2019 Mercedes-Benz S450 Car Insurance Calculator

See in real-time how different risk factors impact the cost of insurance for a 2019 Mercedes-Benz S450. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2019 Mercedes-Benz S450 is $2,854 per year, or about $238 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,854

Cost Per Month

$238

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Mercedes-Benz S450 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2019 Mercedes-Benz S450.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,854
Average Rate
Your Rate
$2,854

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2019 Mercedes-Benz S450 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 Mercedes-Benz S450 is $2,854.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 Mercedes-Benz S450 Segment Comparison

The table below compares insurance rates for the 2019 Mercedes-Benz S450 against all other models in the large luxury car segment. The Mercedes-Benz S450 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Mercedes-Benz S450, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz S450.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 Mercedes-Benz S450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124-$730
2Lincoln Continental$2,156-$698
3Audi A5$2,166-$688
4Cadillac CT6$2,220-$634
5Cadillac XTS$2,258-$596
6Volvo S90$2,358-$496
7Infiniti Q70$2,436-$418
8Acura RLX$2,512-$342
9Infiniti Q60$2,614-$240
10Lexus LS 500$2,644-$210
11Lexus LS 500H$2,654-$200
12Mercedes-Benz AMG E53$2,664-$190
13Genesis G90$2,744-$110
14Kia K900$2,784-$70
15Mercedes-Benz AMG CLS53$2,796-$58
16Cadillac CTS-V$2,810-$44
17Mercedes-Benz S450$2,854--
18Jaguar XJ$2,870$16
19BMW 740e$2,956$102
20BMW 740i$2,976$122
2019 Large Luxury Car Average$2,981$127
21BMW 650i$3,002$148
22BMW M850i$3,010$156
23Mercedes-Benz E63 AMG$3,210$356
24Audi A8$3,218$364
25Mercedes-Benz S560$3,228$374
26BMW 750i$3,234$380
27Porsche Panamera$3,394$540
28BMW M760i$3,870$1,016
29Mercedes-Benz AMG S63$3,958$1,104
30Mercedes-Benz S65 AMG$4,972$2,118
31Bentley Mulsanne$5,734$2,880

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 S450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Mercedes-Benz S450.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 Mercedes-Benz S450 Insurance Rates by Trim Level
2019 Mercedes-Benz S450 Trim Level Annual Premium Cost Per Month
4Matic Sedan$2,854$238
Sedan$2,854$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 Mercedes-Benz S450 for different driver ages.

2019 Mercedes-Benz S450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,009$834
17$9,788$816
18$8,945$745
19$8,068$672
20$6,218$518
21$5,932$494
22$5,336$445
23$4,308$359
24$4,099$342
25$3,324$277
30$3,060$255
35$2,924$244
40$2,854$238
45$2,654$221
50$2,504$209
55$2,342$195
60$2,350$196
65$2,514$210
70$2,682$224
75$3,118$260
80$3,844$320

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Mercedes-Benz S450 trim levels.