Mercedes-Benz S500 Car Insurance Calculator

Get real-time feedback how different driver and vehicle factors impact the insurance cost for a Mercedes-Benz S500. Play around with factors like vehicle usage, driver gender, marital status, and the state you live in. Know immediately why rates increase or decrease and by how much.

The average estimated car insurance premium for a 2024 Mercedes-Benz S500 is $3,972 per year, or about $331 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

$3,972

Cost Per Month

$331

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 S500 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 Mercedes-Benz S500.

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.

$3,972
Average Rate
Your Rate
$3,972

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Mercedes-Benz S500.

The 'Average Rate' is a combined value for all Mercedes-Benz S500 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 2024 Mercedes-Benz S500 is $3,972.

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.

2024 Mercedes-Benz S500 Segment Comparison

The table below compares insurance rates for the 2024 Mercedes-Benz S500 against all other models in the large luxury car segment. The Mercedes-Benz S500 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 S500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz S500.

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

2024 Mercedes-Benz S500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$1,190
2Volvo S90$2,870-$1,102
3Genesis G90$3,076-$896
4Mercedes-Benz AMG E53$3,088-$884
5Mercedes-Benz EQS 450$3,122-$850
6Lexus LS 500$3,220-$752
7Lexus LS 500h$3,262-$710
8BMW 840i$3,354-$618
9BMW i7$3,402-$570
10Audi RS 7$3,524-$448
2024 Large Luxury Car Average$3,748-$224
11BMW M850i$3,780-$192
12BMW 740i$3,794-$178
13BMW 750e$3,806-$166
14Mercedes-Benz AMG GT43$3,832-$140
15Audi S8$3,878-$94
16Mercedes-Benz S500$3,972--
17Audi A8$3,982$10
18BMW 760i$4,008$36
19Mercedes-Benz S580$4,162$190
20Mercedes-Benz EQS 580$4,230$258
21Mercedes-Benz Maybach S580$4,598$626
22Mercedes-Benz AMG EQS$4,642$670
23Porsche Panamera$4,666$694
24Mercedes-Benz Maybach S680$4,906$934

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.

2024 S500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Mercedes-Benz S500.

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.

2024 Mercedes-Benz S500 Insurance Rates by Trim Level
2024 Mercedes-Benz S500 Trim Level Annual Premium Cost Per Month
4Matic Luxury Line$3,938$328
4Matic AMG Line$4,010$334

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 2024 Mercedes-Benz S500 for different driver ages.

2024 Mercedes-Benz S500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$13,729$1,144
17$13,499$1,125
18$12,472$1,039
19$11,202$934
20$8,669$722
21$8,271$689
22$7,463$622
23$5,985$499
24$5,712$476
25$4,640$387
30$4,278$357
35$4,068$339
40$3,972$331
45$3,686$307
50$3,472$289
55$3,246$271
60$3,260$272
65$3,486$291
70$3,692$308
75$4,258$355
80$5,242$437

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 S500 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Mercedes-Benz S500.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Mercedes-Benz S500 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Mercedes-Benz S500$3,972$331
2023 Mercedes-Benz S500$3,360$280
2022 Mercedes-Benz S500$3,276$273

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 Mercedes-Benz S500 trim levels for each model year.