Mercedes-Benz Car Insurance Cost for 2023

How much does Mercedes car insurance cost? We break down average cost for all models to find the cheapest rates on Mercedes-Benz insurance.

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As the largest premium automotive manufacturer in the world, the German-based Mercedes-Benz has an extensive history, dating back to 1926.

It was in that year when the Daimler-Motoren-Gesellschaft and Benz Patent-Motorwagen companies teamed up to produce the first Mercedes-Benz brand vehicle, under the Daimler-Benz flag.

After producing primarily military products until well after World War II, Daimler-Benz entered the U.S. automobile market in 1958 with the Studebaker brand. Mercedes-Benz USA was founded in 1965, and the U.S. market was introduced to the iconic 300SL Gullwing model.

Since then, many models have come and gone from showroom floors, but Mercedes quality still reflects their original slogan, “the best or nothing”.

As one of the pinnacle brands of luxury automobiles, how much does it cost to insure a Mercedes? We break down average rates for many models in the last 10 years, plus compare average Mercedes insurance cost to other luxury brands.

How much does Mercedes-Benz insurance cost?

Average Mercedes-Benz car insurance costs $2,480 per year for the 2023 model year. The Mercedes-Benz GLA250 has the cheapest average rates at $1,756 a year, while the Mercedes-Benz Maybach S680 costs as much as $3,764 per year to insure.

Monthly car insurance cost for 2023 Mercedes models ranges from $146 to $314 for full coverage. These values can vary considerably based on the model and trim level that you’re insuring, however.

The table below details the average cost to insure many Mercedes-Benz models, with average annual and monthly auto insurance cost shown for each model. Linked models have extensive cost comparisons including rates by trim level and segment ranking for all brands.

Average Insurance Cost for Mercedes-Benz Vehicles
Model Annual Cost Monthly Cost
Mercedes-Benz A220 2022 and prior model years$1,668$139
Mercedes-Benz AMG 2018 and prior model years$2,766$231
Mercedes-Benz AMG C43$2,420$202
Mercedes-Benz AMG C63 2022 and prior model years$2,502$209
Mercedes-Benz AMG CLA35$1,974$165
Mercedes-Benz AMG CLA45$2,018$168
Mercedes-Benz AMG CLS53 2021 and prior model years$2,462$205
Mercedes-Benz AMG E43 2018 and prior model years$2,062$172
Mercedes-Benz AMG E53$2,378$198
Mercedes-Benz AMG EQS$2,928$244
Mercedes-Benz AMG GLB35$1,988$166
Mercedes-Benz AMG GLC43$2,110$176
Mercedes-Benz AMG GLC63 2021 and prior model years$2,084$174
Mercedes-Benz AMG GLE43 2019 and prior model years$2,218$185
Mercedes-Benz AMG GLE53$2,248$187
Mercedes-Benz AMG GLE63$2,650$221
Mercedes-Benz AMG GLS63 2021 and prior model years$2,694$225
Mercedes-Benz AMG GT 2022 and prior model years$3,484$290
Mercedes-Benz AMG GT43$2,432$203
Mercedes-Benz AMG GT53$2,512$209
Mercedes-Benz AMG GT63 2021 and prior model years$3,108$259
Mercedes-Benz AMG S63 2021 and prior model years$3,562$297
Mercedes-Benz AMG S65 2017 and prior model years$3,584$299
Mercedes-Benz AMG SLC43 2020 and prior model years$1,928$161
Mercedes-Benz B-Electric Cell 2015 and prior model years$1,578$132
Mercedes-Benz B250E 2017 and prior model years$1,706$142
Mercedes-Benz C250 2015 and prior model years$1,664$139
Mercedes-Benz C300$1,998$167
Mercedes-Benz C350 2015 and prior model years$1,668$139
Mercedes-Benz C350E 2018 and prior model years$1,774$148
Mercedes-Benz C400 2015 and prior model years$1,638$137
Mercedes-Benz C450 AMG 2016 and prior model years$1,768$147
Mercedes-Benz C63 AMG 2018 and prior model years$2,124$177
Mercedes-Benz CL550 2014 and prior model years$2,166$181
Mercedes-Benz CL600 2014 and prior model years$2,438$203
Mercedes-Benz CL63 AMG 2014 and prior model years$2,370$198
Mercedes-Benz CL65 AMG 2014 and prior model years$2,810$234
Mercedes-Benz CLA250$2,032$169
Mercedes-Benz CLA45 AMG 2015 and prior model years$1,558$130
Mercedes-Benz CLS400 2016 and prior model years$2,060$172
Mercedes-Benz CLS450$2,358$197
Mercedes-Benz CLS550 2018 and prior model years$2,026$169
Mercedes-Benz CLS63 AMG 2018 and prior model years$2,504$209
Mercedes-Benz E250 2016 and prior model years$1,856$155
Mercedes-Benz E300 2019 and prior model years$1,826$152
Mercedes-Benz E350$2,110$176
Mercedes-Benz E400 2018 and prior model years$2,010$168
Mercedes-Benz E450$2,292$191
Mercedes-Benz E550 2017 and prior model years$1,946$162
Mercedes-Benz E63 AMG 2021 and prior model years$2,760$230
Mercedes-Benz EQB 300$2,008$167
Mercedes-Benz EQB 350$2,052$171
Mercedes-Benz EQE 350$2,374$198
Mercedes-Benz EQE 500$2,428$202
Mercedes-Benz EQS 450$2,640$220
Mercedes-Benz EQS 580$2,736$228
Mercedes-Benz EQS 580 SUV$2,714$226
Mercedes-Benz G550$3,052$254
Mercedes-Benz G63 AMG$3,298$275
Mercedes-Benz G65 AMG 2018 and prior model years$3,328$277
Mercedes-Benz GL350 2016 and prior model years$1,736$145
Mercedes-Benz GL450 2016 and prior model years$1,908$159
Mercedes-Benz GL550 2016 and prior model years$2,180$182
Mercedes-Benz GL63 AMG 2016 and prior model years$2,210$184
Mercedes-Benz GLA250$1,756$146
Mercedes-Benz GLA35 AMG$1,964$164
Mercedes-Benz GLA45 AMG$2,020$168
Mercedes-Benz GLB 250$1,762$147
Mercedes-Benz GLC300$1,844$154
Mercedes-Benz GLC350E 2020 and prior model years$1,870$156
Mercedes-Benz GLE300 2016 and prior model years$1,886$157
Mercedes-Benz GLE350$2,066$172
Mercedes-Benz GLE400 2019 and prior model years$1,882$157
Mercedes-Benz GLE450$2,042$170
Mercedes-Benz GLE550E 2018 and prior model years$1,954$163
Mercedes-Benz GLK250 2015 and prior model years$1,516$126
Mercedes-Benz GLK350 2015 and prior model years$1,374$115
Mercedes-Benz GLS450$2,310$193
Mercedes-Benz GLS550 2019 and prior model years$2,230$186
Mercedes-Benz Maybach 2021 and prior model years$3,344$279
Mercedes-Benz Maybach GLS 600$3,442$287
Mercedes-Benz Maybach S580$3,530$294
Mercedes-Benz Maybach S680$3,764$314
Mercedes-Benz Metris 2021 and prior model years$1,746$146
Mercedes-Benz ML250 2015 and prior model years$1,598$133
Mercedes-Benz ML350 2015 and prior model years$1,734$145
Mercedes-Benz ML400 2015 and prior model years$1,854$155
Mercedes-Benz ML550 2014 and prior model years$1,462$122
Mercedes-Benz ML63 AMG 2015 and prior model years$1,986$166
Mercedes-Benz S350 2013 and prior model years$1,940$162
Mercedes-Benz S400 2013 and prior model years$1,800$150
Mercedes-Benz S450 2021 and prior model years$2,624$219
Mercedes-Benz S500$2,666$222
Mercedes-Benz S550 2017 and prior model years$2,606$217
Mercedes-Benz S550E 2017 and prior model years$2,332$194
Mercedes-Benz S560 2022 and prior model years$3,076$256
Mercedes-Benz S580$3,126$261
Mercedes-Benz S600 2017 and prior model years$2,964$247
Mercedes-Benz S63 AMG 2017 and prior model years$2,952$246
Mercedes-Benz S65 2017 and prior model years$3,514$293
Mercedes-Benz S65 AMG 2019 and prior model years$3,986$332
Mercedes-Benz SL 55$3,474$290
Mercedes-Benz SL 63$3,698$308
Mercedes-Benz SL400 2016 and prior model years$1,874$156
Mercedes-Benz SL450 2020 and prior model years$2,252$188
Mercedes-Benz SL550 2020 and prior model years$2,504$209
Mercedes-Benz SL63 AMG 2018 and prior model years$2,678$223
Mercedes-Benz SL65 AMG 2018 and prior model years$3,338$278
Mercedes-Benz SLC300 2020 and prior model years$1,794$150
Mercedes-Benz SLK 250 2015 and prior model years$1,152$96
Mercedes-Benz SLK 300 2016 and prior model years$1,480$123
Mercedes-Benz SLK 350 2016 and prior model years$1,622$135
Mercedes-Benz SLK250 2014 and prior model years$1,306$109
Mercedes-Benz SLK55 AMG 2016 and prior model years$1,738$145
Mercedes-Benz SLS AMG 2015 and prior model years$2,768$231
Mercedes-Benz Sprinter 2017 and prior model years$1,658$138

Is it expensive to buy insurance for a Mercedes-Benz?

Considering the average cost of car insurance in the U.S. is $1,728 per year, and the average cost to insure a Mercedes is $2,480, drivers can expect to pay around $752 more more per year to insure a Mercedes than the average vehicle.

Mercedes does have some of the more expensive car insurance rates, but does compare fairly well to the other luxury German brands. For example, Mercedes car insurance cost averages 6.1% more per year than Audi, 2% more than BMW, 4.9% less than Porsche, but a whopping 37.9% more than the non-luxury Volkswagen brand.

When compared to non-German luxury brands, Mercedes insurance cost doesn’t compare quite as well. Compared to Lexus, Mercedes insurance rates are 18.2% more per year. When compared to Acura and Infiniti, Mercedes insurance rates are 19.9% more and 12.7% more per year, respectively.

The chart below shows how average auto insurance cost for Mercedes vehicles ranks against other luxury brands. Mercedes is the orange bar on the left at $2,480 per year, while the luxury competitors are shown alphabetically to the right in blue.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average car insurance rates include all Mercedes-Benz, Acura, Audi, BMW, Cadillac, Infiniti, Lexus, and Volvo vehicles for the 2023 model year. Rated driver is a 40-year-old married male with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Mercedes-Benz Car Insurance Cost vs. Top Luxury Competitors

It’s easy to see that Mercedes has some of the higher car insurance rates for luxury brands. It’s similar, yet higher, than the German Audi and BMW brands, but is considerably more than the Japanese Acura and Lexus brands. General Motors’ Cadillac brand and the Swedish Volvo brand are the cheapest of the bunch.

The next table takes the comparison one step further, and compares Mercedes-Benz car insurance cost to a wider variety of brands, not just luxury automakers. Included in the comparison are mainstream brands like Ford, Chevrolet, Honda, Toyota, and Nissan.

The difference column shows how much cheaper (green) or more expensive (red) car insurance costs on average for each brand when compared to Mercedes-Benz.

Mercedes-Benz Car Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Land Rover$2,201-$279

Get Rates in Your AreaWhy is this important?

Table Data Details: Average car insurance cost for each automotive brand assumes a clean driving record and no at-fault accidents for a 40-year-old driver. Rates are averaged for all 2023 models for each manufacturer and for all U.S. states. The difference column indicates the cost difference between each brand and the average cost of Mercedes-Benz insurance. Green indicates the brand is cheaper to insure on average than Mercedes-Benz and red indicates the brand costs more to insure on average than Mercedes-Benz.Data last updated on August 11, 2023
Mercedes-Benz Car Insurance Cost vs. Popular Automotive Brands

Due to the lack of red difference values, it’s pretty safe to say that Mercedes vehicles have some of the more expensive car insurance rates on average.

However, this is not to say that every Mercedes model has expensive insurance. In fact, some models are quite affordable within their luxury segments.

Since we use an average cost across all models, models like the Maybach S580, AMG S63, and AMG GT that cost anywhere from $153,000 to $325,000 definitely have more expensive insurance rates. This skews the average upward since some other luxury brands do not offer models at such high price points.

What is the cheapest Mercedes-Benz insurance?

For the 2023 model year, the cheapest Mercedes-Benz insurance is on the Mercedes-Benz GLA250, which is a small luxury SUV costing $1,756 per year to insure, or $146 per month.

In second place is the Mercedes-Benz GLB 250, which has an average insurance cost of $1,762 per year.

The list below shows the top five cheapest Mercedes models to insure for 2023. Also shown is the vehicle segment each model belongs to as well as annual and monthly average car insurance rates. Visit any model link for detailed rates by trim level, model year, and segment comparisons.

Top five cheapest Mercedes-Benz vehicles to insure for 2023

  1. Mercedes-Benz GLA250 – (small luxury SUV) Annual insurance cost of $1,756 ($146 per month)
  2. Mercedes-Benz GLB 250 – (small luxury SUV) Annual insurance cost of $1,762 ($147 per month)
  3. Mercedes-Benz GLC300 – (small luxury SUV) Annual insurance cost of $1,844 ($154 per month)
  4. Mercedes-Benz GLA35 AMG – (small luxury SUV) Annual insurance cost of $1,964 ($164 per month)
  5. Mercedes-Benz AMG CLA35 – (midsize luxury car) Annual insurance cost of $1,974 ($165 per month)