Insuring a Mercedes-Benz AMG CLA45: What to Know in 2025

How much does Mercedes AMG CLA45 insurance cost? We compare average rates for the 4Matic coupe model to see how prices compare to other midsize luxury cars.

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  • Mercedes-Benz AMG CLA45 insurance cost averages $2,682 per year or around $224 per month, depending on the trim level.
  • The AMG CLA45 is one of the cheaper midsize luxury cars to insure for 2024, costing $192 less per year on average when compared to other midsize luxury cars.
  • Insurance for an AMG CLA45 costs 6.9% less than the average rate for similar luxury car models.

How much does AMG CLA45 insurance cost?

Ranked 12th out of 34 vehicles in the 2024 midsize luxury car class, Mercedes AMG CLA45 insurance rates average $2,682 yearly, or $224 on a monthly basis.

With the average midsize luxury car costing $2,874 a year to insure, the AMG CLA45 could save around $192 or more every 12 months when compared to the competition.

The rate chart below shows average yearly insurance rates for an AMG CLA45 using a range of driver ages and risk profiles.

Average 2024 Mercedes-Benz AMG CLA45 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Mercedes-Benz AMG CLA45 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Mercedes-Benz AMG CLA45 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Mercedes-Benz AMG CLA45 trim levels.

2024 Mercedes-Benz AMG CLA45 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,100$508
Safe Driver Age 20$5,346$446
At-fault Accidents Age 40$3,752$313
Low Deductibles Age 40$3,588$299
Safe Driver Age 30$2,874$240
Safe Driver Age 40$2,682$224
Safe Driver Age 50$2,364$197
Discount Rate Age 40$2,230$186
Safe Driver Age 60$2,214$185
High Deductibles Age 40$2,214$185

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Mercedes-Benz AMG CLA45 trim levels. Updated June 27, 2025

The next table shows average Mercedes-Benz AMG CLA45 car insurance rates from the 2016 model to the 2024 model and for drivers aged 20 through 60.

Mercedes-Benz AMG CLA45 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Mercedes-Benz AMG CLA45$5,346$2,682$2,214
2023 Mercedes-Benz AMG CLA45$5,098$2,546$2,102
2022 Mercedes-Benz AMG CLA45$4,982$2,482$2,050
2021 Mercedes-Benz AMG CLA45$4,668$2,322$1,922
2020 Mercedes-Benz AMG CLA45$4,562$2,268$1,876
2019 Mercedes-Benz AMG CLA45$4,432$2,198$1,820
2018 Mercedes-Benz AMG CLA45$4,166$2,076$1,720
2017 Mercedes-Benz AMG CLA45$3,892$1,940$1,610
2016 Mercedes-Benz AMG CLA45$3,840$1,910$1,588

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 AMG CLA45 trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2016 to 2024 Mercedes-Benz AMG CLA45 models for drivers age 20, 40 and 60
Average insurance rates for 2016 to 2024 Mercedes-Benz AMG CLA45 models for drivers age 20, 40 and 60

Other important insights regarding the cost to insure a Mercedes AMG CLA45 include:

  • Improve your credit for cheaper auto insurance rates. Having a high credit rating of over 800 may save $421 per year compared to a credit rating of 670-739. Conversely, a poor credit rating could cost up to $488 more per year.
  • Getting older pays dividends in cheaper insurance. The difference in insurance rates for an AMG CLA45 between a 50-year-old driver ($2,364 per year) and a 30-year-old driver ($2,874 per year) is $510, or a savings of 19.5%.
  • Qualify for policy discounts to lower insurance cost. Discounts may be available if the insured drivers drive a vehicle with safety or anti-theft features, are homeowners, take a defensive driving course, sign their policy early, choose electronic billing, or many other policy discounts which could save the average driver as much as $452 per year on the cost of insuring a Mercedes-Benz AMG CLA45.
  • Fewer violations means cheaper insurance rates. In order to get the most affordable price on AMG CLA45 insurance rates, it makes good sense to be a safe driver. Just a few minor blemishes on your driving record could result in spiking the cost of a policy by as much as $694 per year.
  • Raising deductibles results in a cheaper policy. Boosting your deductibles from $500 to $1,000 could save around $468 per year for a 40-year-old driver and $910 per year for a 20-year-old driver.
  • Low deductibles makes insurance more expensive. Lowering deductibles from $500 to $250 could cost an additional $488 per year for a 40-year-old driver and $960 per year for a 20-year-old driver.

Is AMG CLA45 insurance expensive?

When compared to the best-selling models in the 2024 midsize luxury car category, insurance rates for a Mercedes-Benz AMG CLA45 cost $236 more per year than the Lexus ES 350, $166 less than the BMW 530i, and $32 more than the Infiniti Q50.

The Mercedes-Benz AMG CLA45 ranks 12th out of 34 total comparison vehicles in the midsize luxury car segment for most affordable car insurance prices. The AMG CLA45 costs an estimated $2,682 per year for an auto insurance policy with full coverage, while the class median price is $2,874 annually, a difference of $192 per year.

The next table shows how car insurance rates for an AMG CLA45 compare to the most popular midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.

Mercedes-Benz AMG CLA45 Insurance vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$272
2Lexus IS 300$2,414-$268
3Lexus ES 350$2,446-$236
4Mercedes-Benz AMG CLA35$2,456-$226
5Lexus RC 300$2,462-$220
6Jaguar XF$2,476-$206
7Cadillac CT5$2,526-$156
8Lexus ES 250$2,534-$148
9Lexus ES 300h$2,572-$110
10Audi A3$2,634-$48
11Infiniti Q50$2,650-$32
12Mercedes-Benz AMG CLA45$2,682--
13Audi S4$2,692$10
14Mercedes-Benz EQE 350$2,724$42
15BMW i4$2,734$52
16Lexus IS 500$2,770$88
17BMW 530i$2,848$166
18Audi S5$2,890$208
19BMW 540i$2,900$218
20BMW 430i$2,940$258
21BMW i5$2,960$278
22Genesis G80$2,976$294
23Mercedes-Benz EQE 500$3,008$326
24Mercedes-Benz AMG C43$3,024$342
25Audi A6$3,036$354
26Tesla Model S$3,070$388
27BMW 530e$3,100$418
28Audi RS 5$3,106$424
29Audi S6$3,128$446
30BMW M440i$3,206$524
31Audi A7$3,268$586
32Lexus LC 500h$3,508$826
33Audi S7$3,624$942
34BMW M8$3,948$1,266

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 vehicle from the 2024 model year. Updated June 26, 2025

At $2,682 per year, insurance cost for a 2024 Mercedes-Benz AMG CLA45 ranks 12th out of 34 models in the midsize luxury car segment
At $2,682 per year, insurance cost for a 2024 Mercedes-Benz AMG CLA45 ranks 12th out of 34 models in the midsize luxury car segment