- Mercedes-Benz AMG CLA45 insurance cost averages $2,174 per year or around $181 per month, depending on the trim level.
- The AMG CLA45 is one of the cheaper midsize luxury cars to insure for 2024, costing $154 less per year on average when compared to other midsize luxury cars.
- Insurance for an AMG CLA45 costs 6.8% 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 $2,174 yearly, or $181 on a monthly basis.
With the average midsize luxury car costing $2,328 a year to insure, the AMG CLA45 could save around $154 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.
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.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Mercedes-Benz AMG CLA45 | $4,332 | $2,174 | $1,794 |
| 2023 Mercedes-Benz AMG CLA45 | $4,132 | $2,060 | $1,704 |
| 2022 Mercedes-Benz AMG CLA45 | $4,038 | $2,010 | $1,662 |
| 2021 Mercedes-Benz AMG CLA45 | $3,782 | $1,882 | $1,556 |
| 2020 Mercedes-Benz AMG CLA45 | $3,696 | $1,836 | $1,520 |
| 2019 Mercedes-Benz AMG CLA45 | $3,590 | $1,780 | $1,474 |
| 2018 Mercedes-Benz AMG CLA45 | $3,378 | $1,682 | $1,394 |
| 2017 Mercedes-Benz AMG CLA45 | $3,156 | $1,572 | $1,306 |
| 2016 Mercedes-Benz AMG CLA45 | $3,112 | $1,548 | $1,288 |
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 February 23, 2024
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 $341 per year compared to a credit rating of 670-739. Conversely, a poor credit rating could cost up to $396 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 ($1,916 per year) and a 30-year-old driver ($2,328 per year) is $412, or a savings of 19.4%.
- 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 $366 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 $560 per year.
- Raising deductibles results in a cheaper policy. Boosting your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $736 per year for a 20-year-old driver.
- Low deductibles makes insurance more expensive. Lowering deductibles from $500 to $250 could cost an additional $394 per year for a 40-year-old driver and $778 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 $194 more per year than the Lexus ES 350, $132 less than the BMW 530i, and $26 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 $2,174 per year for an auto insurance policy with full coverage, while the class median price is $2,328 annually, a difference of $154 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $1,954 | -$220 |
| 2 | Lexus IS 300 | $1,956 | -$218 |
| 3 | Lexus ES 350 | $1,980 | -$194 |
| 4 | Mercedes-Benz AMG CLA35 | $1,988 | -$186 |
| 5 | Lexus RC 300 | $1,994 | -$180 |
| 6 | Jaguar XF | $2,008 | -$166 |
| 7 | Cadillac CT5 | $2,044 | -$130 |
| 8 | Lexus ES 250 | $2,054 | -$120 |
| 9 | Lexus ES 300h | $2,082 | -$92 |
| 10 | Audi A3 | $2,132 | -$42 |
| 11 | Infiniti Q50 | $2,148 | -$26 |
| 12 | Mercedes-Benz AMG CLA45 | $2,174 | -- |
| 13 | Audi S4 | $2,184 | $10 |
| 14 | Mercedes-Benz EQE 350 | $2,206 | $32 |
| 15 | BMW i4 | $2,214 | $40 |
| 16 | Lexus IS 500 | $2,242 | $68 |
| 17 | BMW 530i | $2,306 | $132 |
| 18 | Audi S5 | $2,330 | $156 |
| 19 | BMW 540i | $2,336 | $162 |
| 20 | BMW 430i | $2,386 | $212 |
| 21 | BMW i5 | $2,396 | $222 |
| 22 | Genesis G80 | $2,408 | $234 |
| 23 | Mercedes-Benz EQE 500 | $2,436 | $262 |
| 24 | Mercedes-Benz AMG C43 | $2,452 | $278 |
| 25 | Audi A6 | $2,458 | $284 |
| 26 | Tesla Model S | $2,488 | $314 |
| 27 | BMW 530e | $2,510 | $336 |
| 28 | Audi RS 5 | $2,516 | $342 |
| 29 | Audi S6 | $2,534 | $360 |
| 30 | BMW M440i | $2,600 | $426 |
| 31 | Audi A7 | $2,646 | $472 |
| 32 | Lexus LC 500h | $2,842 | $668 |
| 33 | Audi S7 | $2,934 | $760 |
| 34 | BMW M8 | $3,198 | $1,024 |
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 February 23, 2024
