- Mercedes CLS450 insurance costs an average of $2,968 per year or around $247 per month, but can vary based on the vehicle trim level.
- The cheapest CLS450 to insure is the non-4Matic model at an average of $2,946 per year, while the 4Matic Premium costs $2,990 annually.
- The CLS450 is one of the more expensive midsize luxury cars to insure, costing $69 more per year on average as compared to the rest of the vehicles in the segment.
How much does Mercedes CLS450 insurance cost?
Mercedes-Benz CLS450 insurance costs on average $2,968 annually for full coverage, or $247 on a monthly basis. Plan on paying approximately $69 more annually for Mercedes-Benz CLS450 insurance compared to the midsize luxury cars average rate, and $747 more per year than the all-vehicle national average of $2,221.
The rate summary chart below illustrates how CLS450 insurance rates can vary with changes in driver age and $250, $500, and $1,000 deductibles.
Cost ranges from $2,038 per year for a driver age 60 with a deductible of $1,000 to the highest policy cost of $7,084 each year for a 20-year-old driver with $250 deductibles.
The rate table below displays average annual and 6-month policy costs, plus a monthly budget estimate, for each 2023 Mercedes-Benz CLS450 package and trim level.
2023 Mercedes-Benz CLS450 Trim Level | Annual Premium | Cost Per Month |
---|---|---|
4Matic Coupe | $2,946 | $246 |
4Matic Premium | $2,990 | $249 |
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. Updated June 26, 2025
The following table shows average CLS450 full coverage insurance policy costs for the 2019 to 2023 model years.
Model Year and Vehicle | Annual Premium | Cost Per Month |
---|---|---|
2023 Mercedes-Benz CLS450 | $2,968 | $247 |
2022 Mercedes-Benz CLS450 | $2,896 | $241 |
2021 Mercedes-Benz CLS450 | $2,790 | $233 |
2020 Mercedes-Benz CLS450 | $2,700 | $225 |
2019 Mercedes-Benz CLS450 | $2,410 | $201 |
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 CLS450 trim levels for each model year. Updated June 27, 2025
How do Mercedes CLS450 car insurance prices compare?
When compared directly to other popular midsize luxury cars, insurance rates for a Mercedes-Benz CLS450 cost $508 more per year than the Lexus ES 350, $226 more than the BMW 530i, and $212 less than the Infiniti Q50.
The Mercedes CLS450 ranks 23rd out of 38 total vehicles in the 2023 midsize luxury car segment for auto insurance affordability. The CLS450 costs an average of $2,968 per year to insure while the category median price is $2,899 annually, a difference of $69 per year.
The following chart shows how insurance cost for a Mercedes-Benz CLS450 compares to the most popular midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. A comprehensive table is included after the chart displaying car insurance rates for the entire 2023 model year midsize luxury car class.

Rank | Make and Model | Annual Premium | Difference |
---|---|---|---|
1 | Cadillac CT5 | $2,450 | -$518 |
2 | Lexus ES 350 | $2,460 | -$508 |
3 | Lexus ES 250 | $2,472 | -$496 |
4 | Lexus RC 300 | $2,482 | -$486 |
5 | Mercedes-Benz AMG CLA35 | $2,488 | -$480 |
6 | Audi A3 | $2,492 | -$476 |
7 | Mercedes-Benz AMG CLA45 | $2,546 | -$422 |
8 | Mercedes-Benz CLA250 | $2,554 | -$414 |
9 | Lexus IS 300 | $2,568 | -$400 |
10 | Jaguar XF | $2,578 | -$390 |
11 | Audi S4 | $2,628 | -$340 |
12 | BMW i4 | $2,636 | -$332 |
13 | Mercedes-Benz E350 | $2,654 | -$314 |
14 | Lexus ES 300h | $2,690 | -$278 |
15 | BMW 530i | $2,742 | -$226 |
16 | Audi A6 | $2,798 | -$170 |
17 | Audi S5 | $2,802 | -$166 |
18 | BMW 540i | $2,808 | -$160 |
19 | BMW 430i | $2,856 | -$112 |
20 | Lexus IS 500 | $2,858 | -$110 |
21 | Mercedes-Benz E450 | $2,886 | -$82 |
22 | Genesis G80 | $2,892 | -$76 |
23 | Mercedes-Benz CLS450 | $2,968 | -- |
24 | Mercedes-Benz EQE 350 | $2,988 | $20 |
25 | Audi RS 5 | $2,996 | $28 |
26 | BMW 530e | $3,014 | $46 |
27 | Audi S6 | $3,044 | $76 |
28 | Mercedes-Benz AMG C43 | $3,048 | $80 |
29 | BMW M440i | $3,052 | $84 |
30 | Mercedes-Benz EQE 500 | $3,056 | $88 |
31 | Audi A7 | $3,176 | $208 |
32 | Infiniti Q50 | $3,180 | $212 |
33 | Lexus LC 500h | $3,414 | $446 |
34 | BMW M550i | $3,420 | $452 |
35 | Tesla Model S | $3,498 | $530 |
36 | Audi S7 | $3,520 | $552 |
37 | BMW M5 | $3,624 | $656 |
38 | BMW M8 | $3,824 | $856 |
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 2023 model year. Updated June 26, 2025