Mercedes-Benz CLS450 Car Insurance Costs: 2025 Comprehensive Guide

How much does car insurance for a Mercedes CLS450 cost? We compared rates for the CLS450 coupe with and without the 4Matic option to see how insurance prices compare to the rest of the midsize luxury car market.

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  • 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.

Average 2023 Mercedes-Benz CLS450 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2023 Mercedes-Benz CLS450 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2023 model year Mercedes-Benz CLS450. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2023 Mercedes-Benz CLS450 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,008$417
$500$6,014$501
$250$7,084$590
30-Year-Old$1,000$2,622$219
$500$3,176$265
$250$3,754$313
40-Year-Old$1,000$2,458$205
$500$2,968$247
$250$3,500$292
50-Year-Old$1,000$2,172$181
$500$2,612$218
$250$3,070$256
60-Year-Old$1,000$2,038$170
$500$2,448$204
$250$2,878$240

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2023 Mercedes-Benz CLS450. Updated June 26, 2025

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 Insurance Rates by 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

Insurance cost by trim level for a 2023 Mercedes-Benz CLS450 ranging from the 4Matic Coupe model at $2,946 per year to the 4Matic Premium model at $2,990
Insurance cost by trim level for a 2023 Mercedes-Benz CLS450 ranging from the 4Matic Coupe model at $2,946 per year to the 4Matic Premium model at $2,990

The following table shows average CLS450 full coverage insurance policy costs for the 2019 to 2023 model years.

Mercedes-Benz CLS450 Insurance Cost for 2019-2023 Models
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

Average annual premium and cost per month to insure 2019 to 2024 Mercedes-Benz CLS450 models
Average annual premium and cost per month to insure 2019 to 2024 Mercedes-Benz CLS450 models

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.

Average 2023 Mercedes-Benz CLS450 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2023 Mercedes-Benz CLS450 car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2023 model year Mercedes-Benz CLS450. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Mercedes-Benz CLS450 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

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