Mercedes-Benz E400 Car Insurance Explained: A 2025 Guide

How much does E400 insurance cost? We analyzed rates for the E400 Coupe, Sedan, Convertible, and Station Wagon to find out how insurance prices rank against the rest of the midsize luxury car class.

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  • Mercedes E400 car insurance costs an average of $2,442 per year, or around $204 per month, but can vary based on the age of the rated driver.
  • The cheapest Mercedes-Benz E400 insurance is on the 4Matic Sedan trim level at an average of $2,342 per year, or $195 per month.
  • The model with the most expensive insurance is the Convertible at $2,570 per year, or around $214 per month.
  • Ranked 28th out of 49 vehicles in the 2018 midsize luxury car segment, average car insurance rates for the Mercedes-Benz E400 cost $17 less per year than the segment average.

How much does Mercedes E400 car insurance cost?

Ranked 28th out of 49 vehicles in the midsize luxury car class, Mercedes-Benz E400 insurance rates average $2,442 a year, or about $204 if paid each month. With the average midsize luxury car costing $2,459 a year to insure, the Mercedes-Benz E400 would save around $17 or more on an annual basis.

The chart below shows how average E400 insurance prices can change with a variety of driver ages and physical damage deductibles. The rates shown are per year and vary from $1,684 per year for a 60-year-old driver with $1,000 physical damage deductibles to the most expensive rate of $5,852 annually for a driver age 20 with a deductible of $250.

Average 2018 Mercedes-Benz E400 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2018 Mercedes-Benz E400 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2018 model year Mercedes-Benz E400. 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.

2018 Mercedes-Benz E400 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,144$345
$500$4,970$414
$250$5,852$488
30-Year-Old$1,000$2,162$180
$500$2,614$218
$250$3,086$257
40-Year-Old$1,000$2,026$169
$500$2,442$204
$250$2,876$240
50-Year-Old$1,000$1,792$149
$500$2,152$179
$250$2,526$211
60-Year-Old$1,000$1,684$140
$500$2,020$168
$250$2,372$198

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 2018 Mercedes-Benz E400. Updated June 27, 2025

The following data table breaks down average Mercedes-Benz E400 insurance policy premiums for the 2013-2018 model years.

Mercedes-Benz E400 Insurance Cost for 2013-2018 Models
Model Year and Vehicle Annual Premium Cost Per Month
2018 Mercedes-Benz E400$2,442$204
2017 Mercedes-Benz E400$2,284$190
2016 Mercedes-Benz E400$2,300$192
2015 Mercedes-Benz E400$2,110$176
2014 Mercedes-Benz E400$1,956$163
2013 Mercedes-Benz E400$1,858$155

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 E400 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2018 Mercedes-Benz E400 models
Average annual premium and cost per month to insure 2013 to 2018 Mercedes-Benz E400 models

The rate table below details the average annual and semi-annual policy costs, plus a monthly budget estimate, for each Mercedes-Benz E400 model and trim level.

2018 Mercedes-Benz E400 Insurance Rates by Trim Level
2018 Mercedes-Benz E400 Trim Level Annual Premium Cost Per Month
4Matic Sedan$2,342$195
Coupe$2,360$197
4Matic Station Wagon$2,404$200
4Matic Coupe$2,452$204
4Matic Convertible$2,530$211
Convertible$2,570$214

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 27, 2025

Insurance cost by trim level for a 2018 Mercedes-Benz E400 ranging from the 4Matic Sedan model at $2,342 per year to the Convertible model at $2,570
Insurance cost by trim level for a 2018 Mercedes-Benz E400 ranging from the 4Matic Sedan model at $2,342 per year to the Convertible model at $2,570

How does E400 car insurance cost rank?

The Mercedes-Benz E400 ranks 28th out of 49 comparison vehicles in the midsize luxury car class for most affordable auto insurance rates. The E400 costs an estimated $2,442 per year to insure for full coverage, while the category average insurance cost is $2,459 per year, a difference of $17 per year.

When compared to the best-selling models in the midsize luxury car category, car insurance prices for a Mercedes-Benz E400 cost $380 more per year than the Lexus ES 350, $154 more than the BMW 530i, and $8 less than the Infiniti Q50.

The table below shows how average Mercedes E400 car insurance rates compare to other midsize luxury cars in the United States like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6.

Insurance Cost Comparison: Mercedes-Benz E400 vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$686
2Lexus IS 300$1,908-$534
3Lexus RC 300$1,992-$450
4Mercedes-Benz SLC300$2,058-$384
5Lexus ES 350$2,062-$380
6Mercedes-Benz AMG CLA45$2,076-$366
7Audi S5$2,114-$328
8Audi A3$2,126-$316
9Mercedes-Benz CLA250$2,136-$306
10Mercedes-Benz C350E$2,146-$296
11Lincoln MKZ$2,158-$284
12Mercedes-Benz E300$2,162-$280
13Lexus ES 300H$2,170-$272
14Genesis G80$2,174-$268
15BMW 430i$2,190-$252
16Audi A6$2,212-$230
17Audi S4$2,224-$218
18Lexus GS 300$2,260-$182
19Jaguar XE$2,262-$180
20Lexus GS 350$2,282-$160
21BMW 530i$2,288-$154
22BMW 540xi$2,298-$144
23BMW 540i$2,304-$138
24BMW 440i$2,334-$108
25Jaguar XF$2,354-$88
26Mercedes-Benz AMG C43$2,410-$32
27Mercedes-Benz SL450$2,430-$12
28Mercedes-Benz E400$2,442--
29Infiniti Q50$2,450$8
30BMW 530e$2,460$18
31Audi RS 5$2,490$48
32Mercedes-Benz AMG E43$2,500$58
33BMW 530xi$2,504$62
34BMW M550i$2,582$140
35Mercedes-Benz AMG C63$2,634$192
36BMW 640xi$2,642$200
37Audi S6$2,662$220
38BMW 640i$2,712$270
39Mercedes-Benz SL550$2,762$320
40Lexus GS F$2,772$330
41Tesla Model S$2,810$368
42Lexus LC 500H$2,834$392
43Audi A7$2,844$402
44BMW 650xi$2,848$406
45Audi S7$3,022$580
46BMW M5$3,034$592
47BMW M6$3,228$786
48Mercedes-Benz SL63 AMG$3,280$838
49Mercedes-Benz SL65 AMG$4,084$1,642

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 2018 model year. Updated June 27, 2025

At $2,442 per year, insurance cost for a 2018 Mercedes-Benz E400 ranks 28th out of 49 models in the midsize luxury car segment
At $2,442 per year, insurance cost for a 2018 Mercedes-Benz E400 ranks 28th out of 49 models in the midsize luxury car segment

Additional E400 insurance rates and insights

  • Policyholder gender affects insurance cost. For a 2018 Mercedes-Benz E400, a 20-year-old man pays an estimated $4,970 per year, while a 20-year-old woman pays $3,540, a difference of $1,430 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $2,152 and the cost for female drivers is $2,104, a difference of only $48.
  • High-risk drivers pay a lot more for insurance. For a 50-year-old driver, having a high frequency of accidents or violations increases the cost by $2,890 or more per year.
  • Good credit scores mean better rates. Having a high credit rating of over 800 could save $383 per year when compared to a good rating of 670-739. Conversely, a diminished credit rating could cost as much as $444 more per year.
  • Qualify for policy discounts to lower insurance cost. Discounts may be available if the policyholders insure multiple vehicles on the same policy, are claim-free, are good students, are accident-free, are loyal customers, or many other policy discounts which could save the average driver as much as $414 per year on Mercedes-Benz E400 insurance.
  • Obey the law and pay less. In order to have the cheapest possible E400 insurance rates, it’s necessary to obey traffic laws. A few traffic tickets could result in raising the cost of a policy by up to $652 per year. Major misdemeanor violations like a DUI could raise rates by an additional $2,296 or more.
  • As you age, insurance rates get cheaper. The difference in Mercedes-Benz E400 insurance rates between a 50-year-old driver ($2,152 per year) and a 20-year-old driver ($4,970 per year) is $2,818, or a savings of 79.1%.