Mercedes-Benz E400 Car Insurance Explained: A 2024 Guide

• Mercedes E400 car insurance costs an average of $1,980 per year, or around $165 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 $1,898 per year, or $158 per month.
• The model with the most expensive insurance is the Convertible at $2,082 per year, or around $174 per month.
• Ranked 28^th out of 49 vehicles in the 2018 midsize luxury car segment, average car insurance rates for the Mercedes-Benz E400 cost $13 less per year than the segment average.

How much does Mercedes E400 car insurance cost?

Ranked 28^th out of 49 vehicles in the midsize luxury car class, Mercedes-Benz E400 insurance rates average $1,980 a year, or about $165 if paid each month. With the average midsize luxury car costing $1,993 a year to insure, the Mercedes-Benz E400 would save around $13 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 $1,364 per year for a 60-year-old driver with $1,000 physical damage deductibles to the most expensive rate of $4,742 annually for a driver age 20 with a deductible of $250.

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

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.

How does E400 car insurance cost rank?

The Mercedes-Benz E400 ranks 28^th out of 49 comparison vehicles in the midsize luxury car class for most affordable auto insurance rates. The E400 costs an estimated $1,980 per year to insure for full coverage, while the category average insurance cost is $1,993 per year, a difference of $13 per year.

When compared to the best-selling models in the midsize luxury car category, car insurance prices for a Mercedes-Benz E400 cost $308 more per year than the Lexus ES 350, $134 more than the BMW 530i, and $6 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.

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 $4,030 per year, while a 20-year-old woman pays $2,866, a difference of $1,164 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,746 and the cost for female drivers is $1,706, a difference of only $40.
• 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 $2,340 or more per year.
• Good credit scores mean better rates. Having a high credit rating of over 800 could save $311 per year when compared to a good rating of 670-739. Conversely, a diminished credit rating could cost as much as $360 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 $334 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 $528 per year. Major misdemeanor violations like a DUI could raise rates by an additional $1,862 or more.
• As you age, insurance rates get cheaper. The difference in Mercedes-Benz E400 insurance rates between a 50-year-old driver ($1,746 per year) and a 20-year-old driver ($4,030 per year) is $2,284, or a savings of 79.1%.