Mercedes-Benz E450 Car Insurance Costs: 2025 Rates Edition

How much does Mercedes-Benz E450 car insurance cost? We analyze rates from the E450 4Matic sedan to the coupe and convertible models to find out how insurance costs compare to the rest of the midsize luxury car class.

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  • Car insurance rates for a Mercedes-Benz E450 average $2,886 per year or around $241 per month, but vary considerably based on driver age and policy deductibles.
  • The E450 4Matic Sedan trim level is the cheapest to insure at $2,736 per year. The most expensive trim is the 4Matic Convertible at an average of $2,984 per year.
  • The Mercedes-Benz E450 is one of the cheaper midsize luxury cars to insure, costing $13 less per year on average as compared to the rest of the vehicles in the segment.

How much does Mercedes-Benz E450 insurance cost?

Drivers should budget around about $2,886 a year to insure a Mercedes-Benz E450, which is about $241 each month. When a policy is broken down into individual coverages, comprehensive (or other-than-collision) coverage will cost approximately $754 a year, liability and medical (or PIP) coverage is about $678, and the remaining collision coverage costs approximately $1,454.

The chart below illustrates how Mercedes E450 car insurance rates change based on the age of the driver and the amount of physical damage deductibles.

Average 2023 Mercedes-Benz E450 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2023 Mercedes-Benz E450 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 E450. 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 E450 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,826$402
$500$5,808$484
$250$6,848$571
30-Year-Old$1,000$2,546$212
$500$3,090$258
$250$3,658$305
40-Year-Old$1,000$2,386$199
$500$2,886$241
$250$3,408$284
50-Year-Old$1,000$2,112$176
$500$2,542$212
$250$2,994$250
60-Year-Old$1,000$1,978$165
$500$2,384$199
$250$2,806$234

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 E450. Updated June 26, 2025

The next table details the estimated yearly and 6-month policy costs, including a monthly insurance rate, for each Mercedes-Benz E450 package and trim.

2023 Mercedes-Benz E450 Insurance Rates by Trim Level
2023 Mercedes-Benz E450 Trim Level Annual Premium Cost Per Month
4Matic Sedan$2,736$228
Coupe$2,814$235
4Matic Coupe$2,934$245
Convertible$2,972$248
4Matic Convertible$2,984$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 27, 2025

Insurance cost by trim level for a 2023 Mercedes-Benz E450 ranging from the 4Matic Sedan model at $2,736 per year to the 4Matic Convertible model at $2,984
Insurance cost by trim level for a 2023 Mercedes-Benz E450 ranging from the 4Matic Sedan model at $2,736 per year to the 4Matic Convertible model at $2,984

The table below illustrates average full coverage insurance rates for a Mercedes-Benz E450 for the 2019 to 2023 model years.

Mercedes-Benz E450 Insurance Cost for 2019-2023 Models
Model Year and Vehicle Annual Premium Cost Per Month
2023 Mercedes-Benz E450$2,886$241
2022 Mercedes-Benz E450$2,732$228
2021 Mercedes-Benz E450$2,732$228
2020 Mercedes-Benz E450$2,644$220
2019 Mercedes-Benz E450$2,474$206

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 E450 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2019 to 2024 Mercedes-Benz E450 models
Average annual premium and cost per month to insure 2019 to 2024 Mercedes-Benz E450 models

How do E450 car insurance rates rank?

The Mercedes E450 ranks 21st out of 38 total vehicles in the midsize luxury car category for most affordable insurance cost. The E450 costs an average of $2,886 per year to insure and the segment average car insurance cost is $2,899 annually, a difference of $13 per year.

When rates are compared to other vehicles in the midsize luxury car class, insurance rates for a Mercedes-Benz E450 cost $426 more per year than the Lexus ES 350, $144 more than the BMW 530i, and $294 less than the Infiniti Q50.

The table below shows how well E450 insurance rates compare to all other midsize luxury cars in the U.S. like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.

Insurance Cost Comparison: Mercedes-Benz E450 vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$436
2Lexus ES 350$2,460-$426
3Lexus ES 250$2,472-$414
4Lexus RC 300$2,482-$404
5Mercedes-Benz AMG CLA35$2,488-$398
6Audi A3$2,492-$394
7Mercedes-Benz AMG CLA45$2,546-$340
8Mercedes-Benz CLA250$2,554-$332
9Lexus IS 300$2,568-$318
10Jaguar XF$2,578-$308
11Audi S4$2,628-$258
12BMW i4$2,636-$250
13Mercedes-Benz E350$2,654-$232
14Lexus ES 300h$2,690-$196
15BMW 530i$2,742-$144
16Audi A6$2,798-$88
17Audi S5$2,802-$84
18BMW 540i$2,808-$78
19BMW 430i$2,856-$30
20Lexus IS 500$2,858-$28
21Mercedes-Benz E450$2,886--
22Genesis G80$2,892$6
23Mercedes-Benz CLS450$2,968$82
24Mercedes-Benz EQE 350$2,988$102
25Audi RS 5$2,996$110
26BMW 530e$3,014$128
27Audi S6$3,044$158
28Mercedes-Benz AMG C43$3,048$162
29BMW M440i$3,052$166
30Mercedes-Benz EQE 500$3,056$170
31Audi A7$3,176$290
32Infiniti Q50$3,180$294
33Lexus LC 500h$3,414$528
34BMW M550i$3,420$534
35Tesla Model S$3,498$612
36Audi S7$3,520$634
37BMW M5$3,624$738
38BMW M8$3,824$938

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 27, 2025

At $2,886 per year, insurance cost for a 2023 Mercedes-Benz E450 ranks 21st out of 38 models in the midsize luxury car segment
At $2,886 per year, insurance cost for a 2023 Mercedes-Benz E450 ranks 21st out of 38 models in the midsize luxury car segment

Supplementary E450 insurance rates and insights

Some additional relevant data observations about E450 insurance rates include:

  • Qualify for policy discounts to save money. Discounts may be available if the insureds are homeowners, choose electronic billing, insure their home and car with the same company, insure multiple vehicles on the same policy, or many other policy discounts which could save the average driver as much as $488 per year on the cost of insuring a Mercedes-Benz E450.
  • No accidents means better rates. Too many at-fault accidents can cost more, potentially up to $1,378 per year for a 30-year-old driver and as much as $666 per year for a 60-year-old driver.
  • Bring up your credit score to save money. Maintaining a high credit score could save $453 per year when compared to a slightly lower credit score between 670-739. Conversely, a credit score below 579 could cost around $525 more per year.
  • Young male drivers pay the highest rates. For a 2023 Mercedes E450, a 20-year-old male pays an estimated $5,808 per year, while a 20-year-old woman pays $4,154, a difference of $1,654 per year. The females get much better rates. But by age 50, male driver rates are $2,542 and the cost for female drivers is $2,484, a difference of only $58.
  • Get a discount from your profession. Many car insurance providers offer policy discounts for working in professions like high school and elementary teachers, engineers, police officers and law enforcement, scientists, nurses, college professors, and others. By qualifying for this profession discount, you could potentially save between $87 and $233 on your yearly E450 insurance premium, depending on the level of coverage purchased.
  • Make your policy cheaper by raising deductibles. Raising deductibles from $500 to $1,000 could save around $500 per year for a 40-year-old driver and $982 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Lowering your policy deductibles from $500 to $250 could cost an additional $522 per year for a 40-year-old driver and $1,040 per year for a 20-year-old driver.
  • Driving violations increase insurance rates. To pay the cheapest possible E450 insurance rates, it pays to be a good, safe driver. A couple of minor incidents on your driving report have the ramification of raising the cost of a policy by as much as $760 per year. Serious violations such as DUI and hit-and-run could raise rates by an additional $2,662 or more.