Mercedes-Benz S450 Insurance Rates: 2025 Cost and Comparisons

• Mercedes S450 insurance rates average $3,404 per year or $1,702 for a semi-annual policy, but can vary based on the age of the rated driver.
• The S450 Sedan trim level costs an average of $3,370 per year to insure, while the 4Matic Sedan trim costs $3,436 for an annual policy.
• Out of 21 models in the 2021 large luxury car segment, the S450 ranks 11^th for car insurance cost.

How much does Mercedes S450 insurance cost?

Mercedes-Benz S450 car insurance costs an average of $3,404 per year, which is equal to $284 a month. Liability and medical payments insurance will cost about $726 a year, collision insurance is about $1,824, and the remaining comprehensive coverage will cost about $854.

The following chart shows how Mercedes S450 insurance costs vary based on a variety of driver ages and comprehensive and collision deductibles. The annual policy cost values shown range from $2,312 per year for a driver age 60 with deductibles of $1,000 to a high policy cost of $8,182 each year for a driver age 20 with low physical damage deductibles.

The following table shows average insurance rates for a Mercedes S450 for the 2018 to 2021 model years.

The table below displays the average policy cost for the different trim levels available on the 2021 S450.

How does Mercedes S450 insurance cost rank?

The Mercedes-Benz S450 ranks 11^th out of 21 total vehicles in the 2021 full-size luxury sedan segment for most affordable insurance cost. The S450 costs an average of $3,404 per year for a full coverage policy and the class median price is $3,400 per year, a difference of just $4 per year.

When compared to other popular luxury sedans, car insurance rates for a Mercedes-Benz S450 cost $990 more per year than the Audi A5, $136 less than the BMW 740i, and $330 less than the Porsche Panamera.

The table below shows how car insurance rates for a S450 compare to the all other large luxury cars like the Infiniti Q60, Audi A8, and the Genesis G90.