Mercedes-Benz S450 Insurance Rates: 2025 Cost and Comparisons

How much does Mercedes-Benz S450 insurance cost? We compared average car insurance rates for the two-wheel drive and 4Matic S450 models to see how prices ranked against other luxury models.

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  • Mercedes S450 insurance rates average $3,324 per year or $1,662 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 $3,292 per year to insure, while the 4Matic Sedan trim costs $3,354 for an annual policy.
  • Out of 21 models in the 2021 large luxury car segment, the S450 ranks 11th for car insurance cost.

How much does Mercedes S450 insurance cost?

Mercedes-Benz S450 car insurance costs an average of $3,324 per year, which is equal to $277 a month. Liability and medical payments insurance will cost about $710 a year, collision insurance is about $1,780, and the remaining comprehensive coverage will cost about $834.

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 $2,258 per year for a driver age 60 with deductibles of $1,000 to a high policy cost of $7,988 each year for a driver age 20 with low physical damage deductibles.

Average 2021 Mercedes-Benz S450 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Mercedes-Benz S450 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 2021 model year Mercedes-Benz S450. 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.

2021 Mercedes-Benz S450 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,566$464
$500$6,740$562
$250$7,988$666
30-Year-Old$1,000$2,918$243
$500$3,562$297
$250$4,234$353
40-Year-Old$1,000$2,732$228
$500$3,324$277
$250$3,940$328
50-Year-Old$1,000$2,406$201
$500$2,916$243
$250$3,452$288
60-Year-Old$1,000$2,258$188
$500$2,736$228
$250$3,238$270

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 2021 Mercedes-Benz S450. Updated June 26, 2025

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

Mercedes-Benz S450 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Mercedes-Benz S450$6,740$3,324$2,736
2020 Mercedes-Benz S450$6,514$3,214$2,646
2019 Mercedes-Benz S450$5,786$2,854$2,350
2018 Mercedes-Benz S450$5,420$2,680$2,210

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 S450 trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2018 to 2021 Mercedes-Benz S450 models for drivers age 20, 40 and 60
Average insurance rates for 2018 to 2021 Mercedes-Benz S450 models for drivers age 20, 40 and 60

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

2021 Mercedes-Benz S450 Insurance Rates by Trim Level
2021 Mercedes-Benz S450 Trim Level Annual Premium Cost Per Month
Sedan$3,292$274
4Matic Sedan$3,354$280

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 2021 Mercedes-Benz S450 ranging from the Sedan model at $3,292 per year to the 4Matic Sedan model at $3,354
Insurance cost by trim level for a 2021 Mercedes-Benz S450 ranging from the Sedan model at $3,292 per year to the 4Matic Sedan model at $3,354

How does Mercedes S450 insurance cost rank?

The Mercedes-Benz S450 ranks 11th out of 21 total vehicles in the 2021 full-size luxury sedan segment for most affordable insurance cost. The S450 costs an average of $3,324 per year for a full coverage policy and the class median price is $3,320 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 $966 more per year than the Audi A5, $132 less than the BMW 740i, and $322 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.

Mercedes-Benz S450 Insurance vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$966
2Volvo S90$2,520-$804
3Lexus LS 500H$2,834-$490
4Kia K900$2,888-$436
5Lexus LS 500$2,980-$344
6Mercedes-Benz AMG E53$3,026-$298
7Infiniti Q60$3,038-$286
8Genesis G90$3,046-$278
9Mercedes-Benz AMG CLS53$3,118-$206
10BMW 840i$3,184-$140
11Mercedes-Benz S450$3,324--
12BMW M850i$3,342$18
13BMW 740i$3,456$132
14BMW 850i$3,484$160
15Mercedes-Benz E63 AMG$3,500$176
16Porsche Panamera$3,646$322
17Audi A8$3,704$380
18Mercedes-Benz S560$3,738$414
19BMW 750i$3,754$430
20BMW M760i$4,238$914
21Mercedes-Benz AMG S63$4,532$1,208

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 2021 model year. Updated June 26, 2025

At $3,324 per year, insurance cost for a 2021 Mercedes-Benz S450 ranks 11th out of 21 models in the large luxury car segment
At $3,324 per year, insurance cost for a 2021 Mercedes-Benz S450 ranks 11th out of 21 models in the large luxury car segment