Mercedes-Benz SL450 Insurance for 2025: Why Does it Cost so Much?

Costing slightly less than the average midsize luxury sedan, we compare car insurance rates for the Mercedes-Benz SL450 to see how it ranks against the competition.

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How much does Mercedes SL450 insurance cost?

Mercedes-Benz SL450 car insurance costs on average $2,822 annually, or about $235 on a monthly basis. You can expect to pay approximately $118 more per year for Mercedes-Benz SL450 insurance compared to the average rate for midsize luxury cars, and $601 more per year than the all-vehicle national average of $2,221.

The following chart shows how average SL450 car insurance rates fluctuate based on the age of the rated driver and different policy deductibles. Insurance rates range from the lowest price of $1,870 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost estimate of $6,878 annually for a driver age 20 with low deductibles.

Average 2020 Mercedes-Benz SL450 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2020 Mercedes-Benz SL450 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2020 model year Mercedes-Benz SL450. 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.

2020 Mercedes-Benz SL450 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,616$385
$500$5,714$476
$250$6,878$573
30-Year-Old$1,000$2,444$204
$500$3,040$253
$250$3,664$305
40-Year-Old$1,000$2,274$190
$500$2,822$235
$250$3,396$283
50-Year-Old$1,000$1,990$166
$500$2,462$205
$250$2,956$246
60-Year-Old$1,000$1,870$156
$500$2,312$193
$250$2,778$232

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 2020 Mercedes-Benz SL450. Updated June 26, 2025

Where does Mercedes SL450 insurance cost rank?

The Mercedes-Benz SL450 ranks 27th out of 41 total vehicles in the midsize luxury car category. The SL450 costs an estimated $2,822 per year to insure for full coverage, while the class average is $2,704 per year, a difference of $118 per year.

When compared to top-selling vehicles in the midsize luxury car class, insurance for a Mercedes-Benz SL450 costs $584 more per year than the Lexus ES 350, $264 more than the BMW 530i, $104 less than the Infiniti Q50, and $574 more than the Lincoln MKZ.

The chart below shows how average car insurance rates for a Mercedes SL450 fare against the top 10 most popular mid-size luxury cars. Also included is a table after the chart displaying average car insurance rates for the entire midsize luxury car class.

Average 2020 Mercedes-Benz SL450 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2020 Mercedes-Benz SL450 car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Mercedes-Benz SL450. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Mercedes-Benz SL450 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Mercedes-Benz SL450 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$936
2Lexus RC 300$2,168-$654
3Mercedes-Benz SLC300$2,230-$592
4Lexus ES 350$2,238-$584
5Lincoln MKZ$2,248-$574
6Mercedes-Benz AMG CLA45$2,268-$554
7Jaguar XE$2,272-$550
8Lexus IS 300$2,276-$546
9Audi A3$2,316-$506
10Cadillac CT5$2,354-$468
11Audi S5$2,414-$408
12Lexus GS 350$2,478-$344
13Mercedes-Benz E350$2,488-$334
14Lexus ES 300H$2,526-$296
15Audi S4$2,550-$272
16BMW 530i$2,558-$264
17BMW 540i$2,582-$240
18Mercedes-Benz CLA250$2,598-$224
19Genesis G80$2,604-$218
20Audi A6$2,614-$208
21Mercedes-Benz E450$2,644-$178
22BMW 430i$2,666-$156
23Mercedes-Benz CLS450$2,700-$122
24Jaguar XF$2,702-$120
25BMW 440i$2,796-$26
26Mercedes-Benz AMG C43$2,804-$18
27Mercedes-Benz SL450$2,822--
28Audi RS 5$2,838$16
29Audi S6$2,898$76
30Infiniti Q50$2,926$104
31BMW 530e$2,942$120
32Lexus GS F$3,016$194
33Mercedes-Benz AMG C63$3,056$234
34BMW M550i$3,110$288
35Mercedes-Benz SL550$3,136$314
36Tesla Model S$3,192$370
37Audi A7$3,236$414
38Lexus LC 500H$3,320$498
39Audi S7$3,444$622
40BMW M8$3,448$626
41BMW M5$3,494$672

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 2020 model year. Updated June 26, 2025

How can I save money on SL450 insurance?

Insuring an older Mercedes-Benz SL450 could save as much as $510 per year when comparing average car insurance rates for the 2017 model to the 2020 model.

The following table shows average insurance rates for a Mercedes-Benz SL450 for 2017 through 2020 model years. Cost ranges from the cheapest rate of $2,312 for a 2017 Mercedes-Benz SL450 to the most expensive rate of $2,822 for a 2020 SL450.

Mercedes-Benz SL450 Insurance Cost for 2017-2020 Models
Model Year and Vehicle Annual Premium Cost Per Month
2020 Mercedes-Benz SL450$2,822$235
2019 Mercedes-Benz SL450$2,560$213
2018 Mercedes-Benz SL450$2,430$203
2017 Mercedes-Benz SL450$2,312$193

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 SL450 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2017 to 2020 Mercedes-Benz SL450 models
Average annual premium and cost per month to insure 2017 to 2020 Mercedes-Benz SL450 models