Buy Cheap Mercedes Auto Insurance in 2023
If you're looking to buy cheap Mercedes-Benz auto insurance, you should know that it's easier to find for the cheaper models of Mercedes. However, comparing rates will help drivers find savings.
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Written by
Rachel Bodine |
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Reviewed by
Cynthia Lanctot
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UPDATED: Feb 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Some models of Mercedes will be cheaper to insure than others, depending on the value of the car
- Mercedes car owners should shop around and compare rates for their model to see which company offers the best deal
- Drivers can reduce their auto insurance rates by keeping a clean driving record and applying for discounts
If you are looking to buy cheap Mercedes auto insurance, it’s important to do your research on cheap auto insurance companies that beat quotes. We go over everything from understanding how insurance companies calculate rates for different models to which companies have the cheapest rates on average.
Read on to see which models of Mercedes are the cheapest to insure, how you can save on Mercedes auto insurance, and more.
How Mercedes Auto Insurance is Calculated
Insurance companies will look at the class of your Mercedes and its price in order to calculate the cost of repairs or replacement. Sports cars will be more expensive to insure than standard sedans, for example. Insurance companies will also consider the following when calculating your Mercedes auto insurance rates:
- Location: Insurance companies will charge higher rates to offset the risk if you live in an area with a high rate of crashes or are prone to bad weather or vandalism.
- Driving record: You will have higher rates if you have traffic tickets, an at-fault accident, or a DUI on your driving record.
- Age: Younger drivers will have higher rates due to their inexperience and higher risk of accidents.
Insurance companies will vary in what they charge, but all insurance companies will look at the same factors when calculating a driver’s risk. If you are deemed a high-risk driver, you may need to buy high-risk auto insurance, which costs more.
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How much is Mercedes-Benz auto insurance?
How much Mercedes-Benz auto insurance costs will depend upon your driving record, car, location, and more. However, because Mercedes-Benz is a more expensive car, you can expect to pay higher insurance rates than you would for a standard car.
Cost at Different Auto Insurance Companies
Which insurance company you choose will significantly impact how much you end up paying for insurance for your Mercedes. Take a look at average auto insurance rates by different companies below to see which companies offer the cheapest rates.
| Companies | Average Monthly Auto Insurance Rates |
|---|---|
| Allstate | $318 |
| American Family | $224 |
| Farmers | $288 |
| Geico | $179 |
| Liberty Mutual | $398 |
| Nationwide | $229 |
| Progressive | $283 |
| State Farm | $235 |
| Travelers | $287 |
| USAA | $161 |
State Farm and GEICO have some of the cheapest rates on the market, so they may offer the best rates for your Mercedes. USAA is also another cheap option, but it is only for military members and veterans.
Mercedes Auto Insurance Cost by Model
Because the model you have will impact how much you pay for Mercedes auto insurance, we want to look over the cost of insurance for different Mercedes models. Bear in mind that newer, expensive cars usually cost more to insure than older models. Below, we go over the rates for a few different models of Mercedes.
Mercedes AMG GT Insurance Rates
The Mercedes AMG GT is a luxury car that comes in a hatchback or coupe build. With the price for a 2023 AMG GT hovering around $100,000 for both hatchbacks and coupes, you can expect much higher auto insurance rates for this Mercedes model.
Mercedes G 63 AMG Insurance Rates
The Mercedes G 63 AMG is another luxury car that is going to be one of the more expensive Mercedes to insure, as its cost to buy new is well over $100,000. Like the Mercedes AMG GT, G 63 AMG insurance cost will be more than the average rates of the Mercedes models we cover due to its higher price tag.
Mercedes CLA 250 Insurance Rates
On average, a Mercedes CLA 250 will cost just under $200 a month to insure for a full coverage insurance policy. Take a look at the table below to see the average auto insurance rates for a Mercedes CLA 250.
Mercedes-Benz CLA 250 Average Auto Insurance Rates
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2018 Mercedes-Benz CLA 250 | $406 | $834 | $398 | $1,796 |
| 2017 Mercedes-Benz CLA 250 | $394 | $814 | $416 | $1,782 |
| 2016 Mercedes-Benz CLA 250 | $380 | $780 | $430 | $1,748 |
| 2015 Mercedes-Benz CLA 250 | $358 | $752 | $442 | $1,710 |
| 2014 Mercedes-Benz CLA 250 | $344 | $698 | $452 | $1,652 |
A Mercedes CLA 250 is one of the cheaper models to insure, as the running purchase cost is usually under $50,000.
Mercedes C300 Insurance Rates
A Mercedes C300 insurance cost is similar in cost to the CLA 250, as shown in the average auto insurance rates below.
| Model year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2020 MERCEDES-BENZ C300 | $404 | $718 | $372 | $1,652 |
| 2019 MERCEDES-BENZ C300 | $384 | $690 | $390 | $1,622 |
| 2018 MERCEDES-BENZ C300 | $370 | $686 | $398 | $1,612 |
| 2017 MERCEDES-BENZ C300 | $356 | $668 | $416 | $1,598 |
| 2016 MERCEDES-BENZ C300 | $344 | $640 | $430 | $1,572 |
It will generally cost under $200 a month for a full coverage policy, but remember that this will change based on your age, driving record, and location.
Mercedes GLA 250 Insurance Rates
The Mercedes GLA 250 is another one of the cheaper Mercedes models to insure, as you can see from the average auto insurance rates below.
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2018 Mercedes-Benz GLA 250 | $370 | $714 | $450 | $1,714 |
| 2017 Mercedes-Benz GLA 250 | $356 | $698 | $470 | $1,704 |
| 2016 Mercedes-Benz GLA 250 | $344 | $668 | $486 | $1,678 |
| 2015 Mercedes-Benz GLA 250 | $326 | $646 | $500 | $1,652 |
Because the Mercedes GLA 250 generally costs less than $50,000 to buy, it will be cheaper to insure than the models that cost $100,000 or more.
Mercedes GLC 300 Insurance Rates
The Mercedes GLC 300 is an SUV that retails for about $50,000. Take a look at the average rates for the Mercedes GLC 300 below.
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2019 Mercedes-Benz GLC 300 | $412 | $810 | $390 | $1,770 |
| 2018 Mercedes-Benz GLC 300 | $394 | $804 | $398 | $1,754 |
| 2017 Mercedes-Benz GLC 300 | $382 | $784 | $416 | $1,740 |
| 2016 Mercedes-Benz GLC 300 | $368 | $752 | $430 | $1,708 |
The Mercedes GLC 300 is similar in cost to the Mercedes GLA 250 and C300. Compare cheap Mercedes-Benz GLC 300 insurance quotes below.
Mercedes GLE 350 Insurance Rates
A Mercedes GLE 350 insurance costs, on average, less than $200 a month, as you can see from the average rates below.
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2020 Mercedes-Benz GLE 350 | $458 | $906 | $372 | $1,894 |
| 2019 Mercedes-Benz GLE 350 | $438 | $870 | $390 | $1,856 |
| 2018 Mercedes-Benz GLE 350 | $420 | $864 | $398 | $1,840 |
| 2017 Mercedes-Benz GLE 350 | $406 | $842 | $416 | $1,822 |
| 2016 Mercedes-Benz GLE 350 | $392 | $808 | $430 | $1,788 |
The Mercedes GLE 350 is one of the more expensive Mercedes models to insure, as it has one of the higher average rates on our list.
How to Save on Mercedes Auto Insurance
Because Mercedes is more expensive to insure, you might be wondering how you can save on your auto insurance costs. Our best tips are as follows:
- Apply for auto insurance discounts.
- Keep a clean driving record.
- Raise your auto insurance deductible if needed.
Shopping around at different auto insurance companies for quotes will also help you find the best rate possible for your Mercedes.
Mercedes Benz Financial Services
Mercedes Benz financial services is an insurance company for Mercedes Benz owners. This insurance is backed by Liberty Mutual and is meant specifically for Mercedes Benz owners. Keep in mind that just because it is intended for Mercedes Benz, it doesn’t necessarily mean it will have the best rates, so make sure you compare quotes with other auto insurance companies.
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The Final Word on Mercedes Insurance Rates
Because Mercedes are expensive cars, auto insurance companies will charge more on average to offset the higher repair or replacement bills if you file a claim. However, some models of Mercedes will be much cheaper to insure than others, and shopping around for auto insurance quotes can help you reduce your rates.
You can use our free quote comparison tool to find the best rate for your Mercedes. It will help you find the best auto insurance rates from auto insurance companies in your area for your Mercedes vehicle.
Frequently Asked Questions
Is Mercedes-Benz insurance expensive?
Yes, Mercedes cars are more expensive to insure as they are luxury vehicles. However, costs will vary greatly depending on what model you have, your driving record, and your choice of auto insurance company.
What is the average insurance rate for a Mercedes-Benz?
The average insurance rate for a cheaper model of a Mercedes Benz tends to fall below $200 for a full coverage insurance policy, but these auto insurance rates will vary.
Are Mercedes luxury or premium vehicles?
Mercedes are considered luxury vehicles, which is why they come with higher purchase prices and, therefore, higher auto insurance rates. Auto insurance companies will need to pay more for repair parts, so they charge more to offset the potentially high costs if you end up filing a claim.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Cynthia Lanctot
|