+120 more)
Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
)
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Mercedes-Benz owner spends $184 per month on car insurance, more than the national average cost of $150 for all vehicles. This isn’t much of a surprise since Mercedes-Benz vehicles typically come with luxury features that warrant higher repair costs.[1]
But you can still save on coverage in a few ways. For example, some insurance companies, like Travelers, State Auto, and Safeco, offer premiums well below the average. The best way to zero in on the cheapest auto policy for your Mercedes is to shop around and compare car insurance quotes from several companies.
Now, let’s dive deeper into actual car insurance costs for Mercedes-Benz vehicles.
On average, liability insurance for a Mercedes-Benz costs $130 per month.
The cheapest Mercedes model to insure is the SLK, with average rates of $89 per month for minimum coverage and $163 per month for a full-coverage policy.
The A-Class Mercedes-Benz is the most expensive model to insure.
We did the heavy lifting and analyzed thousands of quotes to find out what you might pay each month to insure your Mercedes-Benz. The table below shows average Mercedes rates by coverage level compared to the national average, based on Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Mercedes-Benz | $130 | $237 | $184 |
| All makes | $108 | $193 | $150 |
Compared to average vehicles, Mercedes-Benz models come with higher car insurance rates — especially if you opt for full coverage. But depending on your situation, the additional protection of a full-coverage policy may be worth the extra cost. That said, if you’ve completely paid off your Mercedes and can afford to repair or replace it on your own, you may only need liability coverage.
Protect your Mercedes and your wallet.
Many factors influence the price of insurance for your Mercedes, including the model you choose. This is because of variations in the manufacturer’s suggested retail price (MSRP) and cost of repairs for each model.
For example, a more expensive vehicle, such as the S-Class sedan, will come with higher rates than the cheaper GLA SUV.
Your coverage level and insurer will also play a role in your car insurance costs. Basic liability coverage is mandatory in most U.S. states, but it covers only the other driver’s vehicle and medical expenses in an at-fault accident.
Full coverage is more expensive but also includes comprehensive and collision insurance and covers you in the event of an accident, theft, vandalism, fires, and hailstorms.[2]
This table highlights how average rates vary between Mercedes-Benz models according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| A-Class | $155 | $283 |
| C-Class | $135 | $246 |
| CLA | $148 | $270 |
| CLK | $96 | $175 |
| CLS | $145 | $263 |
| E-Class | $129 | $235 |
| GL | $114 | $208 |
| GLA | $123 | $224 |
| GLB | $131 | $238 |
| GLC | $124 | $225 |
| GLE | $130 | $237 |
| GLK | $105 | $190 |
| GLS | $139 | $253 |
| ML | $102 | $186 |
| S-Class | $140 | $255 |
| SL | $113 | $205 |
| SLK | $89 | $163 |
The SLK, a now-discontinued compact roadster, is the cheapest Mercedes model to insure, at $89 per month for liability insurance and $163 per month for full coverage. On the flip side, the A-Class sedan is the most expensive, with average monthly rates starting at $155 for liability coverage.
Next, let’s explore the cheapest car insurance companies for your Mercedes-Benz.
Although the Mercedes-Benz lineup comes with higher average car insurance quotes than other vehicles, you can still find ways to save on your auto policy. Below, you’ll find the car insurance companies with the lowest rates for Mercedes drivers across the country, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $106 |
| State Auto | $127 |
| Safeco | $127 |
| Mercury | $138 |
| Root | $140 |
Travelers offers the best deal for Mercedes drivers, with an average monthly rate of just $106 per month — more than $20 cheaper than the average Mercedes. Since car insurance costs for Mercedes-Benz vehicles differ by insurer, it’s essential to compare quotes from several companies.
Now, let’s go over which insurance companies might be a good fit for your unique situation and Mercedes model.
Score the best car insurance rates for your Mercedes.
When it comes to car insurance for your Mercedes-Benz, the ideal choice depends on your particular needs, budget, and preferences. To help you with your search, we analyzed thousands of policies and found these standout insurance companies based on rates, discounts, coverage options, and customer satisfaction ratings.
Below are the best auto insurance companies for Mercedes drivers on a budget, younger Mercedes drivers, and Mercedes owners in the military community.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers some of the lowest premiums for Mercedes-Benz drivers, based on our research. Plus, if you bundle your auto policy with home insurance or renters insurance, for example, you can further your savings. You may also sign up for IntelliDrive, the insurer’s telematics program, and land a discount for safe driving.
Many discounts available
Special rates for certain organizations
Personalized service from local agents
Some discounts aren’t available everywhere
IntelliDrive not available in all states
Below-average customer satisfaction ratings
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you’re younger than 25, you can participate in State Farm’s Steer Clear telematics program to save on your Mercedes car insurance coverage and improve your driving skills. You may also score up to 25% off if you get good grades and lower your premium if you’re away at school or complete an approved driver training course.
Telematics program for all drivers
Quotes available online
Bundling discount available
Not available in Massachusetts or Rhode Island
Discounts vary by state
Pay-per-mile insurance not available for young drivers
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA car insurance is available to Mercedes-Benz drivers who are affiliated with the military. If you’re a veteran, military member, or military family member, you can sign up for the SafePilot telematics program and land a 10% discount right off the bat. If you demonstrate safe driving habits, you may earn up to 30% off your policy.
Also, if you don’t drive often, you can save money through SafePilot Mile, USAA’s usage-based insurance program.
Military-specific discounts
Offers coverage overseas
Robust mobile app
Only available to military community
Fewer add-ons than other insurers
Poor Trustpilot customer rating
Your location, down to your ZIP code, affects your car insurance costs. This is due to differences in local factors like weather patterns, accident rates, and repair costs that all play a role in your premium.[2]
Here’s a look at the average costs of auto policies for Mercedes-Benz vehicles in every state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $121 |
| Arizona | $162 |
| Arkansas | $232 |
| California | $233 |
| Colorado | $190 |
| Connecticut | $368 |
| Delaware | $225 |
| Florida | $237 |
| Georgia | $240 |
| Idaho | $122 |
| Illinois | $151 |
| Indiana | $130 |
| Iowa | $110 |
| Kansas | $149 |
| Kentucky | $237 |
| Louisiana | $219 |
| Maine | $144 |
| Maryland | $333 |
| Massachusetts | $182 |
| Michigan | $284 |
| Minnesota | $182 |
| Mississippi | $182 |
| Missouri | $178 |
| Montana | $147 |
| Nebraska | $170 |
| Nevada | $289 |
| New Hampshire | $111 |
| New Jersey | $192 |
| New Mexico | $140 |
| New York | $466 |
| North Carolina | $91 |
| North Dakota | $140 |
| Ohio | $123 |
| Oklahoma | $157 |
| Oregon | $156 |
| Pennsylvania | $158 |
| Rhode Island | $139 |
| South Carolina | $266 |
| South Dakota | $117 |
| Tennessee | $137 |
| Texas | $215 |
| Utah | $176 |
| Vermont | $132 |
| Virginia | $175 |
| Washington | $135 |
| District of Columbia | $275 |
| West Virginia | $140 |
| Wisconsin | $123 |
| Wyoming | $117 |
){kind=logo}
The right car insurance policy for your Mercedes-Benz depends on your unique situation. Every state except New Hampshire requires a minimum amount of insurance to legally drive. But while it’s the cheapest option, liability-only insurance doesn't offer the best protection.
You can also opt for full coverage, which includes comprehensive and collision insurance. These additional coverages pay for damages from far more accidents and situations, like weather events and theft, no matter who is at fault.[3]
You might also want to consider these add-ons as a Mercedes owner:
Gap insurance: This helps to pay off your lease or loan if you total your Mercedes and owe more than it’s worth. Your lender might even require it if you have a large loan.
Custom equipment coverage: Custom parts and equipment coverage may be worthwhile if you decide to modify your Mercedes with stereo equipment, wheels, or other aftermarket parts.[4]
Roadside assistance: Also known as “towing and labor coverage,” roadside assistance can be helpful if you get stranded on the road and need fuel or towing services.
Next, let’s dive into how to score the best deal for your Mercedes auto policy.
)
Here are five tips to help you lower your car insurance rate:[5]
Take advantage of discounts. Most insurance companies offer discount opportunities. For example, you may land a discount if you insure multiple vehicles or take a defensive driving course.
Explore pay-per-mile insurance. If you drive your Mercedes only on occasion, pay-per-mile coverage can save you money. You’ll pay only for the miles you drive each month.
Sign up for telematics. Many insurers will reward you with a discount if you let them track your driving behaviors through their telematics program. You can score a lower rate if you prove you’re a responsible driver.
Be mindful of your model. If you’re in the market for a Mercedes, keep in mind that a more expensive vehicle like the A-Class sedan may lead to higher premiums. You might want to choose a more affordable option.
Shop around. Do your research and compare car insurance quotes from different companies. This can help you find the best deal for your Mercedes and needs. It’s a good idea to shop around on a regular basis, as rates change often.
Compare rates from leading insurers.
Here are the most common questions from Mercedes-Benz drivers who want to save on their auto insurance coverage.
Car insurance for a Mercedes-Benz averages $184 per month, according to Compare.com data. But your premiums will depend on factors like your model, driving record, location, and coverage choices.
Yes. The average cost to insure a Mercedes-Benz is higher than the national average cost for all vehicles — $184 vs. $150 per month, respectively. Fortunately, you can still secure a good deal if you shop around, leverage discounts, and sign up for a telematics program.
Mercedes-Benzes are considered luxury vehicles and have a higher value. Also, Mercedes models contain many expensive luxury parts. These parts mean higher repair costs and, in turn, greater risk for car insurance companies.
The Mercedes-Benz SLK is a compact roadster and the cheapest Mercedes model to insure, according to Compare.com research. Its average rates are $89 per month for liability insurance and $163 per month for full coverage.
It may, since Mercedes-Benzes are luxury vehicles. Your premium isn’t set in stone, and many factors besides your car’s make and model influence it. It may increase due to traffic violations or factors outside of your control, such as higher theft rates or repair costs. For this reason, it’s a good idea to shop around and compare your options on a regular basis.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
)
)
