Mercedes-Benz A-Class Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mercedes-Benz A-Class is more expensive to insure compared to the average car.
• Full coverage auto insurance for an A-Class comes in at about $216 a month, on average, while liability only insurance generally tends to be around $93 per month.
• Freedom offers the most affordable average rates for an A-Class with liability only coverage offered for as low as just $37 a month.

A-Class Overview

The Mercedes-Benz A-Class is a great budget-friendly car for drivers of all types, with base prices starting at just $35,950 for 2022 models. You'll have your choice of two different trim levels, so you'll be sure to find an option to fit your style.

We combed through thousands of insurance quotes on Compare.com, and we've found that Mercedes-Benz A-Class car insurance rates run about $189 monthly, on average. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Mercedes-Benz A-Class?

In the table above, you'll find that Mercedes-Benz A-Class insurance premiums are higher than average compared to other vehicles. A-Class owners can expect to pay around $93 per month for liability insurance, and about $216 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When compared to other Mercedes-Benz models, the A-Class is more expensive, with prices more than 10% higher than the rest of the automaker's vehicle lineup. Compared to offerings from other brands, auto insurance for an A-Class is similarly on the expensive side, with liability only insurance premiums coming in around 12% more and 22% more for full coverage.

Generally, they're just more expensive to insure than the average vehicle, no matter which model, make, or body style you compare it to.

Who has the Cheapest Car Insurance for a Mercedes-Benz A-Class?

If you're looking for a car insurance policy for a Mercedes-Benz A-Class, you may be most interested in which company offers the cheapest prices. Although there will never be one carrier that offers the lowest prices for everyone, Hugo offers the cheapest average rates for liability only coverage, with rates as cheap as $33 a month. The runner up for lowest rates is Freedom, with insurance policies starting as little as just $37 per month.

Completing the top 5 carriers are Clearcover, Fiesta, and Kemper. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mercedes-Benz A-Class.

Insurance carriers take a variety of factors into consideration when calculating monthly prices. By analyzing quotes from a variety of auto insurance companies at once, you can rest easy knowing that you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Mercedes-Benz A-Class?

There are a wide array of variables that car insurance carriers take a look at to choose how much they charge for a policy -- and each company uses a different algorithm, so there's not a singular carrier that's the most affordable for every A-Class driver.

The sections below show a whole range of variables auto insurance companies use to calculate rates:

Vehicle Age

The Mercedes-Benz A-Class has only been around for two or three model years, so vehicle age won't affect your cost in the same way it might for other vehicles. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and A-Classes begin to depreciate, insurance costs will gradually go lower.

Next year, we'll have a better idea of the differences in rates for each model year, but for now we see that a A-Class less than one year old will be around between $80 and $97 monthly to insure.

Your Age

Your age is another factor that plays a significant role in how much insurance carriers will charge you. Because the Mercedes-Benz A-Class is pretty new to the market, we're just starting to collect data on how age is affecting car insurance prices. So far, based on the table above, younger A-Class drivers have more expensive premiums than those who have more experience. In this case, drivers aged 18 to 24 pay $11 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 35-44 for A-Class drivers.

Your Gender

Did you know women usually pay less for insurance than men? This is because women are less likely to get tickets and get into accidents, which lowers the chances of an insurance claim. When it comes to A-Class drivers specifically, women pay about $74 a month for auto insurance and men pay around $100.

Where You Live

It may be obvious that things like how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live is equally important. Car insurance is regulated on a state-by-state basis, so prices can change quite a bit from state to state.

Because the A-Class is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are.

Mercedes-Benz A-Class Car Insurance Discounts

Whatever your age, your home state, or your car, it's always important to take advantage of as many insurance discounts as possible.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for getting both your home and auto policies from the same carrier

There are lots of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Even though you may not be able to control every variable auto insurance companies use to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use in your favor when it comes to saving some cash:

Your Driving Record

It's no secret that car insurance carriers offer the cheapest premiums to drivers with a history of responsible driving. It makes sense that your insurance rates will go higher if you get into a collision or get tickets for speeding. But you still might be left wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Mercedes-Benz A-Class drivers specifically, since it is a relatively new car. However, we'll have a better idea of how much infractions will cost A-Class drivers when it comes to auto insurance as we see more and more of these on the road.

How Much You Drive

Another factor you have control over is the amount of miles you drive. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up spending less on insurance. Since the Mercedes-Benz A-Class is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, drivers who travel 0 - 2,500 miles every year are offered the highest rates.

But if you don't use your Mercedes-Benz A-Class to travel or commute regularly, it may be worth getting usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Mercedes-Benz A-Classes Compare to Other Vehicles?

If you're thinking about making a Mercedes-Benz A-Class your next purchase, it might be helpful to do your homework. Insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Mercedes-Benz A-Class compares:

With an MSRP that's less than the going rate for a new vehicle, the Mercedes-Benz A-Class is a fantastic value when it comes to price. While the national average vehicle MSRP is $46,192, the A-Class retails at just $35,950.

Liability insurance for a Mercedes-Benz A-Class is, while full coverage is over $30 cheaper per month.

When it comes to usage, Mercedes-Benz A-Class owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles per year compared to the A-Class's 9,550 a year.

Mercedes-Benz A-Class Car Insurance Costs by Model Year

We've walked through many of the factors that can have an impact on how much the average driver pays for insurance. If you're considering purchasing a new A-Class, knowing what you'll likely pay can be extremely helpful as you weigh your choices.

2021 Mercedes-Benz A-Class Car Insurance

It costs about $68 a month for liability or $197 for a full coverage policy for the 2021 Mercedes-Benz A-Class.

Hugo offered the most affordable policy we found, with rates as little as $35 per month.

If you want to know exactly how much you can expect to pay for your A-Class, get free quotes in minutes by just entering your ZIP code below.

2020 Mercedes-Benz A-Class Car Insurance

On average, drivers who own a 2020 A-Class can expect to pay $71 to $192 monthly for liability only and full coverage car insurance, respectively.

With prices as cheap as just $21 a month, Clearcover offered the lowest policy we found for the 2020 Mercedes-Benz A-Class.

If you want to find the best rates for auto insurance for a 2020 Mercedes-Benz A-Class, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

2019 Mercedes-Benz A-Class Car Insurance

The average cost to insure a 2019 Mercedes-Benz A-Class with liability only coverage is $118 monthly, while full coverage runs around $239 per month.

We found DirectGeneral offered the most affordable policy, with rates as low as $29 monthly.

Want to find the cheapest rates? Get several free personalized quotes by just entering your ZIP code below.

Mercedes-Benz A-Class Insurance FAQs

Is a Mercedes-Benz A-Class expensive to insure?

It costs more to insure a Mercedes-Benz A-Class when compared to the average vehicle. Liability insurance runs an average of $93 a month, while full coverage will cost you around $216.

How can I get the best price on car insurance for my Mercedes-Benz A-Class?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and comparing quotes from quite a few companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a multitude of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mercedes-Benz A-Class affect my insurance prices?

You may have heard the old adage that red cars cost more to insure, but that's actually not the case. There are a variety of things car insurance companies consider when they decide your insurance price, but the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy a Mercedes-Benz A-Class?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships might offer you a car insurance policy, but the easiest thing to do is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Mercedes-Benz A-Class?

There are a range of different discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Mercedes-Benz A-Class you drive, but if your A-Class has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance company and ask about their discounts, since they differ quite a bit from carrier to carrier.