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

Quick Facts

• A Mercedes-Benz CLA costs more than most other cars to insure.
• Full coverage for a CLA generally runs around $225 a month, while liability only auto insurance rates run about $99 monthly.
• At sometimes as little as $34 per month for liability only coverage, FirstChicago is the cheapest insurance company for a CLA.

CLA Overview

With a base price of just $38,200 for 2022 models, the Mercedes-Benz CLA is a great budget-friendly car for drivers of all types. You'll have your choice of four different trim levels, so there's an option for every driver.

We analyzed thousands of car insurance quotes on Compare.com, and we've determined that, on average, Mercedes-Benz CLA auto insurance premiums run around $205 a month. Compared to other vehicles in the market, how do CLA car insurance prices stack up?

How Much is Car Insurance for a Mercedes-Benz CLA?

Looking at the table above, you'll find that insurance rates for a Mercedes-Benz CLA are more expensive than average. CLA owners can expect to pay about $99 monthly for liability insurance, and around $225 per month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other Mercedes-Benz models, the CLA is more expensive, with prices about 17% higher than the rest of the manufacturer's vehicle lineup. Similarly, compared to other vehicles of a similar body style, CLA coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

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

If you're searching for an auto insurance policy for a Mercedes-Benz CLA, you may be wondering which carrier offers the cheapest rates. Although there will never be one company that offers the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from Shelter Mutual. With car insurance sometimes as cheap as $34 a month, FirstChicago is the next most affordable auto insurance carrier.

Hugo, Fiesta, and MetroMile round out the end of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers use a whole range of different factors and complex formulas to calculate premiums. There's only one way to make sure you find the cheapest possible rates, and that's by pulling quotes from a variety of insurance companies.

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

As we mentioned above, there are quite a few things that car insurance carriers consider to determine how much they charge for a policy -- and each company weighs different variables more heavily than others, so there's not one single carrier that's the lowest for everyone.

The following sections show several variables auto insurance companies use to calculate rates:

Vehicle Age

The Mercedes-Benz CLA has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

Based on the information in the above table, the Mercedes-Benz CLA is in line with this trend, as the cheapest models to insure are those that are 8 to 10 years old, while on average, the most expensive models are CLAs that are 6 to 7 years old.

Your Age

Your age is another factor that makes a significant difference in how much you pay for car insurance. Based on the information above, younger drivers pay more compared to drivers who have more experience. In this case, drivers aged 18 to 24 pay $46 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for CLA drivers being 55-64.

Your Gender

Did you know women normally pay less for auto insurance than men? This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Mercedes-Benz CLA is no different, and women pay around $94 monthly for car insurance and men pay about $103.

Where You Live

You may already know that factors such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can have just as much as an impact? Auto insurance is regulated on the state level rather than nationally, so premiums change quite a bit from state to state.

For example, the average Mercedes-Benz CLA driver in New York pays around $279 a month for liability coverage, while the same owner from California will pay only a fifth of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

Mercedes-Benz CLA Car Insurance Discounts

No matter your car, your age, or your home state, it's always a smart move to take advantage of as many auto insurance discounts as possible.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-car discounts for adding more than one vehicle to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings

These are just a few of the discounts out there. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you don't have control over every variable car insurance carriers take a look at to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use in your favor when it comes to cost savings:

Your Driving Record

You've no doubt observed ads from auto insurance companies promoting big discounts for safe drivers. And you probably wouldn't be surprised that your car insurance rates will go higher if you get into a collision or get tickets for speeding. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost CLA drivers more than tickets, but both will result in higher than average rates. Mercedes-Benz CLA drivers with a single accident on their record pay about $131 a month (up $32 from the $99/mo. overall average), while drivers with one ticket will pay an average of $129 monthly. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

The total distance you drive annually affects your insurance premiums. Those who drive less are less likely to get into accidents, so they'll usually be offered lower rates. In the above table, you can see that Mercedes-Benz CLA owners who drive between 7,500 and 10,000 miles pay $105 for car insurance, while those who drive more than 10,000 miles per year pay an average of $89 per month.

But if you don't use your Mercedes-Benz CLA that often, it may be worth reviewing pay-per-mile or usage-based insurance. With these kinds of plans, 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 CLAs Compare to Other Vehicles?

If you're thinking about making a Mercedes-Benz CLA your next purchase, you might want to know how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

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

Overall, the Mercedes-Benz CLA has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $46,192, and the CLA comes in close to that at $38,200.

Liability insurance for a Mercedes-Benz CLA is, while full coverage is over $50 more a month.

When it comes to usage, Mercedes-Benz CLA drivers are far from the national average in annual miles driven, with 10,532 miles each year compared to 11,617 for all vehicles.

Mercedes-Benz CLA Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on how much the average driver pays for auto insurance. If you're considering buying a new CLA, knowing what you'll likely pay is extremely valuable as you weigh your choices.

2021 Mercedes-Benz CLA Car Insurance

The average cost to insure a 2021 Mercedes-Benz CLA with liability only coverage is $74 per month, while full coverage runs about $261 monthly.

With premiums as cheap as $33 a month, Mercury offered the cheapest policy we found for the 2021 Mercedes-Benz CLA.

What could your auto insurance price look like? Get several free customized quotes by just entering your ZIP code below.

2020 Mercedes-Benz CLA Car Insurance

You can expect full coverage for a 2020 CLA to run around $196 monthly, while liability only coverage will average about $77 per month.

Hugo has rates as little as just $22 a month for the 2020 Mercedes-Benz CLA.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

2019 Mercedes-Benz CLA Car Insurance

2019 Mercedes-Benz CLA drivers can expect to pay an average of $78 monthly for liability or $235 for full coverage.

If you're looking for the lowest possible 2019 Mercedes-Benz CLA insurance policy, MetroMile offered the lowest policy we found, with rates as little as $23 per month.

If you want to find the best prices for insurance for a 2019 Mercedes-Benz CLA, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2018 Mercedes-Benz CLA Car Insurance

It costs around $95 a month for liability or $238 for a full coverage policy for the 2018 CLA.

Mile Auto offered the most affordable policy we found, with rates sometimes as low as $28 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2017 Mercedes-Benz CLA Car Insurance

On average, drivers who own a 2017 Mercedes-Benz CLA can expect to pay $95 to $209 monthly for liability only and full coverage car insurance, respectively.

We found MetroMile offered the lowest policy, with rates as cheap as just $31 a month.

While these are good estimates of what the average driver might pay to insure a 2017 Mercedes-Benz CLA, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2016 Mercedes-Benz CLA Car Insurance

You can expect full coverage for a 2016 CLA to run about $222 monthly, while liability only coverage will average around $93 per month.

With rates as low as $23 a month, MetLife offered the most affordable policy we found.

Want something more accurate than national averages? Just enter your ZIP code below to get a variety of free customized quotes.

2015 Mercedes-Benz CLA Car Insurance

It costs about $114 per month for liability or $216 for a full coverage policy for the 2015 Mercedes-Benz CLA.

Looking for the cheapest policy? Hugo offered liability only coverage for as low as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2014 Mercedes-Benz CLA Car Insurance

The average cost to insure a 2014 CLA with liability only coverage is $105 per month, while full coverage runs around $228 monthly.

If you're looking for the most affordable 2014 Mercedes-Benz CLA insurance policy, Commonwealth Casualty offered the lowest policy we found, with rates sometimes as little as $23 a month.

Want something more accurate than nationwide averages? Get multiple personalized quotes for free by just entering your ZIP code below.

Mercedes-Benz CLA Insurance FAQs

Is a Mercedes-Benz CLA expensive to insure?

The Mercedes-Benz CLA is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $99 per month, while full coverage will cost you around $225.

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

The only way to ensure you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from a multitude of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies 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 CLA affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. Even though there are lots of factors insurance carriers think about when they decide your car insurance premium, the color of your Mercedes-Benz CLA is not on that list.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your auto insurance company ahead of time.

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

There are a variety of discounts out there for insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your CLA has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about their list of discounts.