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

Quick Facts

• It costs less to insure a Mercedes-Benz CLK than the average car.
• Liability car insurance for a CLK runs around $70 per month, while full coverage generally comes in at about $163.
• The most affordable auto insurance carrier for a CLK is CSAA, who offers liability only coverage for as little as just $33 a month, on average.

CLK Overview

With 2009 models starting at $48,100, the Mercedes-Benz CLK is a high-end car on the more expensive end of the spectrum. You'll have your choice of two different trim levels, so you'll drive off the dealership lot in style.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Mercedes-Benz CLK auto insurance rates average out to around $120 monthly. But how does that compare to other cars on the market?

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

If you look at the table above, you'll see that Mercedes-Benz CLK insurance premiums are right about average compared to other vehicles on the road. CLK drivers usually pay around $163 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $70 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other models, the CLK is cheaper, with prices more than 10% lower than other vehicles in Mercedes-Benz's lineup. Compared to offerings from other brands, car insurance for a CLK is also more affordable, with full coverage insurance premiums coming in about 8% less and 16% less for liability only insurance.

Compared to all vehicles of any body type, the CLK has less expensive rates than average for both full coverage and liability only insurance.

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

Shopping around for a car insurance policy for your Mercedes-Benz CLK? You may want to know which company offers the lowest rates. Even though costs will normally be pretty different from driver to driver, the cheapest average rates for liability only insurance are as cheap as just $23 per month from USAA. The next lowest carrier is CSAA, who offers car insurance as cheap as $33 a month.

Completing the top 5 companies are Mile Auto, Mapfre, and CaliforniaCasualty. 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.

Insurance carriers use a variety of factors and complex formulas to calculate premiums. By analyzing quotes from several auto insurance companies at once, you can be confident you're finding the most affordable rate.

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

There are numerous things that insurance carriers consider to determine how much to charge -- and every company weighs certain factors more than others, so there's not a singular carrier that's the cheapest for each driver.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

Mercedes-Benz has been making the CLK for quite some time, so the car's age may make a difference in how much you'll pay for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and CLKs continue to depreciate, insurance costs will gradually decrease.

A new Mercedes-Benz CLK model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Mercedes-Benz CLKs to insure are those that are 4 to 5 years old, while the cheapest models are CLKs that are 6 to 7 years old, on average.

Your Age

Age is another variable that makes a significant difference in how much insurance carriers will charge for auto insurance. In the table above, you'll see that drivers who have more experience pay less than young drivers. Mercedes-Benz CLK drivers who are 18 to 24 actually pay $30 more than those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for CLK drivers being 65 years and older.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women typically pay less for insurance than men. The Mercedes-Benz CLK sticks to the norm, where men pay around $9 more than women monthly for car insurance.

Where You Live

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live has just as much of an impact. Since car insurance is regulated at the state level, rates can vary quite a bit depending on which state you're located in.

For example, the average Mercedes-Benz CLK owner from New York pays about $193 per month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

Mercedes-Benz CLK Car Insurance Discounts

No matter how old you are, what vehicle you drive, or what state you live in, using as many discounts as possible when it comes to your auto insurance policy is always in your best interest.

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

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than in monthly installments
• Multi-car discounts for insuring more than one of your vehicles with the same carrier

While taking advantage of discounts is always a smart way to save 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 avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), you can influence some of it. Below are just a few of the variables you can use in your favor when it comes to saving money:

Your Driving Record

It's no secret that car insurance companies offer the lowest rates to drivers with clean records. It checks out that your auto insurance prices will increase if you get into an accident or get tickets for speeding. But exactly how much can these infractions cost you?

As you can tell from the table above, accidents will usually cost CLK drivers more than tickets, but both will result in a raise in rates. Mercedes-Benz CLK drivers with one accident on their record pay an average of $93 per month (up $23 from the $70/mo. overall average), while drivers with a single ticket will pay about $75 monthly. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor that impacts your insurance premiums is the total distance you drive annually. Those who are on the roads less often are more likely to go accident-free, so they'll generally get cheaper prices. In the table above, you can see that Mercedes-Benz CLK owners who drive between 2,500 and 5,000 miles a year pay an average of $55 a month for car insurance, while those who put less than 2,500 miles on their cars pay $83.

But if you don't drive much because you work from home or have a second vehicle, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Mercedes-Benz CLKs Compare to Other Vehicles?

If you're considering purchasing a new car and a Mercedes-Benz CLK is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering.

Visit the table below to see how the Mercedes-Benz CLK compares:

Overall, the Mercedes-Benz CLK is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the average vehicle price in the U.S. is $33,180, the CLK comes in above that at $48,100. And since there hasn't been a new CLK model on the market in the last few years, used prices will be even lower.

In the same fashion, auto insurance premiums are higher when compared to the rest of the vehicle market. Full coverage insurance for a Mercedes-Benz CLK is around $12 per month more than average, while liability only coverage is $10 higher per month.

When it comes to usage, Mercedes-Benz CLK drivers are near the national average in annual miles driven, with 11,964 miles every year compared to 11,617 for all vehicles.

Mercedes-Benz CLK Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on what you'll pay for car insurance. If you're considering buying a new CLK, knowing what you can expect to pay can be extremely valuable as you weigh your options.

2009 Mercedes-Benz CLK Car Insurance

It costs about $91 a month for liability or $181 for a full coverage policy for the 2009 CLK.

With prices sometimes as cheap as $20 monthly, SafeAuto offered the lowest policy we found for the 2009 Mercedes-Benz CLK.

What could your insurance rate look like? Just enter your ZIP code below to get multiple personalized quotes for free.

2008 Mercedes-Benz CLK Car Insurance

2008 Mercedes-Benz CLK drivers can expect to pay an average of $62 per month for liability or $152 for full coverage.

Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as low as $18 a month.

These average premiums are a great starting point if you're in the market for a 2008 Mercedes-Benz CLK, but there are many factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2007 Mercedes-Benz CLK Car Insurance

On average, drivers who own a 2007 CLK can expect to pay $63 to $151 monthly for liability only and full coverage car insurance, respectively.

We found StateAuto offered the cheapest policy, with rates as little as $19 a month.

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

2006 Mercedes-Benz CLK Car Insurance

You can expect full coverage for a 2006 Mercedes-Benz CLK to run around $157 per month, while liability only coverage will average about $64 monthly.

Elephant has rates sometimes as little as $20 per month for the 2006 Mercedes-Benz CLK.

Want to know exactly how much you'll pay? Get lots of free personalized quotes by just entering your ZIP code below.

2005 Mercedes-Benz CLK Car Insurance

The average cost to insure a 2005 CLK with liability only coverage is $77 a month, while full coverage runs around $192 monthly.

With premiums as low as just $20 a month, Mercury offered the most affordable policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2004 Mercedes-Benz CLK Car Insurance

It costs about $64 per month for liability or $156 for a full coverage policy for the 2004 Mercedes-Benz CLK.

If you're looking for the cheapest possible 2004 Mercedes-Benz CLK insurance policy, Coverhound offered the lowest policy we found, with rates as low as $23 monthly.

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

2003 Mercedes-Benz CLK Car Insurance

The average cost to insure a 2003 CLK with liability only coverage is $63 a month, while full coverage runs around $151 monthly.

MetLife offered the cheapest policy we found, with rates as cheap as $25 per month.

Interested in what your auto insurance premium could look like? Just enter your ZIP code below to get a variety of free personalized quotes.

2002 Mercedes-Benz CLK Car Insurance

On average, drivers who own a 2002 Mercedes-Benz CLK can expect to pay $72 to $141 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2002 Mercedes-Benz CLK insurance policy, Mercury offered the lowest policy we found, with rates sometimes as little as $20 per month.

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.

2001 Mercedes-Benz CLK Car Insurance

You can expect full coverage for a 2001 CLK to run about $158 a month, while liability only coverage will average around $69 monthly.

With rates as little as $19 per month, SafeAuto offered the most affordable policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

2000 Mercedes-Benz CLK Car Insurance

2000 Mercedes-Benz CLK drivers can expect to pay an average of $84 a month for liability or $206 for full coverage.

Sun Coast has prices as little as just $18 per month for the 2000 Mercedes-Benz CLK.

Want to know exactly what your auto insurance rate will be? Enter your ZIP code below to get several customized quotes for free.

1999 Mercedes-Benz CLK Car Insurance

You can expect full coverage for a 1999 CLK to run about $147 a month, while liability only coverage will average around $64 monthly.

With premiums sometimes as low as $20 per month, Commonwealth Casualty offered the cheapest policy we found for the 1999 Mercedes-Benz CLK.

While these are good estimates of what the average driver might pay to insure a 1999 Mercedes-Benz CLK, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

1998 Mercedes-Benz CLK Car Insurance

1998 Mercedes-Benz CLK drivers can expect to pay an average of $52 monthly for liability or $49 for full coverage.

Looking for the lowest policy? Dairyland offered liability only coverage for as low as $29 a month.

If you want to find the best rates for car insurance for a 1998 Mercedes-Benz CLK, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

Mercedes-Benz CLK Insurance FAQs

Is a Mercedes-Benz CLK expensive to insure?

Liability insurance runs an average of $70 per month, while full coverage will cost you around $163. It costs less to insure a Mercedes-Benz CLK when compared to the average vehicle.

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

There's only one way to make sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a multitude of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Mercedes-Benz CLK affect my insurance rates?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. While there are many things insurance carriers use when they calculate how much your policy will be, the color of your car isn't one of them.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) Mercedes-Benz CLK off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your car insurance company know ahead of time.

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

You will find a range of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your CLK and more on you, but if your CLK has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about their list of discounts, since they fluctuate quite a bit from carrier to carrier.