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

Quick Facts

• A Mercedes-Benz CLS is more expensive to insure than the average car.
• Full coverage for a CLS typically averages about $214 monthly, while liability only insurance rates run around $78 a month.
• The cheapest car insurance company for a CLS is Workmens.

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CLS Overview

The Mercedes-Benz CLS is a high-end car for drivers with extra room in their budgets, with 2021 models starting at $70,300. With three different trim levels currently available, there's a style for every driver.

We combed through thousands of insurance quotes on Compare.com, and we've found that Mercedes-Benz CLS auto insurance prices run about $243 monthly, on average. But how does that compare to other cars on the market?

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

Looking at the table above, you can see that Mercedes-Benz CLS insurance premiums are higher than average. CLS drivers generally pay around $78 a month for liability insurance, and about $214 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other Mercedes-Benz models, the CLS is more expensive, with prices around 11% higher than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, CLS coverage runs close to average, with liability insurance rates $5 cheaper than other cars and full coverage insurance premiums coming in $37 higher.

When compared to all vehicles of any body type, liability only prices are slightly cheaper for a CLS, but run higher than average for full coverage policies.

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

If you're browsing for a car insurance policy for a Mercedes-Benz CLS, you might be wondering which carrier offers the most affordable prices. While rates can fluctuate pretty dramatically from person to person, Elephant offers the lowest average rates for liability only coverage, with rates as little as $33 a month. The next most affordable company is MetLife, who offers car insurance sometimes as low as $49 monthly.

Rounding out the list are Mercury, StateAuto, and Good2Go. However, 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.

Auto insurance carriers take multiple variables into consideration when offering you rates. There's only one way to make sure you find the cheapest possible rates, and that's by pulling quotes from a whole bunch of insurance companies.

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

There are a variety of factors that auto insurance carriers take into account to decide how much they charge for insurance -- and each carrier uses a different algorithm, so there's not one single company that's the most affordable for everyone.

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

Vehicle Age

Mercedes-Benz has been making the CLS for quite some time, so the car's age may play a big role in how much you'll pay for car insurance. Typically, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

Based on the information in the above table, the Mercedes-Benz CLS is in line with this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are CLSs that are 2 to 3 years old.

Your Age

How old you are makes a difference in how much auto insurance carriers will charge you for a policy. In the table above, you'll see that drivers under 24 have more expensive premiums than those with more experience. In this case, drivers 18 to 24 pay $41 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for CLS drivers.

Your Gender

Did you know women usually pay less for insurance than men? This is because men are more likely to get into accidents and get tickets, which raises the chances of an insurance claim. Surprisingly, when it comes to CLS drivers specifically, men pay about $1 less than women each month for car insurance.

Where You Live

It may be obvious that factors such as how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live can matter just as much. Car insurance is regulated on the state level and not nationally, so premiums can shift quite a bit depending on where you live.

For example, the average Mercedes-Benz CLS driver in New York pays around $200 per month for liability coverage, while the same Californian owner will pay less than half of that price, on average.

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Mercedes-Benz CLS Car Insurance Discounts

Regardless of what vehicle you drive, how old you are, or what state you live in, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-car discounts for having several vehicles on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same company

However, discounts aren't the only way to save. 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.

Even though you may not be able to control every factor auto insurance companies take a look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the variables you can use in your favor in order to save money on insurance:

Your Driving Record

You've most likely seen ads from car insurance carriers posting big discounts for safe drivers. It should be no surprise that your insurance premiums will go up if you get a speeding ticket or get into an accident. But how much will they cost you?

Based on the table above, accidents will usually cost CLS drivers less than tickets, but both will cause a significant increase in rates. Mercedes-Benz CLS drivers with a single accident on their record pay an average of $108 every month (up $30 from the $78/mo. overall average), while drivers with one ticket will pay about $133 monthly. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

The total amount of miles you drive annually plays a big role when it comes to your auto insurance rates. Those who are on the roads less often are more likely to go accident-free, so they'll normally end up paying less for car insurance. Above, you can see that Mercedes-Benz CLS owners who drive fewer than 2,500 miles a year pay an average of $84 a month for insurance, while those who put 10,000 miles or more on their cars pay $96.

If you happen to be one of those drivers who put very few miles on your Mercedes-Benz CLS each year, it may be worth getting usage-based or pay-per-mile auto insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mercedes-Benz CLSs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Mercedes-Benz CLS is on your shortlist, it can pay off to do your research. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Mercedes-Benz CLS stacks up:

Overall, the Mercedes-Benz CLS is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the national average vehicle MSRP is $46,296, the CLS comes in above that at $70,300.

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

When it comes to usage, Mercedes-Benz CLS owners drive about the same amount annually as the national average, with 12,057 miles per year compared to 11,617 for all vehicles.

Mercedes-Benz CLS Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much the average driver pays to insure a Mercedes-Benz CLS. If you're thinking about buying a new vehicle and the CLS is one you're considering, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

Choose Your Model

2020 Mercedes-Benz CLS Car Insurance 2019 Mercedes-Benz CLS Car Insurance 2018 Mercedes-Benz CLS Car Insurance 2017 Mercedes-Benz CLS Car Insurance 2016 Mercedes-Benz CLS Car Insurance 2015 Mercedes-Benz CLS Car Insurance 2014 Mercedes-Benz CLS Car Insurance 2013 Mercedes-Benz CLS Car Insurance 2012 Mercedes-Benz CLS Car Insurance 2011 Mercedes-Benz CLS Car Insurance 2010 Mercedes-Benz CLS Car Insurance

2020 Mercedes-Benz CLS Car Insurance

2020 Mercedes-Benz CLS drivers can expect to pay an average of $34 a month for liability or $149 for full coverage.

With premiums as low as $34 monthly, Mercury offered the lowest policy we found for the 2020 Mercedes-Benz CLS.

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

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2019 Mercedes-Benz CLS Car Insurance

The average cost to insure a 2019 CLS with liability only coverage is $273 per month, while full coverage runs about $307 monthly.

We found Esurance offered the cheapest policy, with rates as cheap as just $273 a month.

While these are good estimates of what the average driver might pay to insure a 2019 Mercedes-Benz CLS, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Mercedes-Benz CLS Car Insurance

You can expect full coverage for a 2018 Mercedes-Benz CLS to run around $240 per month, while liability only coverage will average about $72 monthly.

StateAuto has rates as low as just $72 a month for the 2018 Mercedes-Benz CLS.

If you want to know exactly how much you can expect to pay for your CLS, just enter your ZIP code below and get several free quotes in minutes.

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2017 Mercedes-Benz CLS Car Insurance

It costs around $286 per month for liability or $318 for a full coverage policy for the 2017 CLS.

Looking for the lowest policy? Good2Go offered liability only coverage for as cheap as $2,286/mo monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2016 Mercedes-Benz CLS Car Insurance

On average, drivers who own a 2016 Mercedes-Benz CLS can expect to pay $79 to $233 per month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2016 Mercedes-Benz CLS insurance policy, Elephant offered the most affordable policy we found, with rates sometimes as little as $33 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Mercedes-Benz CLS, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Mercedes-Benz CLS Car Insurance

The average cost to insure a 2015 CLS with liability only coverage is $104 per month, while full coverage runs about $257 a month.

Mercury offered the cheapest policy we found, with rates sometimes as cheap as $29 monthly.

These average rates are a great starting point if you're in the market for a 2015 Mercedes-Benz CLS, but there are many different 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.

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2014 Mercedes-Benz CLS Car Insurance

You can expect full coverage for a 2014 Mercedes-Benz CLS to run around $209 per month, while liability only coverage will average about $72 monthly.

With prices as little as just $29 a month, Sun Coast offered the most affordable policy we found.

Interested in exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a multitude of personalized quotes from the nation's top insurance companies.

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2013 Mercedes-Benz CLS Car Insurance

It costs around $88 per month for liability or $219 for a full coverage policy for the 2013 CLS.

Clearcover offered the lowest policy we found, with rates as little as $43 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2013 Mercedes-Benz CLS, you can get free quotes in minutes by just entering your ZIP code below.

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2012 Mercedes-Benz CLS Car Insurance

2012 Mercedes-Benz CLS drivers can expect to pay an average of $58 monthly for liability or $228 for full coverage.

With premiums as low as just $25 per month, Infinity offered the cheapest policy we found for the 2012 Mercedes-Benz CLS.

If you want to find the best prices for car insurance for a 2012 Mercedes-Benz CLS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Mercedes-Benz CLS Car Insurance

On average, drivers who own a 2011 CLS can expect to pay $62 to $239 monthly for liability only and full coverage auto insurance, respectively.

Elephant has rates as cheap as just $33 a month for the 2011 Mercedes-Benz CLS.

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

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2010 Mercedes-Benz CLS Car Insurance

You can expect full coverage for a 2010 Mercedes-Benz CLS to run about $142 per month, while liability only coverage will average around $58 monthly.

Looking for the most affordable policy? MetLife offered liability only coverage for as cheap as $34 a month.

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

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Mercedes-Benz CLS Insurance FAQs

Is a Mercedes-Benz CLS expensive to insure?

When compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $78 monthly, while full coverage will cost you around $214.

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

The only way to guarantee you're getting the lowest price on insurance is to regularly shop around and compare quotes from a bunch of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a wide array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

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

You've probably heard the old adage that red cars cost more to insure, but that's actually a myth. Although there are multiple variables car insurance carriers use when they calculate your prices, the color of your vehicle is not on that list.

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

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a a new car is to talk with your insurance company before you buy.

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

You will find a multitude of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Mercedes-Benz CLS you drive, but if your CLS has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, talk with your insurance agent and ask about which discounts they offer, since they vary quite a bit from carrier to carrier.