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

Quick Facts

• It costs more to insure a Mercedes-Benz E-Class than the average car.
• Liability only insurance prices for an E-Class tend to be around $81 per month, while full coverage usually comes in at about $200 a month.
• Commonwealth Casualty provides the lowest average premiums for an E-Class with liability only coverage offered for as little as just $37 per month.

E-Class Overview

The Mercedes-Benz E-Class is a high-end car for drivers with extra room in their budgets, with base prices starting at $54,250 for 2021 models. There are eight different trim levels currently available, so there's a style for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Mercedes-Benz E-Class auto insurance rates run around $215 monthly, on average. Compared to other vehicles in the market, how do E-Class car insurance premiums stack up?

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

Looking at the table above, you can see that compared to other vehicles, Mercedes-Benz E-Class insurance rates are higher than average. E-Class owners typically pay about $81 a month for liability insurance, and around $200 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Compared to other Mercedes-Benz models, the E-Class's insurance price is in line with the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, insurance for an E-Class runs close to average, with liability insurance prices $2 cheaper than other cars and full coverage insurance premiums coming in $23 higher.

When compared to all vehicles, regardless of body style, model, or make, full coverage rates are more expensive for the E-Class, but a liability only policy is on the slightly cheaper side.

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

If you're looking for a car insurance policy for a Mercedes-Benz E-Class, you might be wondering which company offers the lowest prices. Although prices can change dramatically depending on your driver profile, StateAuto and and Shelter Mutual offer the cheapest average rates for liability only coverage, with rates as little as $31 a month.

Completing the top 5 carriers are AnswerFinancial, Commonwealth Casualty, and Mile Auto. However, 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 E-Class.

After all, auto insurance carriers look at a multitude of things when calculating premiums, so your results might be different. By reviewing quotes from many insurance companies at once, you can rest easy knowing that you're finding the most affordable rate.

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

As we mentioned above, there are a multitude of variables that auto insurance carriers reference to determine how much they charge for a policy -- and each carrier weighs certain factors more than others, so there's not a single company that's the lowest for every E-Class driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Mercedes-Benz E-Class has been around for a while, so vehicle age will likely play a big role in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

From the table above, you can see the Mercedes-Benz E-Class is inline with this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are E-Classes that are 2 to 3 years old, on average.

Your Age

Age plays a role in how much you pay for auto insurance. Based on the information above, young E-Class drivers pay more compared to those who have more experience on the road. In this case, drivers under 18 pay $81 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the E-Class.

Your Gender

Did you know women tend to pay less for insurance than men? This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. The Mercedes-Benz E-Class follows this convention, and men pay about $12 more than women per month for car insurance.

Where You Live

It may seem like common sense that variables like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live can be equally important? Because car insurance is regulated on the state level rather than nationally, rates can differ quite a bit from state to state.

For example, the average Mercedes-Benz E-Class owner in New York pays around $225 a month for liability coverage, while the same driver from California will pay only a quarter of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

Mercedes-Benz E-Class Car Insurance Discounts

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

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than by monthly payments
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Defensive driving discounts for taking a defensive driving class from a certified school or institution

There are lots of other discounts out there for saving money on your insurance.

Even though you can't control every factor car 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 things you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that insurance carriers offer the cheapest premiums to drivers with clean records. And you're probably not surprised to hear that if you get a ticket for speeding or get into an accident, auto insurance prices will go up. But exactly how much can these infractions cost you?

Based on the table above, accidents will usually cost E-Class drivers more than tickets, but both will cause a significant increase in rates. Mercedes-Benz E-Class drivers with a single accident on their record pay about $104 per month (up $23 from the $81/mo. overall average), while drivers with one ticket will pay an average of $84 monthly. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive plays a big role when it comes to your car insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll normally end up spending less on auto insurance. Based on the table above, you can see that Mercedes-Benz E-Class owners who drive fewer than 2,500 miles each year pay about $68 per month for insurance, while those who put 10,000 miles or more on their cars pay $83.

But if you don't drive much because you work from home or have a second vehicle, it may be worth learning about pay-per-mile or usage-based car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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

If you're thinking about purchasing a new vehicle and a Mercedes-Benz E-Class is on your shortlist, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Review the table below to see how the Mercedes-Benz E-Class stacks up:

As you can see, the Mercedes-Benz E-Class is right on par with the average vehicle price here in the U.S. The E-Class has a base price of $54,250, close to the national average vehicle MSRP of $46,296.

Although the E-Class has a pretty average price, auto insurance prices run above average when compared to the rest of the vehicle market. Liability insurance for a Mercedes-Benz E-Class is about $29 per month more than average, while full coverage is over $50 more a month.

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

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

We've walked through many of the factors that can affect how much the average driver pays for insurance. But if you're in the market for a new car, truck, or SUV and the E-Class is on your wishlist, knowing what you'll likely pay is extremely valuable as you weigh your choices.

2021 Mercedes-Benz E-Class Car Insurance

On average, drivers who own a 2021 Mercedes-Benz E-Class can expect to pay $110 to $264 per month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? DirectGeneral offered liability only coverage for as cheap as $32 monthly.

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

2020 Mercedes-Benz E-Class Car Insurance

It costs around $41 a month for liability or $239 for a full coverage policy for the 2020 E-Class.

SafeAuto offered the most affordable policy we found, with rates as low as just $29 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.

2019 Mercedes-Benz E-Class Car Insurance

The average cost to insure a 2019 Mercedes-Benz E-Class with liability only coverage is $82 per month, while full coverage runs about $192 monthly.

With prices sometimes as low as $25 a month, Mercury offered the cheapest policy we found for the 2019 Mercedes-Benz E-Class.

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

2018 Mercedes-Benz E-Class Car Insurance

2018 E-Class drivers can expect to pay an average of $80 per month for liability or $207 for full coverage.

Mercury has premiums as cheap as just $29 a month for the 2018 Mercedes-Benz E-Class.

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.

2017 Mercedes-Benz E-Class Car Insurance

You can expect full coverage for a 2017 Mercedes-Benz E-Class to run around $257 monthly, while liability only coverage will average about $118 per month.

We found Mercury offered the most affordable policy, with rates sometimes as cheap as $25 a month.

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

2016 Mercedes-Benz E-Class Car Insurance

The average cost to insure a 2016 E-Class with liability only coverage is $139 monthly, while full coverage runs around $228 per month.

With rates sometimes as little as $25 a month, Commonwealth Casualty offered the cheapest policy we found.

Want to find the best rates? Get a variety of free personalized quotes by just entering your ZIP code below.

2015 Mercedes-Benz E-Class Car Insurance

On average, drivers who own a 2015 Mercedes-Benz E-Class can expect to pay $82 to $204 per month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2015 Mercedes-Benz E-Class insurance policy, Elephant offered the lowest policy we found, with rates as low as $22 monthly.

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

2014 Mercedes-Benz E-Class Car Insurance

You can expect full coverage for a 2014 E-Class to run about $199 a month, while liability only coverage will average around $77 per month.

With premiums as cheap as $19 monthly, Safeco offered the cheapest policy we found for the 2014 Mercedes-Benz E-Class.

What will your insurance rate be? Just enter your ZIP code below to get several customized quotes for free.

2013 Mercedes-Benz E-Class Car Insurance

2013 Mercedes-Benz E-Class drivers can expect to pay an average of $83 a month for liability or $192 for full coverage.

We found MetLife offered the most affordable policy, with rates sometimes as cheap as $19 monthly.

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

2012 Mercedes-Benz E-Class Car Insurance

It costs about $79 per month for liability or $185 for a full coverage policy for the 2012 E-Class.

With prices as little as just $21 monthly, SafeAuto offered the lowest policy we found.

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

2011 Mercedes-Benz E-Class Car Insurance

The average cost to insure a 2011 Mercedes-Benz E-Class with liability only coverage is $79 per month, while full coverage runs around $180 a month.

Clearcover offered the most affordable policy we found, with rates as cheap as just $21 per month.

Want to know exactly what your auto insurance price will be? Get lots of customized quotes for free by just entering your ZIP code below.

2010 Mercedes-Benz E-Class Car Insurance

On average, drivers who own a 2010 E-Class can expect to pay $77 to $182 monthly for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Elephant offered liability only coverage for sometimes as little as $19 a month.

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

Mercedes-Benz E-Class Insurance FAQs

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

The Mercedes-Benz E-Class is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $81 monthly, while full coverage will cost you around $200.

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

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and comparing quotes from a whole range of companies. 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 rates from numerous carriers 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 E-Class affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's simply not true. While there are several things insurance companies look at when they decide how much to charge for auto insurance, your car's color is not factored into that decision.

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

You'll need to have valid insurance for your E-Class before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a a new car is to talk with your car insurance carrier beforehand.

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

There are a variety of different discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Mercedes-Benz E-Class you drive, but if your E-Class has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance company and ask about their list of discounts, since they shift quite a bit from company to company.