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

Quick Facts

• A Mercedes-Benz GLK is more expensive to insure than the average SUV.
• Liability only auto insurance premiums for a GLK average around $72 a month, while full coverage typically averages about $167 per month.
• The most affordable insurance company for a GLK is Ohio Mutual, who offers GLK owners rates as low as just $24 a month.

GLK Overview

With 2015 models starting at $37,900, the Mercedes-Benz GLK is a great choice for a mid-level SUV. There are three different trim levels currently available, so there's an option for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Mercedes-Benz GLK insurance prices are around $146 monthly, on average. How do auto insurance rates for the GLK stack up against other similar SUVs?

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

You can see in the table above that compared to other vehicles, Mercedes-Benz GLK insurance prices are right about average. On average, GLK drivers can expect to pay around $72 per month for liability insurance, and about $167 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When compared to other Mercedes-Benz models, the GLK is more affordable, with premiums around 13% lower than the rest of the automaker's vehicle lineup. Compared to SUV offerings from other brands, car insurance for a GLK runs close to average, with full coverage insurance prices coming in at 11% higher than other SUVs and liability insurance rates at 10% cheaper.

When compared to all vehicles, regardless of make, body style, or model, the GLK follows a similar pattern of having average insurance premiums.

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

If you're in the market for a new car insurance policy for your Mercedes-Benz GLK, you most likely want to know which carrier offers the lowest premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $23 per month from ACG. With car insurance as cheap as just $24 monthly, Hugo is the next lowest insurance company.

Ohio Mutual, Fiesta, and Foremost finish off the rest of the top 5. 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.

Auto insurance carriers take a multitude of different variables into consideration when offering you premiums. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a whole bunch of auto insurance companies.

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

As we mentioned above, there are a whole range of factors that car insurance carriers reference to decide how much they charge you for auto insurance -- and each carrier weighs certain attributes more than others, so there's not just one company that's the lowest for everyone.

The sections below show multiple things insurance companies use to calculate rates:

Vehicle Age

The Mercedes-Benz GLK has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

A new Mercedes-Benz GLK 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 cheapest Mercedes-Benz GLKs to insure are those that are 2 to 3 years old, while the most expensive models are GLKs that are 11 to 14 years old, on average.

Your Age

Age is another factor that makes a difference in how much auto insurance carriers will charge. Based on the information in the table above, drivers under 24 pay more expensive prices compared to drivers who have more experience. In this case, drivers 18 to 24 pay $65 more than those 25 or older.

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

Your Gender

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

Where You Live

You're probably already aware that variables like what vehicle you drive and how old you are play a role in your auto insurance rates, but did you know that where you live is equally important? Because insurance is regulated on a state-by-state basis, premiums shift quite a bit depending on which state you're located in.

For example, the average Mercedes-Benz GLK driver in New York pays around $211 per month for liability coverage, while the same Californian owner will pay only a quarter of that price, on average. The chart above shows average rates 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 GLK Car Insurance Discounts

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

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:

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

But these aren't the only discounts insurance companies offer to their customers. Often, it's actually your driving record and insurance profile that get you the lowest rates.

While you can't control every variable car insurance carriers examine to calculate premiums (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 factors you can use to your favor in order to save money on insurance:

Your Driving Record

You've most likely noticed ads from auto insurance companies posting hefty savings for safe drivers. It should be no surprise that your car insurance rates will increase if you get into an accident or get a ticket for speeding. But exactly how much will these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost GLK drivers less than tickets, but both will cause a significant increase in rates. Mercedes-Benz GLK drivers with a single accident on their record pay an average of $85 each month (up $13 from the $72/mo. overall average), while drivers with one ticket will pay about $105 a month. Those with more than one 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 insurance prices. Those who drive less have fewer opportunities to get into an accident, so they'll generally get more affordable premiums. In the table above, you can see that Mercedes-Benz GLK owners who drive between 5,000 and 7,500 miles every year pay an average of $58 monthly for car insurance, while those who put less than 2,500 miles on their cars pay $80.

If you don't drive much because have a second vehicle or you work from home, it may be worth reviewing pay-per-mile or usage-based auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Mercedes-Benz GLKs Compare to Other Vehicles?

If you're thinking about purchasing a Mercedes-Benz GLK, it might be helpful to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Mercedes-Benz GLK stacks up:

Overall, the Mercedes-Benz GLK has an average MSRP and is on par with the going rate for a new vehicle. The GLK starts at $37,900, close to the national average vehicle MSRP of $40,098. And since it's been a few years since a new GLK model has been on the market, used prices are going to be even cheaper.

Likewise, insurance rates run right about average when compared to the rest of the vehicle market. Liability insurance for a Mercedes-Benz GLK is about $3 per month more than average, while full coverage is per month.

When it comes to usage, Mercedes-Benz GLK drivers are much higher than the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the GLK's 13,124 each year.

Mercedes-Benz GLK 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 GLK. But if you're considering purchasing a new GLK, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2015 Mercedes-Benz GLK Car Insurance

2015 Mercedes-Benz GLK drivers can expect to pay an average of $84 a month for liability or $169 for full coverage.

If you're looking for the lowest possible 2015 Mercedes-Benz GLK insurance policy, Clearcover offered the most affordable policy we found, with rates as little as $28 monthly.

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

2014 Mercedes-Benz GLK Car Insurance

The average cost to insure a 2014 GLK with liability only coverage is $77 per month, while full coverage runs around $188 monthly.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as $32 a 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.

2013 Mercedes-Benz GLK Car Insurance

On average, drivers who own a 2013 Mercedes-Benz GLK can expect to pay $68 to $161 per month for liability only and full coverage auto insurance, respectively.

With premiums as little as just $19 monthly, StateAuto offered the lowest policy we found.

Want to know just how much you'll pay? Get several free customized quotes by just entering your ZIP code below.

2012 Mercedes-Benz GLK Car Insurance

You can expect full coverage for a 2012 GLK to run about $175 per month, while liability only coverage will average around $77 a month.

Elephant has rates sometimes as cheap as $28 monthly for the 2012 Mercedes-Benz GLK.

These average prices are a great starting point if you're in the market for a 2012 Mercedes-Benz GLK, but there are a range of 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.

2011 Mercedes-Benz GLK Car Insurance

It costs about $65 per month for liability or $163 for a full coverage policy for the 2011 Mercedes-Benz GLK.

With premiums sometimes as low as $22 a month, Infinity offered the most affordable policy we found for the 2011 Mercedes-Benz GLK.

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

2010 Mercedes-Benz GLK Car Insurance

You can expect full coverage for a 2010 GLK to run around $149 per month, while liability only coverage will average about $71 a month.

We found Liberty Mutual offered the cheapest policy, with rates as low as $23 monthly.

Want to find the lowest rates? Just enter your ZIP code below to get a variety of free customized quotes.

Mercedes-Benz GLK Insurance FAQs

Is a Mercedes-Benz GLK expensive to insure?

When compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $72 a month, while full coverage will cost you around $167.

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

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

Does the color of my Mercedes-Benz GLK affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. Although there are lots of things car insurance carriers use when they offer you a premium, your vehicle's color is not one of them.

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

You'll need to have valid auto insurance for your GLK before you can legally drive your it off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the easiest thing to do is to let your insurance carrier know ahead of time.

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

There are a wide array of different discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Mercedes-Benz GLK you drive, but if your GLK 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 get in touch with your insurance company and ask about their list of discounts, since they change quite a bit from company to company.