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

Quick Facts

• A Mercedes-Benz GLS is more expensive to insure compared to the average SUV.
• Liability insurance for a GLS comes in at around $103 a month, while full coverage normally tends to be about $197.
• At as cheap as just $18 per month for liability only coverage, Shelter Mutual is the lowest auto insurance carrier for a GLS.

GLS Overview

With 2022 models starting at $76,000, the Mercedes-Benz GLS is a high-end vehicle that is more expensive than your average SUV.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Mercedes-Benz GLS auto insurance premiums run around $181 monthly. How do car insurance rates for the GLS compare to prices of other similar SUVs?

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

Based on the table above, compared to other vehicles, Mercedes-Benz GLS insurance rates are higher than average. On average, GLS owners will pay about $197 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $103 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other models, the GLS is matches the other vehicles in Mercedes-Benz's lineup. But GLS coverage is higher than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive prices than other SUVs.

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

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

Are you searching for a car insurance policy for your Mercedes-Benz GLS? You may want to know which company offers the cheapest rates. While there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $18 a month from Shelter Mutual. With car insurance sometimes as little as $30 monthly, Gainsco is the next cheapest insurance company.

Finishing off the rest of the top 5 are Safeco, Mercury, and Infinity. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a range of different variables into consideration when calculating how much to charge you. By analyzing quotes from numerous car insurance companies at once, you can guarantee you're finding the most affordable rate.

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

There are a whole bunch of things that auto insurance carriers examine to calculate how much to charge for a policy -- and every carrier weighs certain attributes more than others, so there's not just one company that's the lowest for everyone.

The following sections show a wide array of factors insurance companies use to determine rates:

Vehicle Age

The Mercedes-Benz GLS has been around for a few years -- that means vehicle age may play a role in what you end up paying for auto insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go down.

According to the table above, the Mercedes-Benz GLS follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are GLSs that are 4 to 5 years old, on average.

Your Age

Age makes a significant difference in how much you pay for insurance. In the table above, you'll see that young GLS drivers have cheaper premiums than older GLS drivers.

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

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. The Mercedes-Benz GLS is no different, and women pay around $59 a month for car insurance and men pay about $135. However, due to the limited amount of GLS data, this pricing may not be representative of the prices you may see.

Where You Live

It may be obvious that variables like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live can have just as much as an impact? Car insurance is regulated on the state level rather than nationally, so rates shift quite a bit from state to state.

For example, the average Mercedes-Benz GLS owner from New York pays around $177 per month for liability coverage, while on average, the same Californian driver will pay only 25% of that price.

Mercedes-Benz GLS Car Insurance Discounts

Whatever which vehicle you drive, what state you call home, or how old you are, it's always in your best interest to take advantage of as many car insurance discounts as possible.

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

• Multi-car discounts for having several vehicles on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from 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 than average safety ratings

These are just a few of the discounts car insurance companies offer, and 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.

You obviously can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but you can influence some of it. 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. It should be no surprise that if you get speeding tickets or get into an accident, auto insurance rates will go up. But exactly how much is it going to cost you for these infractions?

You can see from the table above that accidents will usually cost GLS drivers more than tickets, but both will cause a significant increase in rates. The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Another variable that affects your insurance prices is the total distance you drive annually. Drivers who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for car insurance. In the above table, you can see that Mercedes-Benz GLS owners who drive between 7,500 and 10,000 miles pay $138 for auto insurance, while those who drive more than 10,000 miles each year pay an average of $35 a month.

But if you don't use your Mercedes-Benz GLS to travel or commute regularly, you might consider getting a usage-based or pay-per-mile car insurance policy. With these policies, 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 GLSs Compare to Other Vehicles?

If you're considering making a Mercedes-Benz GLS your next vehicle, it might be helpful to do your research. Insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

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

With an MSRP that's a quarter more than the going rate for a new vehicle, the Mercedes-Benz GLS is on the more expensive side when it comes to price. The GLS has an MSRP of $76,000, a bit higher than the national average vehicle price of $46,192.

Full coverage insurance for a Mercedes-Benz GLS is about $149 per month more than average, while liability only coverage is per month.

When it comes to usage, Mercedes-Benz GLS drivers are much lower than the national average in annual miles driven, with 6,854 miles a year compared to 11,617 for all vehicles.

Mercedes-Benz GLS Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays to insure a Mercedes-Benz GLS. If you're thinking about buying a new vehicle and the GLS is one you're considering, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

2020 Mercedes-Benz GLS Car Insurance

It costs around $56 monthly for liability or $224 for a full coverage policy for the 2020 GLS.

MetroMile offered the lowest policy we found, with rates as cheap as $56 per month.

If you want to find the best prices for car insurance for a 2020 Mercedes-Benz GLS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2019 Mercedes-Benz GLS Car Insurance

The average cost to insure a 2019 Mercedes-Benz GLS with liability only coverage is $57 a month, while full coverage runs about $187 monthly.

If you're looking for the cheapest possible 2019 Mercedes-Benz GLS insurance policy, Mercury offered the cheapest policy we found, with rates as low as $29 a month.

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

2018 Mercedes-Benz GLS Car Insurance

2018 GLS drivers can expect to pay an average of $154 monthly for liability or $154 for full coverage.

With premiums sometimes as cheap as $18 per month, Shelter Mutual offered the most affordable policy we found.

Want to know exactly what your auto insurance price will be? Just enter your ZIP code below to get multiple personalized quotes for free.

2017 Mercedes-Benz GLS Car Insurance

You can expect full coverage for a 2017 Mercedes-Benz GLS to run around $202 monthly, while liability only coverage will average about $107 per month.

With rates as little as $30 a month, Gainsco offered the lowest policy we found for the 2017 Mercedes-Benz GLS.

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.

Mercedes-Benz GLS Insurance FAQs

Is a Mercedes-Benz GLS expensive to insure?

Liability insurance runs an average of $103 per month, while full coverage will cost you around $197. Compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.

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

There's only one way to make sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from lots 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 prices from a variety of 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 GLS affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. There are an array of variables insurance companies consider when they calculate your rates, but the color of your Mercedes-Benz GLS isn't one of them.

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

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a an SUV is to talk with your insurance carrier ahead of time.

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

There are a wide array of different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your GLS and more on you, but if your GLS has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their list of discounts.