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

Quick Facts

• It costs more to insure a Mercedes-Benz ML than the average SUV.
• Liability only car insurance premiums for a ML average around $82 monthly, while full coverage typically tends to be about $157 a month.
• At sometimes as cheap as $46 per month for liability only coverage, Sun Coast is the cheapest insurance company for a ML.

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ML Overview

The Mercedes-Benz ML is a high-end car for drivers with extra room in their budgets, with 2015 models starting at $48,300. With six different trim levels currently offered, there's a style for every driver.

Based on reviewing thousands of auto insurance quotes from Compare.com, we've determined that average Mercedes-Benz ML car insurance prices run around $144 monthly. Where does that fall compared to the rest of the market?

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

Looking at the table above, you'll find that auto insurance rates for a Mercedes-Benz ML are about average compared to other vehicles on the road. ML owners can expect to pay around $82 a month for liability insurance, and about $157 per 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).

Compared to other Mercedes-Benz models, the ML is more affordable, with premiums more than 10% lower than the rest of the company's vehicle lineup. However, ML coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive prices than other SUVs.

When compared to all vehicles, regardless of make, body style, or model, the ML has higher rates than average for both liability only and full coverage insurance.

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

If you're in the market for an auto insurance policy for a Mercedes-Benz ML, you most likely want to know which carrier offers the lowest prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $41 per month from Hugo. The next lowest company is Verti, who offers auto insurance sometimes as little as $43 a month.

CaliforniaCasualty, Sun Coast, and Encompass finish off the rest of the top 5. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a wide array of different things into consideration when offering you premiums. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from quite a few car insurance carriers.

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

As we mentioned above, there are many variables that insurance companies use to determine how much they charge you -- and each carrier weighs different pieces more heavily than others, so there's not just one company that's the lowest for every driver.

Keep reading to learn which factors car insurance carriers look at and how they affect your final rate:

Vehicle Age

Mercedes-Benz has been making the ML for quite some time, so the car's age may play a big role in how much you'll pay for auto insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and MLs continue to depreciate, insurance costs will gradually decrease.

A new Mercedes-Benz ML model hasn't been added to the market for over 5 years, so the ML won't really fit this trend. However, as you can see in the table above, the cheapest Mercedes-Benz MLs to insure are those that are 1 year old or less, while the most expensive models are MLs that are 11 to 14 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much insurance companies will charge for car insurance. Based on the information above, drivers under 18 pay more for insurance than those with more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the ML.

Your Gender

Did you know women tend to pay less for auto 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 ML follows this convention, and women pay around $3 less than men monthly for car insurance.

Where You Live

You may already know that things like how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live has just as much of an impact. Since auto insurance is regulated on the state level rather than nationally, rates fluctuate quite a bit depending on what state you reside in.

For example, the average Mercedes-Benz ML driver in New York pays about $195 a month for liability coverage, while on average, the same owner in California will pay less than half of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

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Mercedes-Benz ML Car Insurance Discounts

No matter which vehicle you drive, how old you are, or what state you call home, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

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

• Multi-car discounts for adding more than one vehicle to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

There are countless ways to save money on your insurance if you know where to look. 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.

While you don't have control over every variable auto insurance carriers consider to calculate prices (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 ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

It's no secret that insurance companies offer the most affordable premiums to drivers with a history of responsible driving. And you probably wouldn't be surprised that your car insurance rates will go up if you get tickets or get into an accident. But you're probably wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost ML drivers more than tickets, but both will cause a significant increase in rates. Mercedes-Benz ML drivers with a single ticket will pay about $88 monthly, while drivers with one accident on their record pay an average of $98 every month (up $16 from the $82/mo. overall average). Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that plays a role in your auto insurance premiums is the total amount of miles you drive each year. Those who are on the roads less are more likely to go accident-free, so they'll usually get less expensive prices. In the table above, you can see that Mercedes-Benz ML owners who drive fewer than 2,500 miles each year pay about $66 per month for car insurance, while those who put 10,000 miles or more on their cars pay $85.

But if you don't use your Mercedes-Benz ML to travel or commute regularly, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Mercedes-Benz MLs Compare to Other Vehicles?

If you're thinking about buying a new SUV and a Mercedes-Benz ML is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

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

Overall, the Mercedes-Benz ML has an MSRP that's in line with the going rate for a new vehicle. The national average vehicle MSRP is $40,098, and the ML comes in close to that at $48,300. And since there hasn't been a new ML model on the market recently, used prices will be even lower.

Although the purchase price is right in the middle of the spectrum, car insurance premiums run slightly below average when compared to other vehicles on the market. Liability insurance for a Mercedes-Benz ML is, while full coverage is $15 less a month.

When it comes to usage, Mercedes-Benz ML owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles a year compared to the ML's 10,447 per year.

Mercedes-Benz ML Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on what you'll pay for auto insurance. If you're in the market for a new car, truck, or SUV and the ML is on your wishlist, knowing what you'll likely pay can be extremely helpful as you weigh your choices.

Choose Your Model

2015 Mercedes-Benz ML Car Insurance 2014 Mercedes-Benz ML Car Insurance 2013 Mercedes-Benz ML Car Insurance 2012 Mercedes-Benz ML Car Insurance 2011 Mercedes-Benz ML Car Insurance 2010 Mercedes-Benz ML Car Insurance 2009 Mercedes-Benz ML Car Insurance 2008 Mercedes-Benz ML Car Insurance 2007 Mercedes-Benz ML Car Insurance 2006 Mercedes-Benz ML Car Insurance 2005 Mercedes-Benz ML Car Insurance 2004 Mercedes-Benz ML Car Insurance 2003 Mercedes-Benz ML Car Insurance

2015 Mercedes-Benz ML Car Insurance

The average cost to insure a 2015 Mercedes-Benz ML with liability only coverage is $81 per month, while full coverage runs around $154 monthly.

Elephant has prices as cheap as $23 per month for the 2015 Mercedes-Benz ML.

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

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2014 Mercedes-Benz ML Car Insurance

It costs about $75 a month for liability or $174 for a full coverage policy for the 2014 ML.

We found MetLife offered the lowest policy, with rates as little as just $24 monthly.

Want to know just 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 numerous personalized quotes from the nation's top insurance carriers.

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2013 Mercedes-Benz ML Car Insurance

2013 Mercedes-Benz ML drivers can expect to pay an average of $93 a month for liability or $180 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for as low as $21 per 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.

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2012 Mercedes-Benz ML Car Insurance

You can expect full coverage for a 2012 ML to run around $159 monthly, while liability only coverage will average about $95 per month.

With rates as low as just $32 a month, Infinity offered the most affordable policy we found for the 2012 Mercedes-Benz ML.

Want to find the cheapest rates? Just enter your ZIP code below to get multiple personalized quotes for free.

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2011 Mercedes-Benz ML Car Insurance

On average, drivers who own a 2011 Mercedes-Benz ML can expect to pay $87 to $136 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2011 Mercedes-Benz ML insurance policy, MetLife offered the lowest policy we found, with rates sometimes as low as $23 per month.

If you want to find the best premiums for car insurance for a 2011 Mercedes-Benz ML, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Mercedes-Benz ML Car Insurance

2010 ML drivers can expect to pay an average of $94 a month for liability or $195 for full coverage.

With prices as cheap as just $26 monthly, Shelter Mutual offered the most affordable policy we found.

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

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2009 Mercedes-Benz ML Car Insurance

The average cost to insure a 2009 Mercedes-Benz ML with liability only coverage is $92 per month, while full coverage runs around $170 monthly.

MetLife offered the lowest policy we found, with rates as little as $29 a month.

Interested in what your insurance price will be? Enter your ZIP code below to get a variety of personalized quotes for free.

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2008 Mercedes-Benz ML Car Insurance

On average, drivers who own a 2008 ML can expect to pay $75 to $163 per month for liability only and full coverage car insurance, respectively.

With premiums as low as $19 a month, MetLife offered the cheapest policy we found for the 2008 Mercedes-Benz ML.

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

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2007 Mercedes-Benz ML Car Insurance

You can expect full coverage for a 2007 Mercedes-Benz ML to run about $159 monthly, while liability only coverage will average around $90 a month.

Looking for the most affordable policy? Clearcover offered liability only coverage for sometimes as cheap as $25 per month.

While these are good estimates of what the average driver might pay to insure a 2007 Mercedes-Benz ML, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2006 Mercedes-Benz ML Car Insurance

It costs about $88 monthly for liability or $159 for a full coverage policy for the 2006 ML.

With prices sometimes as low as $23 per month, Liberty Mutual offered the cheapest policy we found.

What could your auto insurance premium look like? Enter your ZIP code below to get lots of customized quotes for free.

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2005 Mercedes-Benz ML Car Insurance

On average, drivers who own a 2005 Mercedes-Benz ML can expect to pay $98 to $145 a month for liability only and full coverage insurance, respectively.

Sun Coast offered the lowest policy we found, with rates sometimes as little as $24 monthly.

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

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2004 Mercedes-Benz ML Car Insurance

You can expect full coverage for a 2004 ML to run around $150 per month, while liability only coverage will average about $91 monthly.

If you're looking for the lowest possible 2004 Mercedes-Benz ML insurance policy, MetroMile offered the most affordable policy we found, with rates as little as $21 a month.

If you want to find the best premiums for car insurance for a 2004 Mercedes-Benz ML, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

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2003 Mercedes-Benz ML Car Insurance

2003 Mercedes-Benz ML drivers can expect to pay an average of $77 per month for liability or $148 for full coverage.

We found Aspire offered the cheapest policy, with rates as cheap as just $24 monthly.

What will your auto insurance price be? Get several free personalized quotes by just entering your ZIP code below.

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Mercedes-Benz ML Insurance FAQs

Is a Mercedes-Benz ML expensive to insure?

Compared to the national average of all vehicles, rates come in on the more expensive end of the spectrum. Liability insurance runs an average of $82 a month, while full coverage will cost you around $157.

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

The only way to confirm you're getting the lowest price on insurance is to regularly shop around and compare quotes from a whole bunch 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 bunch of carriers 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 ML affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. Even though there are a variety of variables car insurance companies examine when they calculate your prices, your ML's color is not factored into that decision.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your insurance carrier beforehand.

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

There are many different discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your ML has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know for sure is to reach out to your insurance company and ask about their list of discounts.