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

Quick Facts

• A Mercedes-Benz R-Class costs more than most other SUVs to insure.
• Full coverage for a R-Class normally tends to be about $186 a month, while liability only insurance premiums tend to be around $89 monthly.
• At sometimes as cheap as $48 a month for liability only coverage, Workmens is the cheapest car insurance company for a R-Class.

R-Class Overview

With base prices starting at $53,840 for 2012 models, the Mercedes-Benz R-Class is a high-end car for drivers with extra room in their budgets. With two different trim levels currently offered, there's something there for every driver.

We sifted through thousands of auto insurance quotes on Compare.com, and we've determined that average Mercedes-Benz R-Class insurance rates run about $148 monthly. But where does that fall compared to the rest of the market?

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

If you look at the table above, you'll find that when you compare the Mercedes-Benz R-Class to other vehicles, insurance prices are above average. R-Class drivers can expect to pay around $89 per month for liability insurance, and about $186 a month 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).

When you compare it to other models, the R-Class is on par with the other vehicle types offered by Mercedes-Benz. However, R-Class 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 premiums than other SUVs.

Overall, they're just more expensive to insure than the average vehicle, no matter which model, make, or body style you compare it to.

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

If you're browsing for an auto insurance policy for a Mercedes-Benz R-Class, you most likely want to know which carrier offers the lowest premiums. Although rates can change quite dramatically depending on your driver profile, Mile Auto provides the lowest average rates for liability only coverage, with rates as low as just $22 per month. The next most affordable company is Foremost, who offers auto insurance as low as $43 monthly.

Rounding out the list are AnswerFinancial, Workmens, and MetroMile. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mercedes-Benz R-Class.

After all, insurance companies look at many variables when calculating premiums, so your results might be different. There's only one way to make sure you find the lowest possible rates, and that's by analyzing quotes from quite a few car insurance carriers.

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

As we mentioned above, there are a whole range of things that auto insurance companies consider to decide how much they charge -- and each carrier weighs different factors more heavily than others, so there's not just one company that's the most affordable for every driver.

The sections below show a lot of factors car insurance carriers use to calculate rates:

Vehicle Age

The Mercedes-Benz R-Class has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

A new Mercedes-Benz R-Class 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 R-Classes to insure are those that are 8 to 10 years old, while the most expensive models are R-Classes that are 6 to 7 years old, on average.

Your Age

How old you are makes a difference in how much you pay for auto insurance. Based on the information above, young R-Class drivers have higher prices than older R-Class drivers. In this case, drivers aged 18 to 24 pay $46 more than those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 25-34 making up the cheapest age group for the R-Class.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. When it comes to R-Class drivers specifically, men pay around $5 more than women a month for car insurance.

Where You Live

You might already know that things such as how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live matters, too? Since car insurance is regulated on the state level rather than nationally, prices can fluctuate quite a bit depending on which state you're located in.

For example, the average Mercedes-Benz R-Class driver in New York pays about $219 monthly for liability coverage, while on average, the same owner in California will pay only a quarter of that price.

Mercedes-Benz R-Class Car Insurance Discounts

No matter what state you live in, how old you are, or what car you drive, it's always important to take advantage of as many auto insurance discounts as possible.

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

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than by monthly payments
• Multi-car discounts for insuring more than one of your vehicles with the same carrier

But these aren't the only discounts auto insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you may not be able to control every factor insurance companies take a look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

You've probably observed ads from car insurance carriers posting big savings for responsible drivers. It follows that if you get into a collision or get speeding tickets, auto insurance prices will get higher. But how much will they cost you?

You can see from the table above that accidents will usually cost R-Class drivers more than tickets, but both will result in higher than normal rates. Mercedes-Benz R-Class drivers with a single ticket will pay an average of $104 per month, while drivers with one accident on their record pay about $120 per month (up $31 from the $89/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that plays a big role in your insurance rates is the amount of miles you drive. Those who drive less have fewer opportunities to get into an accident, so they'll usually end up paying less for auto insurance. Based on the table above, you can see that Mercedes-Benz R-Class owners who drive 10,000 miles or more pay $92 for insurance, while those who drive fewer than 2,500 miles a year pay about $72 monthly.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about usage-based or pay-per-mile car 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 R-Classes Compare to Other Vehicles?

If you're thinking about buying a new SUV and a Mercedes-Benz R-Class is on your shortlist, it might be helpful to do your research. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering.

Visit the table below to see how the Mercedes-Benz R-Class compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Mercedes-Benz R-Class is on the more expensive side when it comes to price. While the national average vehicle MSRP is $37,225, the R-Class comes in above that at $53,840. And since there hasn't been a new R-Class model on the market recently, used prices will be even lower.

Similarly, insurance premiums run above average when compared to other vehicles on the market. Liability insurance for a Mercedes-Benz R-Class is around $104 per month more than average, while full coverage is over $50 more per month.

When it comes to usage, Mercedes-Benz R-Class drivers are much higher than the national average in annual miles driven, with 12,810 miles each year compared to 11,617 for all vehicles.

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

We've walked through many of the factors that can affect how much you might pay for auto insurance. If you're considering buying a new vehicle and the R-Class is one you're thinking about, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.

2012 Mercedes-Benz R-Class Car Insurance

On average, drivers who own a 2012 Mercedes-Benz R-Class can expect to pay $185 to $284 a month for liability only and full coverage auto insurance, respectively.

Elephant has prices as cheap as $152 per month for the 2012 Mercedes-Benz R-Class.

Want to know exactly what your insurance price will be? Enter your ZIP code below to get several customized quotes for free.

2011 Mercedes-Benz R-Class Car Insurance

You can expect full coverage for a 2011 R-Class to run about $134 a month, while liability only coverage will average around $74 monthly.

We found PlymouthRockNJ offered the cheapest policy, with rates sometimes as little as $71 per month.

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

2010 Mercedes-Benz R-Class Car Insurance

It costs about $126 a month for liability or $229 for a full coverage policy for the 2010 Mercedes-Benz R-Class.

Looking for the most affordable policy? Mercury offered liability only coverage for as cheap as just $43 monthly.

While these are good estimates of what the average driver might pay to insure a 2010 Mercedes-Benz R-Class, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2009 Mercedes-Benz R-Class Car Insurance

2009 R-Class drivers can expect to pay an average of $103 a month for liability or $161 for full coverage.

With premiums as little as just $32 monthly, MetLife offered the lowest policy we found.

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

2008 Mercedes-Benz R-Class Car Insurance

The average cost to insure a 2008 Mercedes-Benz R-Class with liability only coverage is $88 per month, while full coverage runs around $223 monthly.

With prices as little as $22 a month, Liberty Mutual offered the cheapest policy we found for the 2008 Mercedes-Benz R-Class.

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.

2007 Mercedes-Benz R-Class Car Insurance

2007 R-Class drivers can expect to pay an average of $93 per month for liability or $158 for full coverage.

If you're looking for the cheapest possible 2007 Mercedes-Benz R-Class insurance policy, Mile Auto offered the lowest policy we found, with rates sometimes as low as $22 a month.

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

2006 Mercedes-Benz R-Class Car Insurance

On average, drivers who own a 2006 Mercedes-Benz R-Class can expect to pay $78 to $166 monthly for liability only and full coverage auto insurance, respectively.

Mapfre offered the most affordable policy we found, with rates as little as $35 per month.

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

Mercedes-Benz R-Class Insurance FAQs

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

The Mercedes-Benz R-Class is relatively expensive to insure compared to the average SUV. Liability insurance runs an average of $89 a month, while full coverage will cost you around $186.

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

The only way to confirm you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from several companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple 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 R-Class affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. There are lots of things insurance companies consider when they decide how much your policy will be, but the color of your car is not factored into that decision.

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

Before you can legally drive your new (or new to you) Mercedes-Benz R-Class off the dealership lot, you'll need to have a valid car insurance policy. Some dealerships will offer you a car 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 auto insurance carrier ahead of time.

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

You will find a variety of different discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the R-Class you drive, but if your R-Class 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 may qualify for, contact your insurance company and ask about their list of discounts, since they differ quite a bit from carrier to carrier.