Jerry SummaryMercedes-Benz car insurance costs $396 per month, on average, according to a July 2025 analysis of full coverage auto insurance quotes for Jerry customers. Mercury offers the cheapest coverage at $201 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.
Mercedes-Benz auto insurance costs can vary widely. Here are average costs for a variety of models, the cheapest and best insurers, plus how to shop for Mercedes-Benz car insurance.
Average Mercedes-Benz car insurance costs
The average cost of full coverage Mercedes-Benz car insurance is $396 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $146 per month.
Mercedes-Benz car insurance rates vary depending on the model, its age, your driving record and personal factors like your age and location. Typically, higher-priced vehicles cost more to insure, though that’s not always true. That’s why it’s a good idea to compare car insurance quotes from several insurers when considering a Mercedes-Benz.
Below, you’ll find average full coverage insurance costs for different Mercedes-Benz models, according to Jerry’s analysis.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 300 | $184 |
| Amg Gt | $1,089 |
| B250 | $200 |
| C 250 | $399 |
| C 280 | $193 |
| C 300 | $508 |
| C 350 | $190 |
| C 400 | $276 |
| Cla 250 | $468 |
| Clk 320 | $187 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Mercedes-Benz model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 300 | $79 |
| C 230 | $79 |
| C 250 | $143 |
| C 300 | $189 |
| C 320 | $101 |
| C 400 | $78 |
| Cla 250 | $148 |
| Clk 320 | $79 |
| Cls 550 | $353 |
| E 300 | $224 |
Average cost of Mercedes-Benz car insurance, by state
Car insurance rates differ by state due to varying laws and the fact that every state has its own risk factors, like crime, weather events and the number of uninsured motorists on the road.
For example, full coverage Mercedes-Benz auto insurance in Texas costs an average of $306 per month. In Georgia, the monthly average is $346.
Below are the average full coverage costs of Mercedes-Benz car insurance, by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AR | $283 |
| AZ | $253 |
| CA | $457 |
| CO | $475 |
| CT | $248 |
| DC | $188 |
| DE | $525 |
| FL | $379 |
| GA | $346 |
| IA | $136 |
Factors that affect Mercedes-Benz car insurance costs
Several factors can influence the insurance rates for your Mercedes-Benz, including:
- Safety features: Mercedes-Benz models with advanced safety features, such as the Mercedes-Benz C-Class sedan, E-Class sedan, or GLE SUV (all IIHS Top Safety Pick+ winners), tend to have lower insurance rates.
- Vehicle value: High-end Mercedes-Benz models like the Mercedes-Benz S-Class or AMG SL-Class generally carry higher insurance premiums due to their elevated price tags. More budget-friendly models like the A-Class or GLA 250 may have comparatively lower insurance costs.
- Vehicle class: SUVs like the GLS generally carry higher insurance costs than compact cars like the CLA 250. Factors like size, weight, and safety features specific to the model can influence car insurance premiums.
- Engine size: Mercedes-Benz vehicles with more powerful engines, such as the Mercedes-Benz AMG GT or AMG C63 S, may carry higher insurance premiums due to the increased risk associated with their performance abilities.
- Cost of repairs: Luxury cars often carry higher repair costs due to their advanced features, intricate technology, and high-quality materials. These higher repair costs can contribute to increased insurance premiums.
- Vehicle cost: Mercedes-Benz vehicles, known for their luxury and high-performance characteristics, often carry higher insurance costs for collision and comprehensive coverage due to their higher market value and advanced features.
- Vehicle age: Newer models, particularly those equipped with cutting-edge technology and lower depreciation, may result in higher insurance premiums compared to their older counterparts.
- Cost of parts: Cars with expensive or hard-to-find parts may have higher replacement and repair costs, thereby posing greater risks for insurance companies and subsequently increasing insurance costs.
- Your age: Younger drivers, usually under the age of 25, frequently face higher insurance rates due to their limited driving experience. Similarly, senior drivers aged 70 and above may also see a rise in their insurance rates.
- Credit score: Personal factors such as your credit score can influence your insurance rate. Typically, a higher credit score correlates with lower insurance premiums.
- Your driving record and claims history: Insurers generally offer lower rates to drivers with a clean record. If you have a history of car accidents, traffic tickets, and driving violations, you can expect higher rates.
- Location: Insurance costs can fluctuate depending on where you park your car, as variables such as road conditions, population density, theft rates, and other risk factors vary from one zip code to another.
More: Cheap car insurance
In addition to these general factors, there are a few Mercedes-Benz-specific considerations that may impact the cost of insurance:
- Imports: As Mercedes-Benz vehicles are imported, they might have higher replacement costs compared to domestic models, thus impacting insurance rates.
- Safety: Mercedes-Benz is renowned for its commitment to safety, often scoring high safety ratings across its vehicle lineup. This focus on safety can positively impact insurance costs.
- Reliability: Mercedes-Benz cars are recognized for their reliability and longevity. A lower rate of claims for these vehicles can potentially lead to more reasonable insurance rates.
- Availability: Although Mercedes-Benz is a premium brand, its popularity ensures that parts are widely available. This availability of affordable replacement parts can contribute to keeping insurance rates more reasonable for some models.
Best Mercedes-Benz car insurance
Jerry’s editorial team conducts annual reviews of auto insurers, factoring in complaint data and financial reliability.
Here are the best car insurance companies for 2025, according to our analysis.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
While these companies are good for a lot of drivers, only some are available in every state. Additionally, some companies have better service records in certain states. To see the best car insurance companies in your state, click below.
Click for the best car insurance by state.
Cheapest Mercedes-Benz car insurance
Full coverage
Mercury offers the cheapest full coverage car insurance for Mercedes-Benz, with an average rate of $201 per month.
Below are the cheapest insurance companies for Mercedes-Benz for full coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Mercury | $155 |
| Mendota | $205 |
| Assurance America | $209 |
| Progressive | $225 |
| Electric | $231 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for Mercedes-Benz, with an average rate of $43 per month.
These are the most cost-effective insurance companies for minimum coverage for a Mercedes-Benz, according to Jerry’s analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mendota | $33 |
| Bluefire | $48 |
| Assurance America | $49 |
| Safeco | $53 |
| Clearcover | $70 |
By state
Because each state has its own rules and minimums, the cheapest Mercedes-Benz insurance company can vary. Click below to see the most affordable options in your area.
Click for the cheapest car insurance by state.
Mercedes-Benz C300 auto insurance costs
The average car insurance cost for a Mercedes-Benz C300 is $508per month, according to Jerry’s data analysis of full coverage quotes.
Here are C300 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz C 300 | $460 |
| Mercedes-Benz C 300 4matic | $393 |
Mercedes-Benz E350 auto insurance costs
The average car insurance cost for a Mercedes-Benz E350 is $389per month, according to an analysis of full coverage quotes to real Jerry customers.
Here are E350 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz E 350 | $179 |
| Mercedes-Benz E 350 4matic | $212 |
Mercedes-Benz Glc auto insurance costs
The average car insurance cost for a Mercedes-Benz Glc is $381per month, according to Jerry’s full coverage quote data.
Here are Glc auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz Glc 300 | $201 |
| Mercedes-Benz Glc 300 4matic | $243 |
| Mercedes-Benz Glc Coupe 300 4matic | $791 |
Mercedes-Benz Gle auto insurance costs
The average car insurance cost for a Mercedes-Benz Gle is $329per month, according to Jerry’s analysis of full coverage quotes.
Here are Gle auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz Gle 350 | $298 |
| Mercedes-Benz Gle 350 4matic | $84 |
Mercedes-Benz car insurance shopping tips
There are many ways to reduce your car insurance expenses for your Mercedes-Benz.
- Compare quotes: Shopping around for insurance coverage allows you to find the best rate for the coverage you need. With Jerry, you can receive free quotes from top providers in under a minute and sign up for your new policy instantly.
- Consider a smaller model: Opting for a smaller Mercedes-Benz model, such as a C-Class or A-Class, can potentially get you a better insurance deal compared to a larger and more expensive model.
- Bundle policies: Bundling your home and auto insurance with the same company can grant you a discount on each.
- Explore telematics programs: Participating in a telematics program can make you eligible for car insurance discounts based on your behavior as a Mercedes motorist.
- Adjust your coverage: If you own an older Mercedes-Benz, reducing your coverage may help reduce your insurance premium. You should consider reducing coverage if your car is worth less than 10 times your typical premium.
- Increase your deductible: The deductible is the portion you pay upfront before your collision or comprehensive insurance coverage kicks in for a claim. Opting for a higher deductible can lead to lower monthly payments, but it’s important to ensure you have the financial means to cover it if you need to file a claim.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
