Jerry SummaryMercedes-Benz car insurance costs $395 per month, on average, according to our August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Mercury offers the most affordable coverage at $207 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.
Synonymous with luxury, engineering precision and automotive prestige, Mercedes-Benz has been shaping the modern driving experience for nearly a century. Originally founded in 1926, the brand introduced the world’s first gasoline-powered car and has continued to set industry standards ever since — from pioneering safety innovations like crumple zones and anti-lock brakes to creating some of the most refined interiors on the market.
Today, Mercedes-Benz offers everything from sleek sedans and performance coupes to plug-in hybrids and high-end SUVs, with its AMG and EQ lines pushing the boundaries of power and innovation. While the brand carries a reputation for excellence, that same high-performance engineering and luxury pedigree can also come with above-average insurance premiums.
Mercedes-Benz auto insurance costs can vary widely. Here are average costs for a variety of models, the best and most affordable 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 $395 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $151 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 | $162 |
| B250 | $200 |
| C 240 | $251 |
| C 250 | $375 |
| C 280 | $187 |
| C 300 | $525 |
| C 350 | $190 |
| C 400 | $276 |
| Cla 250 | $462 |
| 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 | $72 |
| C 230 | $78 |
| C 250 | $143 |
| C 300 | $194 |
| 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 $344.
Below are the average full coverage costs of Mercedes-Benz car insurance, by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AR | $283 |
| AZ | $220 |
| CA | $444 |
| CO | $502 |
| CT | $375 |
| DC | $188 |
| DE | $501 |
| FL | $384 |
| GA | $344 |
| IA | $136 |
Factors that affect Mercedes-Benz car insurance costs
Your Mercedes-Benz insurance premium is based on several factors, including the vehicle’s age, body style and trim level. Insurers also factor your driving history, location, age and the type of coverage you choose into your rates.
Here are some Mercedes-specific vehicle features that can impact your premium:
- Safety features: Mercedes-Benz is renowned for its commitment to safety, often scoring high safety ratings across its vehicle lineup. These models usually come equipped with advanced protective tech, like active brake assist and lane-keeping systems, which can help lower car insurance premiums by reducing accident risk.
- Vehicle value: High-end models like the AMG S-Class or EQS typically cost more to insure due to their high sticker prices and repair costs.
- Vehicle class: Compact models like the GLA may be more affordable to insure than large SUVs or performance sedans, which tend to carry higher risk profiles.
- Engine performance: AMG and other high-performance variants are usually tagged with higher premiums, since insurers associate more powerful engines with increased risk.
- Parts and repair costs: Mercedes-Benz luxury vehicles feature high-end materials and proprietary components. If repairs require specialized labor or hard-to-source parts — like hybrids, EVs or imported trims — insurance costs may be higher.
- Credit score: Personal factors such as your credit score can influence your insurance rate. Typically, a higher credit score correlates with lower insurance rates.
- 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 or traffic citations, your costs may be higher.
More: Cheap car insurance
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.
Affordable Mercedes-Benz car insurance
Full coverage
Mercury offers the lowest-cost full coverage car insurance for Mercedes-Benz, with an average rate of $207 per month.
Below are the most affordable insurance companies for Mercedes-Benz for full coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Mercury | $207 |
| Progressive | $263 |
| ROOT | $282 |
| Safeco | $285 |
| Geico | $286 |
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 lowest-cost minimum coverage auto insurance for Mercedes-Benz, with an average rate of $45 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
|
|---|---|
| Mercury | $45 |
| Bluefire | $91 |
| Progressive | $91 |
| Dairyland | $108 |
| Geico | $110 |
By state
Because each state has its own rules and minimums, the lowest-cost 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 $525 per month, according to Jerry’s data analysis of full coverage quotes.
The Mercedes-Benz C300 is a compact luxury sedan that blends elegant styling with agile performance and a well-appointed cabin. As part of the C-Class lineup — a 2025 IIHS top safety pick — the C300 boasts a turbocharged 2.0-liter, four-cylinder engine and comes equipped with advanced driver-assistance systems and high-end interior materials. For 2025, the C300 offers several trims and available packages that elevate both comfort and performance, with a starting MSRP of $48,450.
While generally more affordable to insure than AMG variants or models like the S-Class, the C300 still tends to have above-average insurance costs due to its luxury components, brand reputation and higher repair expenses. Other factors — such as where you live, how much you drive and your coverage choices — also play a role in determining your premium.
Here are C300 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz C 300 | $490 |
| Mercedes-Benz C 300 4matic | $578 |
Mercedes-Benz E350 auto insurance costs
The average car insurance cost for a Mercedes-Benz E350 is $386 per month, according to an analysis of full coverage quotes to real Jerry customers.
The Mercedes-Benz E350 is a midsize luxury sedan that offers a comfortable ride, tech-focused interior and has a reputation for solid performance. It’s equipped with a turbocharged 2.0-liter engine and standard driver-assistance features, with several packages available to customize performance and convenience.
With a starting 2025 MSRP of $62,450, the E350 is not the most expensive model in the Mercedes lineup. However, this car can still carry higher insurance premiums due to the cost of repairs, advanced components and overall vehicle value.
Here are E350 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz E 350 | $378 |
| Mercedes-Benz E 350 4matic | $411 |
| Mercedes-Benz E 350 4matic Wagon | $151 |
Mercedes-Benz GLC auto insurance costs
The average car insurance cost for a Mercedes-Benz GLC is $390 per month, according to Jerry’s full coverage quote data.
Another IIHS top pick for 2025, the Mercedes-Benz GLC is a midsize luxury SUV known for its smooth ride, upscale interior and strong safety features. The base model GLC 300 comes standard with a 2.0-liter turbocharged engine, rear-wheel drive (GLC 300) and a suite of driver-assist features like blind spot assist and automatic emergency braking, with a starting 2025 MSRP of $49,250.
For those needing more traction or versatility, the GLC is also available with 4MATIC all-wheel drive, which starts at $51,250 for the GLC 300 4MATIC and $59,900 for the GLC 350e 4MATIC. There are also two AMG models in the GLC collection, which creep up to a starting MSRP of $86,050 in exchange for nearly 700 horsepower.
Here are GLC auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz Glc 300 | $257 |
| 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 $358 per month, according to Jerry’s analysis of full coverage quotes.
The Mercedes-Benz GLE is a midsize luxury vehicle class available in both an SUV and a coupe style, with multiple model options for each. This gives drivers a choice between practicality and sportier styling, though both are powerful and feature-rich.
Standard GLE 350 models come equipped with a turbocharged 2.0-liter engine and a full suite of driver-assistance features, while the GLE 450, AMG trims and plug-in hybrid options deliver increased performance and tech upgrades. Optional third-row seating in the SUV version also adds versatility for families.
Due to its premium features, size, and higher repair costs, the GLE tends to carry above-average insurance premiums — especially for AMG or coupe variants, which often come with higher horsepower and price tags. While the base model GLE 350 SUV has a starting MSRP of $62,250, the AMG GLE 63 S coupe is more than double that, starting at $133,150.
Here are GLE auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Mercedes-Benz Gle 350 | $451 |
| Mercedes-Benz Gle 350 4matic | $157 |
| Mercedes-Benz Gle 43 Amg | $346 |
Mercedes-Benz car insurance shopping tips
Here are a few ways to reduce your car insurance expenses for your Mercedes-Benz.
- Compare quotes: Shopping for insurance allows you to find the best rate for the coverage you need. Be sure to get a handful of quotes and provide the most accurate information possible for the best apples-to-apples comparison.
- Consider a smaller model: Opting for a smaller Mercedes-Benz model, such as a C-Class or A-Class, may 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 can cover it if you need to file a claim.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
FAQs
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Does owning an AMG or EQ model affect my insurance differently than a standard Mercedes-Benz?
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Can classic or vintage Mercedes-Benz vehicles be insured with standard policies?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Stephanie Colestock is a seasoned writer and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
