Cost of Mercedes-Benz Car Insurance (2025)
Mercedes-Benz insurance costs an average of $180 per month across all models.
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Mercedes-Benz is a global icon among luxury automobile brands. Its excellent safety ratings, polished exteriors, and smooth interiors come at a high price, though.
Drivers pay averages of $125 per month for liability coverage and $235 for full coverage across all Mercedes models, which is higher than the national averages for all vehicle types. But your costs will vary depending on many factors.
Here’s what you should know about finding car insurance for your Mercedes-Benz.
Quick Facts
USAA and GEICO offer the cheapest average rates for most Mercedes-Benz drivers.
The Mercedes Sprinter is one of the cheapest Mercedes model to insure, on average.
The Mercedes CLA-Class is one of the most expensive Mercedes models to insure.
Cost of Mercedes-Benz insurance by model
Insurance costs can vary drastically by the type of vehicle you choose. Typically, the more expensive the model, the more costly it is to insure.
The following table shows average full-coverage and liability-only rates for 10 different Mercedes-Benz models.
Mercedes-Benz Model  | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| C-Class | $242 | $129 |
| G-Class | $241 | $128 |
| E-Class | $234 | $124 |
| CLA-Class | $266 | $142 |
| GLA-Class | $227 | $121 |
| GLB-Class | $240 | $128 |
| GLC-Class | $226 | $120 |
| GLE-Class | $241 | $128 |
| S-Class | $254 | $135 |
| Sprinter | $204 | $108 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest Mercedes-Benz insurance by model
Car insurance costs depend on various individual rating factors, such as your age, driving record, marital status, location, and more. Another major factor is which specific model of Mercedes you have. Below, you’ll find the most affordable rates by model based on Insurify data.
Offering standard features like anti-lock brakes and advanced safety features alike, the Mercedes-Benz C-Class was voted as one of the safest cars by the Insurance Institute for Highway Safety (IIHS) in 2025.[?]
While the C-Class is one of the most affordable sedans Mercedes-Benz offers, with a starting price of $49,600, it’s one of the most expensive to insure, based on Insurify data.[?]
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $146 $68 State Farm $147 $69 Allstate $164 $77 Progressive $190 $123 American Family $192 $88 Nationwide $227 $108 Travelers $239 $115 Farmers $291 $137 Liberty Mutual $311 $217 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz G-Class is a luxury SUV with a powerful engine and off-road capability. The second generation of the G-Class launched in 2019, and each model is handmade in an Austrian factory.
The G-Class comes with a hefty price tag. The starting MSRP for the 2025 model ranges from $149,400 to $162,650.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $147 $69 Allstate $163 $76 Progressive $189 $123 American Family $191 $88 Nationwide $226 $108 Travelers $238 $114 Farmers $290 $137 Liberty Mutual $310 $216 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The older models of the E-Class made up the most popular Mercedes-Benz cars in the company’s history, and they were redesigned in 2020. These new cars offer smart features like the ability to talk to other drivers to gain insight into dangers coming up, like vehicle crashes.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $120 $57 GEICO $141 $66 State Farm $143 $67 Allstate $159 $74 Progressive $184 $120 American Family $185 $85 Nationwide $220 $105 Travelers $232 $111 Farmers $282 $133 Liberty Mutual $301 $210 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes CLA is one of the least expensive models this luxury vehicle manufacturer offers, with a starting price of $44,550. Despite being relatively affordable as luxury cars go, average insurance premiums are a bit on the high side for this model.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $136 $65 GEICO $161 $75 State Farm $162 $76 Allstate $180 $85 Progressive $210 $136 American Family $211 $97 Nationwide $250 $119 Travelers $264 $126 Farmers $321 $151 Liberty Mutual $343 $239 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz GLA-Class offers the brand’s most affordable SUV, with a starting price of $44,150. Check out average car insurance costs for the GLA-Class in the table below.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $116 $56 GEICO $137 $64 State Farm $138 $65 Allstate $154 $72 Progressive $179 $116 American Family $180 $83 Nationwide $213 $102 Travelers $225 $108 Farmers $273 $129 Liberty Mutual $292 $203 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes GLB-Class offers a unique boxy profile and starts at an MSRP of $46,950. The table below shows average liability and full-coverage costs from popular insurers for the GLB-Class.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $146 $69 Allstate $163 $76 Progressive $189 $123 American Family $190 $88 Nationwide $225 $108 Travelers $238 $114 Farmers $289 $136 Liberty Mutual $309 $215 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The GLC-Class is designed more for families with larger seating and cargo areas and includes plenty of safety features, like adaptive cruise control for long road trips. It’s also one of the more affordable models, with a starting MSRP of $50,400.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $116 $55 GEICO $137 $64 State Farm $138 $65 Allstate $153 $72 Progressive $178 $116 American Family $179 $83 Nationwide $212 $101 Travelers $224 $107 Farmers $272 $129 Liberty Mutual $291 $203 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes GLE-Class is popular with people with a penchant for luxury manufacturer logos at a more moderate price point. Still, this model offers a great deal on a long list of traditional Mercedes features, like an exquisite interior, advanced safety features, and a powerful engine to handle all types of driving scenarios.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $147 $69 Allstate $163 $76 Progressive $189 $123 American Family $190 $88 Nationwide $225 $108 Travelers $238 $114 Farmers $289 $137 Liberty Mutual $309 $215 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz S-Class is known for its powerful engine. It boasts 362 to 496 horsepower, depending on trim level. The Mercedes-Benz S 580 4MATIC Sedan has a V-8 4.0-liter engine size and can go from zero to 60 in just 4.4 seconds, for example.
These features result in higher insurance costs, as it’s one of the most expensive Mercedes-Benz models to insure.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $130 $62 GEICO $153 $71 State Farm $155 $73 Allstate $172 $81 Progressive $200 $130 American Family $201 $93 Nationwide $238 $114 Travelers $251 $120 Farmers $305 $144 Liberty Mutual $327 $227 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The customizable Sprinter van has some new standard features in 2025 that used to be optional, including rain-sensing windshield wipers and an updated blind-spot monitoring system. The starting MSRP for the 2500 Cargo trim ranges from $53,195 to $71,945.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $104 $50 GEICO $123 $57 State Farm $124 $59 Allstate $138 $65 Progressive $161 $104 American Family $162 $74 Nationwide $191 $91 Travelers $202 $97 Farmers $246 $116 Liberty Mutual $263 $183 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best companies for Mercedes-Benz car insurance
Finding the best auto insurance company for your particular situation can help you save the most money without sacrificing coverage. It’s best to compare car insurance quotes from as many companies as you can to find the best deals.
Here are some good companies to start with:
State Farm
USAA
GEICO
Average cost of Mercedes-Benz insurance by state
Mercedes-Benz insurance costs can vary greatly by state. Check out how much drivers pay for coverage in different states across all Mercedes-Benz models.
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How to ensure you have enough coverage on your Mercedes-Benz
Finding the right insurance coverage usually depends on what state you live in, whether you’re financing your car, and how much protection you want for your vehicle.
Most Mercedes-Benz drivers will need to purchase some of the following coverage options, at a minimum:[?]
Mercedes-Benz car insurance FAQs
Car insurance is usually one of the most expensive aspects of driving a Mercedes-Benz car, in addition to ownership expenses like loan or lease payments. Below, you’ll find answers to some of the most commonly asked questions about Mercedes-Benz car insurance.
USAA and GEICO offer the cheapest Mercedes-Benz insurance rates for a full-coverage policy for most models, according to Insurify data. Your actual rates may be more or less than average based on numerous individual rating factors, including your driving record, age, gender, location, claims history, and credit-based insurance score.
Yes. The average Mercedes-Benz insurance cost is higher than the national average for a liability-only policy and a full-coverage policy due to the high-end nature of these cars.
The average monthly car insurance cost for Mercedes C-Class cars is $129 per month for liability-only coverage and $242 for full coverage.
The average annual premium for Mercedes-Benz cars is $1,500 for a liability-only policy and $2,820 for a full-coverage policy.
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