BMW i4 vs Mercedes-Benz E-Class Insurance Cost

The Mercedes-Benz E-Class is cheaper to insure by about $110 a year for full coverage by our estimate ($1,920 vs. $1,810), and cheaper in 50 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	BMW i4	Mercedes-Benz E-Class	Difference
State minimum	$660	$600	+$60
Standard (100/300/100)	$960	$870	+$90
Full coverage	$1,920	$1,810	+$110

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = i4 minus E-Class.

Why one costs more to insure

Factor	BMW i4	Mercedes-Benz E-Class
Segment	Luxury car	Luxury car
Powertrains	Electric	Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel
HLDI collision (100 = avg)	163	138
HLDI comprehensive	103	—
HLDI property damage liability	122	—
HLDI bodily injury liability	106	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	3

Collision losses are the biggest swing factor: the BMW i4 has 25 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

i4 vs E-Class insurance by state

State	i4	E-Class	Difference
Alabama	$1,695	$1,610	+$85
Alaska	$1,705	$1,600	+$105
Arizona	$1,990	$1,885	+$105
Arkansas	$1,720	$1,645	+$75
California	$1,950	$1,810	+$140
Colorado	$2,135	$2,075	+$60
Connecticut	$2,030	$1,895	+$135
Delaware	$2,095	$1,955	+$140
District of Columbia	$2,455	$2,300	+$155
Florida	$2,645	$2,470	+$175
Georgia	$2,325	$2,175	+$150
Hawaii	$1,370	$1,270	+$100
Idaho	$1,310	$1,240	+$70
Illinois	$1,680	$1,590	+$90
Indiana	$1,380	$1,305	+$75
Iowa	$1,305	$1,280	+$25
Kansas	$1,525	$1,490	+$35
Kentucky	$1,600	$1,515	+$85
Louisiana	$2,625	$2,485	+$140
Maine	$1,240	$1,175	+$65
Maryland	$2,150	$2,015	+$135
Massachusetts	$1,915	$1,790	+$125
Michigan	$2,120	$1,990	+$130
Minnesota	$1,590	$1,540	+$50
Mississippi	$1,835	$1,760	+$75
Missouri	$1,735	$1,665	+$70
Montana	$1,525	$1,495	+$30
Nebraska	$1,535	$1,495	+$40
Nevada	$2,150	$1,990	+$160
New Hampshire	$1,395	$1,310	+$85
New Jersey	$2,275	$2,115	+$160
New Mexico	$1,725	$1,640	+$85
New York	$2,535	$2,370	+$165
North Carolina	$1,480	$1,400	+$80
North Dakota	$1,245	$1,220	+$25
Ohio	$1,385	$1,315	+$70
Oklahoma	$1,730	$1,675	+$55
Oregon	$1,690	$1,585	+$105
Pennsylvania	$1,705	$1,615	+$90
Rhode Island	$2,305	$2,145	+$160
South Carolina	$2,000	$1,890	+$110
South Dakota	$1,450	$1,465	−$15
Tennessee	$1,620	$1,540	+$80
Texas	$2,265	$2,175	+$90
Utah	$1,720	$1,605	+$115
Vermont	$1,290	$1,225	+$65
Virginia	$1,655	$1,560	+$95
Washington	$1,655	$1,545	+$110
West Virginia	$1,610	$1,555	+$55
Wisconsin	$1,310	$1,260	+$50
Wyoming	$1,495	$1,495	—

By driver profile (full coverage)

Driver	i4	E-Class
Teen driver (18, own policy)	$5,280	$4,980
Young adult (22)	$3,070	$2,900
Adult in their 30s	$1,920	$1,810
Adult in their 50s	$1,765	$1,665
Senior (72)	$2,150	$2,030
30s, one at-fault accident	$2,785	$2,625
30s, DUI on record	$3,550	$3,350

More comparisons

Frequently asked questions

Is the BMW i4 or the Mercedes-Benz E-Class cheaper to insure?

By our estimate the Mercedes-Benz E-Class is cheaper, by about $110 a year for full coverage ($1,920 vs. $1,810) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW i4 and Mercedes-Benz E-Class?

Mostly because of insurance-loss history: HLDI collision indices of 163 vs. 138 and comprehensive indices of 103 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page