BMW M4 vs Mercedes-Benz SL-Class Insurance Cost

The Mercedes-Benz SL-Class is cheaper to insure by about $1,930 a year for full coverage by our estimate ($4,260 vs. $2,330), and cheaper in 51 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 M4	Mercedes-Benz SL-Class	Difference
State minimum	$930	$500	+$430
Standard (100/300/100)	$1,345	$725	+$620
Full coverage	$4,260	$2,330	+$1,930

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = M4 minus SL-Class.

Why one costs more to insure

Factor	BMW M4	Mercedes-Benz SL-Class
Segment	Luxury sports car	Luxury sports car
Powertrains	Gasoline	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	549	210
HLDI comprehensive	278	292
HLDI property damage liability	180	64
HLDI bodily injury liability	—	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	1	2

Collision losses are the biggest swing factor: the BMW M4 has 339 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW M4.

M4 vs SL-Class insurance by state

State	M4	SL-Class	Difference
Alabama	$3,915	$2,155	+$1,760
Alaska	$3,875	$2,050	+$1,825
Arizona	$4,325	$2,430	+$1,895
Arkansas	$4,050	$2,285	+$1,765
California	$4,600	$2,310	+$2,290
Colorado	$4,700	$2,865	+$1,835
Connecticut	$4,380	$2,310	+$2,070
Delaware	$4,330	$2,320	+$2,010
District of Columbia	$5,595	$2,965	+$2,630
Florida	$5,285	$2,870	+$2,415
Georgia	$4,840	$2,625	+$2,215
Hawaii	$3,215	$1,635	+$1,580
Idaho	$2,940	$1,620	+$1,320
Illinois	$3,835	$2,090	+$1,745
Indiana	$3,145	$1,730	+$1,415
Iowa	$3,060	$1,870	+$1,190
Kansas	$3,520	$2,145	+$1,375
Kentucky	$3,490	$1,955	+$1,535
Louisiana	$5,705	$3,180	+$2,525
Maine	$2,870	$1,560	+$1,310
Maryland	$4,695	$2,515	+$2,180
Massachusetts	$4,345	$2,270	+$2,075
Michigan	$4,835	$2,575	+$2,260
Minnesota	$3,605	$2,150	+$1,455
Mississippi	$4,175	$2,400	+$1,775
Missouri	$3,905	$2,270	+$1,635
Montana	$3,525	$2,175	+$1,350
Nebraska	$3,540	$2,150	+$1,390
Nevada	$4,350	$2,270	+$2,080
New Hampshire	$3,230	$1,715	+$1,515
New Jersey	$4,755	$2,495	+$2,260
New Mexico	$3,880	$2,185	+$1,695
New York	$5,335	$2,865	+$2,470
North Carolina	$3,540	$1,915	+$1,625
North Dakota	$2,995	$1,830	+$1,165
Ohio	$3,175	$1,745	+$1,430
Oklahoma	$3,990	$2,345	+$1,645
Oregon	$3,545	$1,915	+$1,630
Pennsylvania	$3,965	$2,175	+$1,790
Rhode Island	$4,950	$2,590	+$2,360
South Carolina	$4,170	$2,345	+$1,825
South Dakota	$3,440	$2,290	+$1,150
Tennessee	$3,765	$2,065	+$1,700
Texas	$5,115	$2,965	+$2,150
Utah	$3,650	$1,950	+$1,700
Vermont	$3,100	$1,690	+$1,410
Virginia	$3,690	$2,015	+$1,675
Washington	$3,535	$1,885	+$1,650
West Virginia	$3,730	$2,170	+$1,560
Wisconsin	$2,995	$1,740	+$1,255
Wyoming	$3,560	$2,310	+$1,250

By driver profile (full coverage)

Driver	M4	SL-Class
Teen driver (18, own policy)	$11,710	$6,410
Young adult (22)	$6,815	$3,730
Adult in their 30s	$4,260	$2,330
Adult in their 50s	$3,920	$2,145
Senior (72)	$4,770	$2,610
30s, one at-fault accident	$6,175	$3,380
30s, DUI on record	$7,880	$4,315

More comparisons

Frequently asked questions

Is the BMW M4 or the Mercedes-Benz SL-Class cheaper to insure?

By our estimate the Mercedes-Benz SL-Class is cheaper, by about $1,930 a year for full coverage ($4,260 vs. $2,330) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW M4 and Mercedes-Benz SL-Class?

Mostly because of insurance-loss history: HLDI collision indices of 549 vs. 210 and comprehensive indices of 278 vs. 292 (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