Mercedes-Benz C-Class vs Genesis G80 Insurance Cost
The Genesis G80 is cheaper to insure by about $315 a year for full coverage by our estimate ($2,050 vs. $1,735), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Mercedes-Benz C-Class | Genesis G80 | Difference |
|---|---|---|---|
| State minimum | $655 | $550 | +$105 |
| Standard (100/300/100) | $945 | $800 | +$145 |
| Full coverage | $2,050 | $1,735 | +$315 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = C-Class minus G80.
Why one costs more to insure
| Factor | Mercedes-Benz C-Class | Genesis G80 |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Flex-fuel | Gasoline, Electric |
| HLDI collision (100 = avg) | 161 | 131 |
| HLDI comprehensive | 160 | 138 |
| HLDI property damage liability | 109 | 86 |
| HLDI bodily injury liability | 115 | — |
| NHTSA overall rating | — | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 3 |
Collision losses are the biggest swing factor: the Mercedes-Benz C-Class has 30 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Genesis G80.
C-Class vs G80 insurance by state
By driver profile (full coverage)
| Driver | C-Class | G80 |
|---|---|---|
| Teen driver (18, own policy) | $5,630 | $4,775 |
| Young adult (22) | $3,275 | $2,775 |
| Adult in their 30s | $2,050 | $1,735 |
| Adult in their 50s | $1,885 | $1,595 |
| Senior (72) | $2,295 | $1,945 |
| 30s, one at-fault accident | $2,970 | $2,515 |
| 30s, DUI on record | $3,790 | $3,210 |
More comparisons
Frequently asked questions
Is the Mercedes-Benz C-Class or the Genesis G80 cheaper to insure?
By our estimate the Genesis G80 is cheaper, by about $315 a year for full coverage ($2,050 vs. $1,735) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Mercedes-Benz C-Class and Genesis G80?
Mostly because of insurance-loss history: HLDI collision indices of 161 vs. 131 and comprehensive indices of 160 vs. 138 (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.