Mercedes-Benz S-Class vs Acura TLX Insurance Cost
The Acura TLX is cheaper to insure by about $1,020 a year for full coverage by our estimate ($3,045 vs. $2,025), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Mercedes-Benz S-Class | Acura TLX | Difference |
|---|---|---|---|
| State minimum | $685 | $550 | +$135 |
| Standard (100/300/100) | $990 | $800 | +$190 |
| Full coverage | $3,045 | $2,025 | +$1,020 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S-Class minus TLX.
Why one costs more to insure
| Factor | Mercedes-Benz S-Class | Acura TLX |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline |
| HLDI collision (100 = avg) | 271 | 131 |
| HLDI comprehensive | 418 | 341 |
| HLDI property damage liability | 109 | 87 |
| HLDI bodily injury liability | 131 | 85 |
| NHTSA overall rating | — | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 4 |
Collision losses are the biggest swing factor: the Mercedes-Benz S-Class has 140 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Acura TLX.
S-Class vs TLX insurance by state
By driver profile (full coverage)
| Driver | S-Class | TLX |
|---|---|---|
| Teen driver (18, own policy) | $8,380 | $5,570 |
| Young adult (22) | $4,875 | $3,240 |
| Adult in their 30s | $3,045 | $2,025 |
| Adult in their 50s | $2,805 | $1,865 |
| Senior (72) | $3,410 | $2,270 |
| 30s, one at-fault accident | $4,415 | $2,935 |
| 30s, DUI on record | $5,635 | $3,745 |
More comparisons
Frequently asked questions
Is the Mercedes-Benz S-Class or the Acura TLX cheaper to insure?
By our estimate the Acura TLX is cheaper, by about $1,020 a year for full coverage ($3,045 vs. $2,025) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Mercedes-Benz S-Class and Acura TLX?
Mostly because of insurance-loss history: HLDI collision indices of 271 vs. 131 and comprehensive indices of 418 vs. 341 (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.