Mercedes-Benz Insurance Cost
Across 17 current Mercedes-Benz models, full coverage averages about $2,146 a year by our estimate — +35% versus the average vehicle ($1,590).
Mercedes-Benz insurance profile
Mercedes-Benz is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 8 luxury suvs, 7 luxury cars, and 2 luxury sports cars. HLDI collision losses for its models average 186 (100 = all-vehicle average).
Every Mercedes-Benz model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| GLC-Class | Luxury SUV | 2016–2027 | 104 | $1,440 | −9% |
| GLA-Class | Luxury SUV | 2015–2026 | 99 | $1,475 | −7% |
| GLB-Class | Luxury SUV | 2020–2026 | 111 | $1,605 | +1% |
| GLE-Class | Luxury SUV | 2016–2027 | 123 | $1,625 | +2% |
| CLE-Class | Luxury car | 2024–2027 | 125 | $1,760 | +11% |
| E-Class | Luxury car | 2005–2027 | 138 | $1,810 | +14% |
| GLS-Class | Luxury SUV | 2017–2027 | 157 | $1,825 | +15% |
| CLA-Class | Luxury car | 2014–2027 | 193 | $2,040 | +28% |
| C-Class | Luxury car | 2005–2027 | 161 | $2,050 | +29% |
| AMG GT | Luxury sports car | 2016–2027 | — | $2,200 | +38% |
| SL-Class | Luxury sports car | 2005–2027 | 210 | $2,330 | +47% |
| EQE SUV | Luxury SUV | 2024–2027 | 252 | $2,505 | +58% |
| EQS SUV | Luxury SUV | 2023–2027 | 253 | $2,560 | +61% |
| G-Class | Luxury SUV | 2005–2027 | 184 | $2,560 | +61% |
| EQE | Luxury car | 2024–2026 | 278 | $2,810 | +77% |
| EQS | Luxury car | 2022–2027 | 316 | $2,835 | +78% |
| S-Class | Luxury car | 2005–2027 | 271 | $3,045 | +92% |
Older and discontinued Mercedes-Benz models
What makes Mercedes-Benz insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 7 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 16 models range from 99 to 316, so the model you pick matters as much as the brand.
- Segment mix: 8 luxury suv, 7 luxury car, 2 luxury sports car.
Average Mercedes-Benz insurance cost by state
Average full-coverage estimate across current Mercedes-Benz models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,414 | −34% |
| Idaho | $1,481 | −31% |
| Vermont | $1,497 | −30% |
| Hawaii | $1,523 | −29% |
| North Dakota | $1,531 | −29% |
| Wisconsin | $1,534 | −29% |
| Indiana | $1,570 | −27% |
| New Hampshire | $1,572 | −27% |
| Ohio | $1,581 | −26% |
| Iowa | $1,587 | −26% |
| North Carolina | $1,708 | −20% |
| Kentucky | $1,800 | −16% |
| Washington | $1,805 | −16% |
| Kansas | $1,838 | −14% |
| Oregon | $1,840 | −14% |
| Nebraska | $1,841 | −14% |
| Montana | $1,848 | −14% |
| South Dakota | $1,854 | −14% |
| Virginia | $1,858 | −13% |
| Tennessee | $1,859 | −13% |
| Utah | $1,872 | −13% |
| Minnesota | $1,878 | −12% |
| Wyoming | $1,888 | −12% |
| West Virginia | $1,898 | −12% |
| Alaska | $1,904 | −11% |
| Illinois | $1,908 | −11% |
| Alabama | $1,943 | −9% |
| Pennsylvania | $1,956 | −9% |
| New Mexico | $1,972 | −8% |
| Arkansas | $2,013 | −6% |
| Missouri | $2,015 | −6% |
| Oklahoma | $2,046 | −5% |
| Massachusetts | $2,125 | −1% |
| Mississippi | $2,131 | −1% |
| California | $2,164 | +1% |
| South Carolina | $2,211 | +3% |
| Connecticut | $2,212 | +3% |
| Arizona | $2,239 | +4% |
| Delaware | $2,258 | +5% |
| Nevada | $2,269 | +6% |
| Maryland | $2,371 | +11% |
| Michigan | $2,379 | +11% |
| New Jersey | $2,440 | +14% |
| Rhode Island | $2,499 | +16% |
| Colorado | $2,513 | +17% |
| Georgia | $2,526 | +18% |
| Texas | $2,634 | +23% |
| District of Columbia | $2,746 | +28% |
| New York | $2,755 | +28% |
| Florida | $2,826 | +32% |
| Louisiana | $2,944 | +37% |
Frequently asked questions
How much does it cost to insure a Mercedes-Benz?
Across 17 current Mercedes-Benz models, our full-coverage estimate averages $2,146 a year for a driver in their 30s with a clean record, 35% more than the average vehicle ($1,590).
What is the cheapest Mercedes-Benz to insure?
The Mercedes-Benz GLC-Class has the lowest estimate at about $1,440 a year for full coverage; the Mercedes-Benz S-Class is the most expensive at about $3,045.
Are Mercedes-Benz repairs expensive for insurers?
HLDI collision-loss data for 16 Mercedes-Benz models averages 186 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Mercedes-Benz?
By our estimates, Maine is the cheapest state (about $1,414 a year on average across current models) and Louisiana the most expensive (about $2,944).
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.