Mercedes-Benz C-Class Insurance Cost in Texas

Insuring a Mercedes-Benz C-Class in Texas costs about $2,480 a year ($207/month) for full coverage by our estimate — +21% versus the same car nationally — the 5th most expensive of 51 states for this model.

Mercedes-Benz C-Class (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Mercedes-Benz C-Class insurance in Texas at a glance

Full coverage

$2,480

$2,035–$2,925

30/60/25 minimum

$735

$61/mo

Same car nationally

$2,050

full coverage

Avg. car in TX

$1,895

+31% for the C-Class

The Mercedes-Benz C-Class is 31% more expensive than the average vehicle to insure in Texas, reflecting HLDI collision losses of 161 and comprehensive losses of 160 (100 = average). Texas's own base rates are 11% higher than the national average, which carries through to every model.

Texas factors that affect C-Class premiums

Uninsured drivers: 14.5% of Texas drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your C-Class.
Theft: 248 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Texas's expected annual losses as very high for hail, very high for tornado, relatively high for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.35 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Texas →

Mercedes-Benz C-Class insurance cost in Texas cities

City	Full coverage	Minimum	vs. state
Houston	$2,750	$810	+11%
San Antonio	$2,650	$785	+7%
Dallas	$2,715	$805	+9%
Fort Worth	$2,700	$800	+9%
Austin	$2,630	$780	+6%
El Paso	$2,570	$770	+4%
Arlington	$2,745	$815	+11%
Corpus Christi	$2,500	$740	+1%
Plano	$2,705	$805	+9%
Lubbock	$2,375	$705	−4%
Laredo	$2,520	$755	+2%
Irving	$2,675	$790	+8%
Garland	$2,835	$840	+14%
Frisco	$2,760	$820	+11%
McKinney	$2,735	$810	+10%

Mercedes-Benz C-Class insurance in Texas by driver

Estimated annual Mercedes-Benz C-Class premium in Texas
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,025	$2,820	$6,820	$568
Young adult (22)	$1,175	$1,640	$3,970	$331
Adult in their 30s	$735	$1,025	$2,480	$207
Adult in their 50s	$675	$945	$2,280	$190
Senior (72)	$825	$1,150	$2,775	$231
30s, one at-fault accident	$1,065	$1,485	$3,595	$300
30s, DUI on record	$1,360	$1,900	$4,590	$383

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$735	$61	$605–$870
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,025	$85	$840–$1,210
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,480	$207	$2,035–$2,925

Texas minimum: 30/60/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Texas

Model	Full coverage in TX	vs. C-Class
Lexus IS	$2,290	−8%
Audi S4	$2,535	+2%
Audi S5	$2,230	−10%
Audi A6	$2,295	−7%

Estimate your C-Class premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Mercedes-Benz C-Class insurance cost in every state · All Mercedes-Benz models

Frequently asked questions

How much is Mercedes-Benz C-Class insurance in Texas?

About $2,480 a year ($207 a month) for full coverage and $735 for Texas's minimum liability, for a driver in their 30s with a clean record. That is 21% more than the national estimate for the same car.

Is the Mercedes-Benz C-Class cheaper to insure than the average car in Texas?

The average vehicle in Texas is about $1,895 a year for full coverage in our model, so the Mercedes-Benz C-Class is 31% more expensive than average.

Where in Texas is Mercedes-Benz C-Class insurance cheapest?

Among the largest Texas cities, Lubbock has the lowest estimate (about $2,375) and Garland the highest (about $2,835).

What insurance do I need for a Mercedes-Benz C-Class in Texas?

Texas requires at least 30/60/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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