Mercedes-Benz GLC-Class Insurance Cost
Full coverage for a Mercedes-Benz GLC-Class costs about $1,440 a year ($120/month) by our estimate — ▼ −9% versus the average vehicle, ranking 65th cheapest of 310 current models.
Mercedes-Benz GLC-Class insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2016–2027 model years of the Mercedes-Benz GLC-Class.
| 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. | $500 | $42 | $410–$590 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $725 | $60 | $595–$855 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,440 | $120 | $1,185–$1,700 |
What drives the cost of insuring a Mercedes-Benz GLC-Class
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Mercedes-Benz GLC-Class's results put our vehicle factor at 0.81× for liability, 1.09× for collision and 0.89× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 104 | Average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 82 | Better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 80 | Much better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 63 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 81 | Better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 80 | Much better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (3)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Mercedes-Benz GLC class 4dr 4WD | 104 | 82 | 80 | 63 |
| Mercedes-Benz GLC class 4dr | 92 | 88 | 81 | — |
| Mercedes-Benz GLC class coupe 4dr 4WD | 131 | 120 | 97 | — |
- Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 5 NHTSA recall campaigns and 57 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Mercedes-Benz GLC-Class trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| AMG GLC53 4matic Plus | AWD | 3.0L 6-cyl Turbo Supercharged Hybrid | 22 | — |
| AMG GLC53 4matic Plus (coupe) | AWD | 3.0L 6-cyl Turbo Supercharged Hybrid | 22 | — |
| GLC300 | RWD | 2.0L 4-cyl Turbo Hybrid | 27 | — |
| GLC300 4matic | AWD | 2.0L 4-cyl Turbo Hybrid | 26 | — |
| GLC300 4matic (coupe) | AWD | 2.0L 4-cyl Turbo Hybrid | 26 | — |
| GLC400 4matic electric | AWD | Electric | 102 | 331 mi |
| GLC400 4matic electric (ST) | AWD | Electric | 119 | 350 mi |
Mercedes-Benz GLC-Class insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2027 | 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Supercharged Hybrid, Electric | AWD, RWD | 22–27 | $1,440 |
| 2026 | 2.0L 4-cyl Turbo Hybrid | AWD, RWD | 22–27 | $1,410 |
| 2025 | 2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid | AWD, RWD | 20–27 | $1,375 |
| 2024 | 2.0L 4-cyl Turbo Hybrid | AWD, RWD | 21–29 | $1,345 |
| 2023 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo | AWD, RWD | 20–28 | $1,315 |
| 2022 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD, RWD | 19–24 | $1,280 |
| 2021 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo | 4WD, RWD | 17–25 | $1,250 |
| 2020 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo | 4WD, RWD | 18–25 | $1,215 |
| 2019 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo | 4WD, RWD | 18–25 | $1,185 |
| 2018 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo | 4WD, RWD | 18–25 | $1,150 |
| 2017 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | 4WD, RWD | 20–24 | $1,120 |
| 2016 | 2.0L 4-cyl Turbo | 4WD, FWD | 24 | $1,085 |
Mercedes-Benz GLC-Class insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,275 | $390 | −11% |
| Alaska | $1,275 | $505 | −11% |
| Arizona | $1,500 | $535 | +4% |
| Arkansas | $1,300 | $365 | −10% |
| California | $1,445 | $465 | 0% |
| Colorado | $1,630 | $530 | +13% |
| Connecticut | $1,520 | $580 | +6% |
| Delaware | $1,570 | $650 | +9% |
| District of Columbia | $1,835 | $605 | +27% |
| Florida | $1,990 | $875 | +38% |
| Georgia | $1,745 | $710 | +21% |
| Hawaii | $1,015 | $355 | −30% |
| Idaho | $985 | $325 | −32% |
| Illinois | $1,260 | $405 | −13% |
| Indiana | $1,035 | $330 | −28% |
| Iowa | $1,000 | $250 | −31% |
| Kansas | $1,165 | $330 | −19% |
| Kentucky | $1,205 | $430 | −16% |
| Louisiana | $1,980 | $645 | +38% |
| Maine | $930 | $345 | −35% |
| Maryland | $1,610 | $610 | +12% |
| Massachusetts | $1,430 | $480 | −1% |
| Michigan | $1,585 | $625 | +10% |
| Minnesota | $1,210 | $380 | −16% |
| Mississippi | $1,390 | $430 | −3% |
| Missouri | $1,315 | $415 | −9% |
| Montana | $1,165 | $320 | −19% |
| Nebraska | $1,170 | $330 | −19% |
| Nevada | $1,605 | $705 | +11% |
| New Hampshire | $1,040 | $325 | −28% |
| New Jersey | $1,700 | $760 | +18% |
| New Mexico | $1,300 | $425 | −10% |
| New York | $1,900 | $755 | +32% |
| North Carolina | $1,105 | $365 | −23% |
| North Dakota | $950 | $225 | −34% |
| Ohio | $1,040 | $330 | −28% |
| Oklahoma | $1,315 | $385 | −9% |
| Oregon | $1,270 | $510 | −12% |
| Pennsylvania | $1,280 | $345 | −11% |
| Rhode Island | $1,720 | $665 | +19% |
| South Carolina | $1,510 | $595 | +5% |
| South Dakota | $1,130 | $255 | −22% |
| Tennessee | $1,215 | $365 | −16% |
| Texas | $1,720 | $560 | +19% |
| Utah | $1,290 | $530 | −10% |
| Vermont | $965 | $260 | −33% |
| Virginia | $1,240 | $510 | −14% |
| Washington | $1,240 | $480 | −14% |
| West Virginia | $1,220 | $355 | −15% |
| Wisconsin | $995 | $305 | −31% |
| Wyoming | $1,155 | $265 | −20% |
Mercedes-Benz GLC-Class insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,370 | $1,990 | $3,965 | $330 |
| Young adult (22) | $800 | $1,160 | $2,305 | $192 |
| Adult in their 30s | $500 | $725 | $1,440 | $120 |
| Adult in their 50s | $460 | $665 | $1,325 | $110 |
| Senior (72) | $560 | $810 | $1,615 | $135 |
| 30s, one at-fault accident | $725 | $1,050 | $2,090 | $174 |
| 30s, DUI on record | $925 | $1,340 | $2,670 | $223 |
Mercedes-Benz GLC-Class vs. rivals
Estimate Mercedes-Benz GLC-Class insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Mercedes-Benz models
- AMG GT $2,200/yr
- C-Class $2,050/yr
- CLA-Class $2,040/yr
- CLE-Class $1,760/yr
- E-Class $1,810/yr
- EQE SUV $2,505/yr
- EQS $2,835/yr
- EQS SUV $2,560/yr
- G-Class $2,560/yr
- GLE-Class $1,625/yr
- GLS-Class $1,825/yr
- S-Class $3,045/yr
- SL-Class $2,330/yr
- EQE $2,810/yr
- GLA-Class $1,475/yr
- GLB-Class $1,605/yr
- EQB $1,695/yr
- CLS-Class $1,650/yr
- Metris $1,445/yr
- A-Class $1,605/yr
- SLC-Class $1,810/yr
- B-Class $1,445/yr
- GL-Class $1,335/yr
- SLK-Class $1,585/yr
- GLK-Class $1,330/yr
- ML-Class $1,305/yr
- SLS AMG $1,580/yr
- CL-Class $1,345/yr
- R-Class $1,330/yr
- CLK-Class $1,345/yr
Frequently asked questions
How much is insurance for a Mercedes-Benz GLC-Class?
We estimate about $1,440 a year ($120 a month) for full coverage and $500 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% less than the average vehicle.
Is the Mercedes-Benz GLC-Class expensive to insure?
HLDI insurance-loss data rates it at 104 for collision and 82 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.
Which state is cheapest to insure a Mercedes-Benz GLC-Class?
Maine has the lowest estimate (about $930 a year for full coverage) and Florida the highest (about $1,990).
Is the Mercedes-Benz GLC-Class cheaper to insure than the BMW X3?
By our estimate the Mercedes-Benz GLC-Class costs about $1,440 a year versus $1,600 for the BMW X3, making it the cheaper of the two to insure.
How much is Mercedes-Benz GLC-Class insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,965 a year at national-average rates by our estimate.
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.