Mercedes-Benz S-Class Insurance Cost

Full coverage for a Mercedes-Benz S-Class costs about $3,045 a year ($254/month) by our estimate — ▲ +92% versus the average vehicle, ranking 299th cheapest of 310 current models.

Mercedes-Benz S-Class exterior (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 S-Class insurance cost at a glance

Full coverage

$3,045

$254/mo · $2,500–$3,595

Minimum liability

$685

$57/mo

Segment

Luxury car

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

271

Much worse than average (100 = avg)

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 2005–2027 model years of the Mercedes-Benz S-Class.

Estimated Mercedes-Benz S-Class premium by coverage level (national average rates)
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.	$685	$57	$560–$805
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$990	$82	$810–$1,170
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$3,045	$254	$2,500–$3,595

What drives the cost of insuring a Mercedes-Benz S-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 S-Class's results put our vehicle factor at 1.11× for liability, 2.51× for collision and 3.74× for comprehensive.

HLDI relative insurance losses — Mercedes-Benz S class 4dr LWB 4WD (Very large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	271	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	418	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	109	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	131	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	86	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	150	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Mercedes-Benz S class 4dr LWB 4WD	271	418	109	131
Mercedes-Benz Maybach S580 4dr 4WD	250	—	—	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 2 NHTSA recall campaigns and 2 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Mercedes-Benz S-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	MPG (comb.)
Maybach S680 4matic	AWD	6.0L 12-cyl Turbo	14
S500 4matic	AWD	3.0L 6-cyl Turbo Supercharged Hybrid	23
S580 4matic	AWD	4.0L 8-cyl Turbo Hybrid	19
S580 4matic Maybach	AWD	4.0L 8-cyl Turbo Hybrid	18

Mercedes-Benz S-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	MPG	Est. full / yr
2027	3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid, 6.0L 12-cyl Turbo	AWD	14–23	$3,045
2026	3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid, 6.0L 12-cyl Turbo	AWD	15–23	$2,955
2025	3.0L 6-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid	AWD	15–24	$2,860
2024	3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid, 6.0L 12-cyl Turbo	AWD	15–24	$2,770
2023	3.0L 6-cyl Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.0L 8-cyl Turbo Hybrid	AWD	14–23	$2,675
2022	3.0L 6-cyl Hybrid, 4.0L 8-cyl Turbo Hybrid, 6.0L 12-cyl Turbo	AWD	15–24	$2,585
2021	3.0L 6-cyl Hybrid, 4.0L 8-cyl Turbo, 4.0L 8-cyl Turbo Hybrid	4WD, RWD	17–24	$2,490
2020	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.0L 8-cyl Turbo	4WD, RWD	16–23	$2,400
2019	3.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo	4WD, FWD, RWD	16–23	$2,305
2018	3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo, 6.0L 12-cyl Turbo	4WD, FWD, RWD	16–22	$2,215
2017	3.0L 6-cyl Turbo Plug-in Hybrid, 4.7L 8-cyl Turbo, 5.5L 8-cyl Turbo	4WD, RWD	16–26	$2,120
2016	3.0L 6-cyl Turbo Plug-in Hybrid, 4.7L 8-cyl Turbo, 5.5L 8-cyl Turbo	4WD, RWD	15–26	$2,030
2015	3.0L 6-cyl Turbo Plug-in Hybrid, 4.7L 8-cyl Turbo, 5.5L 8-cyl Turbo	4WD, RWD	15–26	$2,020
2014	4.7L 8-cyl Turbo, 5.5L 8-cyl Turbo	4WD, RWD	18–20	$2,020
2013	3.5L 6-cyl Hybrid, 4.7L 8-cyl Turbo, 5.5L 12-cyl Turbo	4WD, RWD	14–21	$2,020
2012	3.5L 6-cyl Hybrid, 4.7L 8-cyl Turbo, 5.5L 12-cyl Turbo	4WD, RWD	14–21	$2,020
2011	3.5L 6-cyl Hybrid, 5.5L 12-cyl Turbo, 5.5L 8-cyl	4WD, RWD	14–21	$2,020
2010	3.5L 6-cyl Hybrid, 5.5L 12-cyl Turbo, 5.5L 8-cyl	4WD, RWD	13–21	$2,020
2009	5.5L 12-cyl Turbo, 5.5L 8-cyl, 6.0L 12-cyl Turbo	4WD/AWD, RWD	13–17	$2,020
2008	5.5L 12-cyl Turbo, 5.5L 8-cyl, 6.0L 12-cyl Turbo	4WD/AWD, RWD	13–16	$2,020

Mercedes-Benz S-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, or open the S-Class page for that state.

State	Full coverage	Minimum	vs. national	S-Class page
Alabama	$2,810	$535	−8%	S-Class in AL
Alaska	$2,665	$695	−12%	S-Class in AK
Arizona	$3,190	$735	+5%	S-Class in AZ
Arkansas	$2,985	$500	−2%	S-Class in AR
California	$2,975	$635	−2%	S-Class in CA
Colorado	$3,795	$725	+25%	S-Class in CO
Connecticut	$3,010	$790	−1%	S-Class in CT
Delaware	$3,045	$890	0%	S-Class in DE
District of Columbia	$3,850	$825	+26%	S-Class in DC
Florida	$3,780	$1,200	+24%	S-Class in FL
Georgia	$3,445	$970	+13%	S-Class in GA
Hawaii	$2,110	$485	−31%	S-Class in HI
Idaho	$2,115	$445	−31%	S-Class in ID
Illinois	$2,725	$555	−11%	S-Class in IL
Indiana	$2,260	$450	−26%	S-Class in IN
Iowa	$2,470	$345	−19%	S-Class in IA
Kansas	$2,835	$450	−7%	S-Class in KS
Kentucky	$2,565	$585	−16%	S-Class in KY
Louisiana	$4,175	$880	+37%	S-Class in LA
Maine	$2,030	$475	−33%	S-Class in ME
Maryland	$3,280	$835	+8%	S-Class in MD
Massachusetts	$2,945	$660	−3%	S-Class in MA
Michigan	$3,350	$850	+10%	S-Class in MI
Minnesota	$2,835	$525	−7%	S-Class in MN
Mississippi	$3,145	$590	+3%	S-Class in MS
Missouri	$2,985	$570	−2%	S-Class in MO
Montana	$2,870	$435	−6%	S-Class in MT
Nebraska	$2,830	$450	−7%	S-Class in NE
Nevada	$2,970	$965	−2%	S-Class in NV
New Hampshire	$2,225	$445	−27%	S-Class in NH
New Jersey	$3,255	$1,040	+7%	S-Class in NJ
New Mexico	$2,860	$580	−6%	S-Class in NM
New York	$3,755	$1,035	+23%	S-Class in NY
North Carolina	$2,485	$500	−18%	S-Class in NC
North Dakota	$2,410	$305	−21%	S-Class in ND
Ohio	$2,275	$450	−25%	S-Class in OH
Oklahoma	$3,080	$525	+1%	S-Class in OK
Oregon	$2,510	$695	−18%	S-Class in OR
Pennsylvania	$2,835	$475	−7%	S-Class in PA
Rhode Island	$3,375	$910	+11%	S-Class in RI
South Carolina	$3,090	$815	+1%	S-Class in SC
South Dakota	$3,050	$350	0%	S-Class in SD
Tennessee	$2,695	$500	−11%	S-Class in TN
Texas	$3,900	$770	+28%	S-Class in TX
Utah	$2,550	$725	−16%	S-Class in UT
Vermont	$2,195	$355	−28%	S-Class in VT
Virginia	$2,630	$695	−14%	S-Class in VA
Washington	$2,465	$655	−19%	S-Class in WA
West Virginia	$2,845	$485	−7%	S-Class in WV
Wisconsin	$2,285	$415	−25%	S-Class in WI
Wyoming	$3,065	$360	+1%	S-Class in WY

Mercedes-Benz S-Class insurance by driver profile

Estimated annual Mercedes-Benz S-Class premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,875	$2,720	$8,380	$698
Young adult (22)	$1,090	$1,585	$4,875	$406
Adult in their 30s	$685	$990	$3,045	$254
Adult in their 50s	$630	$910	$2,805	$234
Senior (72)	$765	$1,110	$3,410	$284
30s, one at-fault accident	$990	$1,435	$4,415	$368
30s, DUI on record	$1,265	$1,830	$5,635	$470

Mercedes-Benz S-Class vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Mercedes-Benz S-Class	$3,045	271	418	—
BMW 7 Series	$3,710	405	363	Compare
BMW M3	$4,190	583	297	Compare
Acura TLX	$2,025	131	341	Compare

Estimate Mercedes-Benz S-Class insurance for your 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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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
GLC-Class $1,440/yr
GLE-Class $1,625/yr
GLS-Class $1,825/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

All Mercedes-Benz insurance costs →

Frequently asked questions

How much is insurance for a Mercedes-Benz S-Class?

We estimate about $3,045 a year ($254 a month) for full coverage and $685 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 92% more than the average vehicle.

Is the Mercedes-Benz S-Class expensive to insure?

HLDI insurance-loss data rates it at 271 for collision and 418 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Mercedes-Benz S-Class?

Maine has the lowest estimate (about $2,030 a year for full coverage) and Louisiana the highest (about $4,175).

Is the Mercedes-Benz S-Class cheaper to insure than the BMW 7 Series?

By our estimate the Mercedes-Benz S-Class costs about $3,045 a year versus $3,710 for the BMW 7 Series, making it the cheaper of the two to insure.

How much is Mercedes-Benz S-Class insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $8,380 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.

Sources used on this page