Estimates, not quotes

Mercedes-Benz S-Class Insurance Cost in Louisiana

Insuring a Mercedes-Benz S-Class in Louisiana costs about $4,175 a year ($348/month) for full coverage by our estimate — +37% versus the same car nationally — the 1st most expensive of 51 states for this model.

Mercedes-Benz S-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 S-Class insurance in Louisiana at a glance

Full coverage
$4,175
$3,420–$4,925
15/30/25 minimum
$880
$73/mo
Same car nationally
$3,045
full coverage
Avg. car in LA
$2,200
+90% for the S-Class

The Mercedes-Benz S-Class is 90% more expensive than the average vehicle to insure in Louisiana, reflecting HLDI collision losses of 271 and comprehensive losses of 418 (100 = average). Louisiana's own base rates are 37% higher than the national average, which carries through to every model.

Louisiana factors that affect S-Class premiums

  • Uninsured drivers: 11.7% of Louisiana drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S-Class.
  • Theft: 182 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Louisiana's expected annual losses as relatively low for hail, relatively high for tornado, relatively high for hurricane, relatively moderate for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.36 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Louisiana →

Mercedes-Benz S-Class insurance cost in Louisiana cities

CityFull coverageMinimumvs. state
New Orleans$4,560$965+9%
Baton Rouge$4,560$960+9%
Shreveport$4,375$915+5%
Lafayette$4,425$940+6%
Lake Charles$4,305$905+3%
Kenner$4,885$1,030+17%
Bossier City$4,275$905+2%
Monroe$4,325$910+4%
Houma$4,435$940+6%

Mercedes-Benz S-Class insurance in Louisiana by driver

Estimated annual Mercedes-Benz S-Class premium in Louisiana
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,420 $3,900 $11,480 $957
Young adult (22) $1,410 $2,270 $6,680 $557
Adult in their 30s $880 $1,420 $4,175 $348
Adult in their 50s $810 $1,305 $3,840 $320
Senior (72) $985 $1,590 $4,675 $390
30s, one at-fault accident $1,275 $2,055 $6,050 $504
30s, DUI on record $1,630 $2,625 $7,720 $643

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $880 $73 $720–$1,040
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,420 $118 $1,165–$1,675
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $4,175 $348 $3,420–$4,925

Louisiana minimum: 15/30/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Louisiana

ModelFull coverage in LAvs. S-Class
BMW 7 Series$5,025+20%
BMW M3$5,590+34%
Acura TLX$2,980−29%
Audi RS 7$3,430−18%

Estimate your S-Class premium by ZIP code

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

Frequently asked questions

How much is Mercedes-Benz S-Class insurance in Louisiana?

About $4,175 a year ($348 a month) for full coverage and $880 for Louisiana's minimum liability, for a driver in their 30s with a clean record. That is 37% more than the national estimate for the same car.

Is the Mercedes-Benz S-Class cheaper to insure than the average car in Louisiana?

The average vehicle in Louisiana is about $2,200 a year for full coverage in our model, so the Mercedes-Benz S-Class is 90% more expensive than average.

Where in Louisiana is Mercedes-Benz S-Class insurance cheapest?

Among the largest Louisiana cities, Bossier City has the lowest estimate (about $4,275) and Kenner the highest (about $4,885).

What insurance do I need for a Mercedes-Benz S-Class in Louisiana?

Louisiana requires at least 15/30/25 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