Mercedes-Benz S-Class Insurance Cost in Oklahoma

Insuring a Mercedes-Benz S-Class in Oklahoma costs about $3,080 a year ($257/month) for full coverage by our estimate — +1% versus the same car nationally — the 15th 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 Oklahoma at a glance

Full coverage

$3,080

$2,525–$3,635

25/50/25 minimum

$525

$44/mo

Same car nationally

$3,045

full coverage

Avg. car in OK

$1,440

+114% for the S-Class

The Mercedes-Benz S-Class is 2.1 times the average vehicle to insure in Oklahoma, reflecting HLDI collision losses of 271 and comprehensive losses of 418 (100 = average). Oklahoma's own base rates are 15% lower than the national average, which carries through to every model.

Oklahoma factors that affect S-Class premiums

Uninsured drivers: 12.0% of Oklahoma drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S-Class.
Theft: 195 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Oklahoma's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.39 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Oklahoma →

Mercedes-Benz S-Class insurance cost in Oklahoma cities

City	Full coverage	Minimum	vs. state
Oklahoma City	$3,305	$565	+7%
Tulsa	$3,320	$565	+8%
Norman	$3,225	$550	+5%
Broken Arrow	$3,395	$575	+10%
Edmond	$3,335	$570	+8%
Lawton	$3,105	$530	+1%
Moore	$3,485	$595	+13%
Midwest City	$3,455	$590	+12%
Durant	$3,020	$525	−2%

Mercedes-Benz S-Class insurance in Oklahoma by driver

Estimated annual Mercedes-Benz S-Class premium in Oklahoma
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,440	$2,090	$8,470	$706
Young adult (22)	$840	$1,215	$4,930	$411
Adult in their 30s	$525	$760	$3,080	$257
Adult in their 50s	$480	$700	$2,835	$236
Senior (72)	$585	$850	$3,450	$288
30s, one at-fault accident	$760	$1,105	$4,465	$372
30s, DUI on record	$970	$1,405	$5,700	$475

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.	$525	$44	$430–$620
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$760	$63	$625–$895
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$3,080	$257	$2,525–$3,635

Oklahoma minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oklahoma

Model	Full coverage in OK	vs. S-Class
BMW 7 Series	$3,590	+17%
BMW M3	$3,970	+29%
Acura TLX	$2,210	−28%
Audi RS 7	$2,465	−20%

Estimate your S-Class premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

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

Estimated annual premium

—

Per month

—

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 Oklahoma?

About $3,080 a year ($257 a month) for full coverage and $525 for Oklahoma's minimum liability, for a driver in their 30s with a clean record. That is 1% more than the national estimate for the same car.

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

The average vehicle in Oklahoma is about $1,440 a year for full coverage in our model, so the Mercedes-Benz S-Class is 2.1 times average.

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

Among the largest Oklahoma cities, Durant has the lowest estimate (about $3,020) and Moore the highest (about $3,485).

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

Oklahoma requires at least 25/50/25 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