Estimates, not quotes

Mercedes-Benz S-Class Insurance Cost in Wisconsin

Insuring a Mercedes-Benz S-Class in Wisconsin costs about $2,285 a year ($190/month) for full coverage by our estimate — −25% versus the same car nationally — the 8th cheapest 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 Wisconsin at a glance

Full coverage
$2,285
$1,875–$2,695
25/50/10 minimum
$415
$35/mo
Same car nationally
$3,045
full coverage
Avg. car in WI
$1,095
+109% for the S-Class

The Mercedes-Benz S-Class is 2.1 times the average vehicle to insure in Wisconsin, reflecting HLDI collision losses of 271 and comprehensive losses of 418 (100 = average). Wisconsin's own base rates are 28% lower than the national average, which carries through to every model.

Wisconsin factors that affect S-Class premiums

  • Uninsured drivers: 15.6% of Wisconsin drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S-Class.
  • Theft: 132 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Wisconsin'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: 0.86 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Wisconsin →

Mercedes-Benz S-Class insurance cost in Wisconsin cities

CityFull coverageMinimumvs. state
Milwaukee$2,615$475+14%
Madison$2,495$450+9%
Green Bay$2,395$440+5%
Kenosha$2,550$465+12%
Racine$2,580$470+13%
Appleton$2,440$445+7%
Eau Claire$2,335$425+2%
Waukesha$2,480$450+9%

Mercedes-Benz S-Class insurance in Wisconsin by driver

Estimated annual Mercedes-Benz S-Class premium in Wisconsin
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,140 $1,650 $6,280 $523
Young adult (22) $660 $960 $3,655 $305
Adult in their 30s $415 $600 $2,285 $190
Adult in their 50s $380 $550 $2,100 $175
Senior (72) $465 $670 $2,560 $213
30s, one at-fault accident $600 $870 $3,310 $276
30s, DUI on record $765 $1,110 $4,225 $352

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. $415 $35 $340–$490
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $600 $50 $490–$710
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,285 $190 $1,875–$2,695

Wisconsin minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Wisconsin

ModelFull coverage in WIvs. S-Class
BMW 7 Series$2,680+17%
BMW M3$2,970+30%
Acura TLX$1,635−28%
Audi RS 7$1,835−20%

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 Wisconsin?

About $2,285 a year ($190 a month) for full coverage and $415 for Wisconsin's minimum liability, for a driver in their 30s with a clean record. That is 25% less than the national estimate for the same car.

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

The average vehicle in Wisconsin is about $1,095 a year for full coverage in our model, so the Mercedes-Benz S-Class is 2.1 times average.

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

Among the largest Wisconsin cities, Eau Claire has the lowest estimate (about $2,335) and Milwaukee the highest (about $2,615).

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

Wisconsin requires at least 25/50/10 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