Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Luxury and high-performance car owners expect to pay higher than average car insurance premiums due to the high cost of repair and replacement
  • Most Mercedes-Benz car owners shop carefully just before each renewal date for insurance and may end up paying less than what similar drivers pay for cars of much lower value
  • Research quotes beforehand to better prepare for the insurance costs of your new vehicle

What is it like to own a Mercedes-Benz? 

Five of the top ten most expensive cars to insure are produced by Mercedes-Benz.

Luxury and high-performance car owners expect to pay higher than average car insurance premiums due to the high cost of repair and replacement.

This class of car owner also tends to be more spirited by testing limits and routinely receives a higher than average number of moving violations.

Most Mercedes Benz car owners shop carefully just before each renewal date for insurance and may end up paying less than what similar drivers pay for cars of much lower value.

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What is the moderate value Mercedes-Benz insurance cost in a low priced region?


To answer this question, we have a few examples for the cost of insurance with specific drivers in certain locations. The insurance rate will fluctuate depending on the scenario.

Adele who is 37 lives in Columbus, Ohio with her 2012 C250, one of the most popular vehicles for young and affluent Americans. With her good driving record, these monthly payment options for premium level coverage are available for Adele:

  • Grange  $97.00
  • State Farm $142.00
  • Erie  $143.00
  • Nationwide – $196.00
  • Allstate – $276.00
  • Progressive  $299.00
  • Farmers  $417.00

Sadly, while waiting for a red light last November, Adele accelerated for the green light, forgetting that she was behind another vehicle.

There were no injuries in this typical type of mishap, but the damages to the other vehicle were in excess of $2,000.00.

At renewal, Adele’s insurance choices will change to these monthly payments:

  • Grange $166.00
  • State Farm – $168.00
  • Erie  $179.00
  • Nationwide – $304.00
  • Allstate – $395.00
  • Progressive – $406.00
  • Farmers – $528.00

Due to the damage done to the other car, Adele’s insurance policy will change. However, it’s better to have the type of coverage that will off you some form of protection even if the annual premium goes up.

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What would luxury level e-class insurance prices look like in mid-range state?

Brian is 40 years old and lives in Seattle. His 2012 Mercedes Benz E-Class ranks number one on the most popular car list of wealthy Americans.

Monthly payments for premium level coverage in Seattle for a driver similar to Brian who has not had any accidents, but has received a single traffic ticket are listed here:

  • PEMCO  $155.00
  • State Farm  $182.00
  • USAA  $183.00
  • Farmers  $203.00
  • Allstate  $258.00
  • American Family  $299.00
  • Progressive – $433.00

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What does coverage for a Mercedes-Benz SUV crossover in a mid-range state look like?

Small crossover vehicles are a hit around the world.

Mercedes Benz loyalists are not switching brands, but they are selecting a side of utility with their luxury.

Gwen is 47, loves her 2014 GLK and lives in Minneapolis.

Minnesota is on the low end of the mid-priced states for car insurance prices. Premium level car insurance monthly payments for Gwen’s GLK are listed here:

  • State Farm  $176.00
  • Western National  $193.00
  • American Family – $220.00
  • Allstate – $280.00
  • AutoOwners – $280.00
  • Travelers – $284.00
  • Farmers  $292.00
  • Progressive  $388.00
  • Liberty Mutual  $660.00

A non-injury at-fault accident would increase Gwen’s car insurance expense a small amount and her coverage options would look like this:

  • Western National – $194.00
  • State Farm – $205.00
  • American Family – $244.00
  • Farmers – $258.00
  • AutoOwners – $264.00
  • Travelers – $304.00
  • Progressive – $318.00
  • Allstate – $362.00
  • Liberty Mutual  $967.00

What would monthly insurance payments for the most expensive Mercedes-Benz in the highest priced state look like?


Will is 58 years old and lives in Bloomfield Hills, Michigan.

He drives a Mercedes-Benz S-Class, which is the most popular of the top six super luxury cars. In addition to luxury amenities, power and performance, the S-Class is also appreciated for reliability and safety.

It is likely that Will has a selection of vehicles qualifying him for a multi-car discount as well as an umbrella policy, which is a type of coverage that would reduce the cost for all of his insurance needs by bundling.

But if someone like Will were to be shopping for premium level insurance on an S-Class Mercedes Benz, these would be the choices in monthly payment form:

  • AutoOwners  $285.00
  • Frankenmuth  $409.00
  • Hanover – $460.00
  • Progressive – $525.00
  • State Farm – $975.00
  • Allstate – $1,128.00
  • AAA – $1,364.00

An at-fault fender bender would increase the payments to these amounts:

  • AutoOwners – $339.00
  • Frankenmuth – $602.00
  • Hanover  $684.00
  • Progressive – $835.00
  • State Farm – $1,164.00
  • AAA – $1,364.00
  • Allstate  $1,597.00

If alcohol is a factor, two insurance companies would be dropped from the list, and rates would increase to these amounts:

  • AutoOwners – $827.00
  • Hanover – $885.00
  • Progressive  $894.00
  • AAA – $1,763.00
  • State Farm – $2,630.00

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What is the monthly insurance payment like for a 2-Seater Roadster in southern California?

Bonnie is 47 years old and loves driving a sports car with a convertible top. The Mercedes-Benz SLK is the roomiest and most comfortable roadster available.

In Hollywood Hills, California, a mid-priced area for car insurance, Bonnie can choose between these companies and these monthly payments for her 2009 Mercedes Benz sports car:

  • USAA – $184.00
  • 21st Century  $243.00
  • AAA – $277.00
  • State Farm – $287.00
  • Mid-Century  $323.00
  • Allstate – $327.00
  • Geico  $358.00
  • Liberty Mutual – $424.00

California law requires car insurance companies to give a good driver discount of 20 percent to all licensed drivers who qualify.

Licensed drivers who receive traffic violations that do not involve alcohol or property damage may attend traffic school for each incident and keep the good driver discount as long as the incidents are at least 18 months apart.

Bonnie has received two tickets in the past 3 years and kept her discount by attending traffic school.

If Bonnie were to be involved in one at-fault accident involving alcohol, her monthly payments would increase considerably:

  • USAA – $564.00
  • Mid-Century – $678.00
  • AAA  $776.00
  • Geico  $941.00
  • State Farm – $1,381.00
  • Allstate  $1,572.00
  • Liberty Mutual  $1,611.00

Mercedes-Benz vehicles are valued for safety as much as luxury and performance, but drivers have to be mindful and provide protection for their cars.

Mercedes-Benz ownership is not limited to wealthy drivers. Many middle-class drivers purchase the more moderately priced models or available resale vehicles, shop carefully for car insurance, look for policy discounts, and take a lot of pleasure in their daily driving. Find an insurance company who will be the right fit for you and your car, and all that remains is to enjoy cruising.

Be sure to use the FREE car insurance comparison tool at the bottom of this page to start your search!