Mercedes-Benz C-Class Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mercedes-Benz C-Class is more expensive to insure than the average car.
• Full coverage for a C-Class typically averages around $204 monthly, while liability only car insurance premiums average about $83.
• Workmens is the cheapest insurance carrier for a C-Class.

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C-Class Overview

The Mercedes-Benz C-Class is a mid-level car with broad appeal, with 2021 models starting at $41,600. With five different trim levels currently available, there's something there for every driver.

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Mercedes-Benz C-Class insurance prices run around $199 a month. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Mercedes-Benz C-Class?

If you look at the table above, you'll see that auto insurance rates for a Mercedes-Benz C-Class are higher than average. C-Class owners can expect to pay about $204 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 a month for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When compared to other models, the C-Class is slightly more expensive, with premiums more than 5% higher than the other vehicle types offered by Mercedes-Benz. Compared to offerings from other brands, car insurance for a C-Class is more expensive than average, with full coverage insurance rates coming in at $27 more than other cars and liability insurance prices averaging exactly the same rates.

Generally, they're just more expensive to insure than the average vehicle, no matter which body style, make, or model you compare it to.

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Who has the Cheapest Car Insurance for a Mercedes-Benz C-Class?

Looking for an auto insurance policy for your Mercedes-Benz C-Class? You might want to know which company offers the cheapest rates. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $29 per month from ACG. The next lowest carrier is Kemper Personal Insurance, who offers auto insurance sometimes as cheap as $36 per month.

CaliforniaCasualty, NationalGeneral, and FirstChicago finish off the rest of the top 5. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mercedes-Benz C-Class.

After all, your results might be different, since car insurance carriers look at several different factors when calculating premiums. By checking quotes from a variety of insurance companies at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Mercedes-Benz C-Class?

There are multiple variables that car insurance carriers look at to choose how much to charge you for a policy -- and every company weighs different factors more heavily than others, so there's not a single carrier that's the lowest for everyone.

Below are just a few of the things insurance companies look at and how each one affects your final rate:

Vehicle Age

Mercedes-Benz has been making the C-Class for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Based on the information in the table above, the Mercedes-Benz C-Class follows this trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest models are C-Classes that are 15 years old or more.

Your Age

Your age is another variable that plays a big role in how much you pay for car insurance. In the table above, you'll see that those with more experience pay less compared to young drivers. Mercedes-Benz C-Class drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for C-Class drivers being 55-64.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable rates. When it comes to C-Class drivers specifically, women pay around $7 less than men a month for auto insurance.

Where You Live

You were probably already aware that variables like what vehicle you drive and how old you are play a role in your insurance premiums, but you may not realize that where you live matters just as much. Since auto insurance is regulated on the state level and not nationally, prices can change quite a bit depending on which state you're located in.

For example, the average Mercedes-Benz C-Class owner from New York pays about $210 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than 50% of that price. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Mercedes-Benz C-Class Car Insurance Discounts

No matter which vehicle you drive, how old you are, or where you live, it's always in your best interest to take advantage of as many car insurance discounts as possible.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than by monthly payments
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Multi-vehicle discounts for having more than one car on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

These discounts are great, but sometimes, the best way to get great rates is to work on your overall insurance profile.

You obviously can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but there is quite bit in your control. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

It's no secret that car insurance carriers offer the cheapest prices to drivers with a history of responsible driving. It should be no surprise that your insurance premiums will go up if you get into a collision or get cited for speeding. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll notice that accidents will usually cost C-Class drivers more than tickets, but both will result in higher than normal rates. Mercedes-Benz C-Class drivers with one accident on their record pay about $97 each month (up $14 from the $83/mo. overall average), while drivers with a single ticket will pay an average of $94 monthly. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

The amount of miles you drive plays a role in your car insurance prices. Those who are on the roads less are more likely to go accident-free, so they'll normally get cheaper rates. In the table above, you can see that Mercedes-Benz C-Class owners who drive fewer than 2,500 miles a year pay about $72 per month for insurance, while those who put 10,000 miles or more on their cars pay $90.

But if you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Mercedes-Benz C-Classes Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Mercedes-Benz C-Class is on your shortlist, you might be wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

Review the table below to see how the Mercedes-Benz C-Class stacks up:

Overall, the Mercedes-Benz C-Class has an MSRP that's in line with the going rate for a new vehicle. The C-Class retails at $41,600, close to the national average vehicle MSRP of $46,296.

Although the purchase price is right in the middle of the spectrum, car insurance premiums run slightly below average when compared to the rest of the vehicle market. Full coverage insurance for a Mercedes-Benz C-Class is around $14 per month more than average, while liability only coverage is over $20 less monthly.

When it comes to usage, Mercedes-Benz C-Class drivers are pretty close to the national average in annual miles driven, with 11,638 miles per year compared to 11,617 for all vehicles.

Mercedes-Benz C-Class Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on what you'll pay for insurance. If you're thinking about buying a new vehicle and the C-Class is one you're considering, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2021 Mercedes-Benz C-Class Car Insurance 2020 Mercedes-Benz C-Class Car Insurance 2019 Mercedes-Benz C-Class Car Insurance 2018 Mercedes-Benz C-Class Car Insurance 2017 Mercedes-Benz C-Class Car Insurance 2016 Mercedes-Benz C-Class Car Insurance 2015 Mercedes-Benz C-Class Car Insurance 2014 Mercedes-Benz C-Class Car Insurance 2013 Mercedes-Benz C-Class Car Insurance 2012 Mercedes-Benz C-Class Car Insurance 2011 Mercedes-Benz C-Class Car Insurance 2010 Mercedes-Benz C-Class Car Insurance

2021 Mercedes-Benz C-Class Car Insurance

On average, drivers who own a 2021 C-Class can expect to pay $57 to $183 a month for liability only and full coverage car insurance, respectively.

DirectGeneral has rates as cheap as just $24 per month for the 2021 Mercedes-Benz C-Class.

Want to figure out exactly what you'll be asked to pay? Get several customized quotes for free by just entering your ZIP code below.

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2020 Mercedes-Benz C-Class Car Insurance

You can expect full coverage for a 2020 Mercedes-Benz C-Class to run about $229 a month, while liability only coverage will average around $83 monthly.

Mercury offered the lowest policy we found, with rates as low as $28 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2019 Mercedes-Benz C-Class Car Insurance

It costs about $80 per month for liability or $213 for a full coverage policy for the 2019 C-Class.

Looking for the cheapest policy? Amica offered liability only coverage for as little as $25 monthly.

If you want to know exactly how much you can expect to pay for your C-Class, just enter your ZIP code below and get several free quotes in minutes.

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2018 Mercedes-Benz C-Class Car Insurance

2018 Mercedes-Benz C-Class drivers can expect to pay an average of $75 a month for liability or $215 for full coverage.

We found Hugo offered the most affordable policy, with rates as little as just $19 per month.

If you want to know exactly how much you can expect to pay for your C-Class, just enter your ZIP code below and get free quotes in minutes.

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2017 Mercedes-Benz C-Class Car Insurance

The average cost to insure a 2017 C-Class with liability only coverage is $100 monthly, while full coverage runs around $229 per month.

With premiums sometimes as little as $16 monthly, Hugo offered the cheapest policy we found.

Want to know just how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

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2016 Mercedes-Benz C-Class Car Insurance

On average, drivers who own a 2016 Mercedes-Benz C-Class can expect to pay $93 to $222 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2016 Mercedes-Benz C-Class insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as cheap as $20 per month.

While these are good estimates of what the average driver might pay to insure a 2016 Mercedes-Benz C-Class, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Mercedes-Benz C-Class Car Insurance

You can expect full coverage for a 2015 C-Class to run about $215 monthly, while liability only coverage will average around $92 a month.

With rates sometimes as low as $19 per month, Clearcover offered the lowest policy we found for the 2015 Mercedes-Benz C-Class.

Interested in what your auto insurance premium will be? Enter your ZIP code below to get lots of customized quotes for free.

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2014 Mercedes-Benz C-Class Car Insurance

2014 Mercedes-Benz C-Class drivers can expect to pay an average of $101 monthly for liability or $207 for full coverage.

Mercury offered the cheapest policy we found, with rates as low as just $20 a month.

These average prices are a great starting point if you're in the market for a 2014 Mercedes-Benz C-Class, but there are a range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2013 Mercedes-Benz C-Class Car Insurance

It costs about $93 monthly for liability or $206 for a full coverage policy for the 2013 C-Class.

Looking for the most affordable policy? Mile Auto offered liability only coverage for as little as just $19 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2013 Mercedes-Benz C-Class, you can get free quotes in minutes by just entering your ZIP code below.

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2012 Mercedes-Benz C-Class Car Insurance

The average cost to insure a 2012 Mercedes-Benz C-Class with liability only coverage is $93 a month, while full coverage runs around $210 per month.

Mercury has premiums as low as just $20 monthly for the 2012 Mercedes-Benz C-Class.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2011 Mercedes-Benz C-Class Car Insurance

2011 C-Class drivers can expect to pay an average of $83 a month for liability or $189 for full coverage.

If you're looking for the cheapest possible 2011 Mercedes-Benz C-Class insurance policy, MetroMile offered the lowest policy we found, with rates sometimes as cheap as $20 monthly.

If you want to find the best rates for car insurance for a 2011 Mercedes-Benz C-Class, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

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2010 Mercedes-Benz C-Class Car Insurance

On average, drivers who own a 2010 Mercedes-Benz C-Class can expect to pay $90 to $197 a month for liability only and full coverage auto insurance, respectively.

We found Liberty Mutual offered the cheapest policy, with rates as low as $18 per month.

Want to know exactly what your car insurance price will be? Just enter your ZIP code below to get multiple free customized quotes.

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Mercedes-Benz C-Class Insurance FAQs

Is a Mercedes-Benz C-Class expensive to insure?

Liability insurance runs an average of $83 a month, while full coverage will cost you around $204. The Mercedes-Benz C-Class is more expensive to insure compared to the average car.

How can I get the best price on car insurance for my Mercedes-Benz C-Class?

The only way to be confident you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a multitude of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mercedes-Benz C-Class affect my insurance prices?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. While there are many variables auto insurance companies examine when they offer rates, the color of your C-Class is not used to make that determination.

Do I need to have insurance before I buy a Mercedes-Benz C-Class?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your insurance carrier know beforehand.

What car insurance discounts can I get for my Mercedes-Benz C-Class?

You will find all sorts of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your car and more on you, but if your C-Class has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about their discounts, since they shift quite a bit from company to company.