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

Quick Facts

• A Mercedes-Benz CL is more expensive to insure compared to the average car.
• Liability insurance for a CL runs about $80 monthly, while full coverage normally comes in at around $226.
• At sometimes as cheap as $34 per month for liability only coverage, Workmens is the lowest auto insurance carrier for a CL.

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CL Overview

The Mercedes-Benz CL is on the more expensive end of the spectrum, with 2014 models starting at $116,600. There's a CL for every driver, with four different trim options available.

Based on analyzing thousands of car insurance quotes from Compare.com, we've determined that, on average, Mercedes-Benz CL auto insurance premiums run about $182 monthly. But how does that fare against its competitors?

How Much is Car Insurance for a Mercedes-Benz CL?

Looking at the table above, you can see that Mercedes-Benz CL insurance rates are above average. CL drivers generally pay around $226 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other models, the CL is more expensive, with prices about 17% higher than the other vehicle types offered by Mercedes-Benz. Compared to offerings from other brands, insurance for a CL runs close to average, with liability insurance rates 4% cheaper than other cars and full coverage insurance premiums coming in 28% higher.

When compared to all vehicles of any body type, the CL is slightly more affordable for liability only car insurance, but full coverage prices are more expensive on average.

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

Shopping around for an auto insurance policy for your Mercedes-Benz CL? You're likely interested in which company offers the cheapest premiums. While rates can change considerably depending on your driver profile, the cheapest average rates for liability only insurance are as little as just $24 monthly from StateAuto. The runner up for most affordable rates is Workmens, with insurance policies starting sometimes as low as $34 per month.

Completing the top 5 companies are Dairyland, Mile Auto, and Horace Mann. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers take a lot of different factors into consideration when calculating monthly premiums. The only way to guarantee you'll find the lowest rates is to compare quotes from a wide array of car insurance companies.

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

There are many pieces that auto insurance carriers examine to determine how much they charge you for a policy -- and every carrier uses a different formula, so there's not a singular company that's the cheapest for each CL owner.

The following sections show a bunch of variables insurance companies use to calculate rates:

Vehicle Age

The Mercedes-Benz CL has been around for a while, so vehicle age may play a role in what you end up paying for car insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

A new Mercedes-Benz CL model hasn't been added to the market for over 5 years, so the CL won't really fit this trend. However, as you can see in the table above, the most expensive Mercedes-Benz CLs to insure are those that are 11 to 14 and 15 or more years old, while the cheapest models are CLs that are 4 to 5 years old, on average.

Your Age

Age is another variable that makes a big difference in how much you pay for auto insurance. In the table above, you'll see that older CL drivers have cheaper premiums than younger drivers. Mercedes-Benz CL drivers 18 to 24 actually pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for CL drivers.

Your Gender

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable prices. For CL owners, that difference is around $7 a month, with men paying an average of $77 and women looking at around $84.

Where You Live

It may be obvious that things such as what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live matters just as much? Because auto insurance is regulated on the state level rather than nationally, prices fluctuate quite a bit from state to state.

For example, the average Mercedes-Benz CL driver from New York pays about $144 per month for liability coverage, while on average, the same Californian owner will pay less than 50% of that price.

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Mercedes-Benz CL Car Insurance Discounts

No matter what state you live in, which car you drive, or how old you are, using as many discounts as possible when it comes to your insurance is always the smart move when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than in monthly installments

These are just a few of the discounts car insurance companies offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Of course, you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the variables you can use to your favor in order to save on auto insurance:

Your Driving Record

You've no doubt observed ads from car insurance carriers posting hefty savings for good drivers. And you probably wouldn't be surprised that your insurance rates will get higher if you get tickets for speeding or get into an accident. But exactly how much can it cost you for these infractions?

As you can tell, accidents will usually cost CL drivers less than tickets, but both will cause a significant increase in rates. Mercedes-Benz CL drivers with one ticket will pay an average of $104 a month, while drivers with a single accident on their record pay about $89 per month (up $9 from the $80/mo. overall average). The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

Another factor that plays a role in your car insurance prices is the total distance you drive. Those who drive less are less likely to get tickets, so they'll usually end up paying less for insurance. In the above table, you can see that Mercedes-Benz CL owners who drive fewer than 2,500 miles every year pay about $66 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $73.

If you don't use your Mercedes-Benz CL that often, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Mercedes-Benz CLs Compare to Other Vehicles?

If you're considering making a Mercedes-Benz CL your next vehicle, you might want to know how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Mercedes-Benz CL compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Mercedes-Benz CL is on the more expensive side when it comes to price. While the national average vehicle price is $39,832, the CL comes in above that at $116,600. And since there hasn't been a new CL model on the market in the last few years, used prices will be even lower.

In the same fashion, car insurance premiums run above average when compared to the rest of the vehicle market. Full coverage insurance for a Mercedes-Benz CL is around $82 per month more than average, while liability only coverage is more than $30 more a month.

When it comes to usage, Mercedes-Benz CL owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles a year compared to the CL's 9,292 each year.

Mercedes-Benz CL Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays to insure a Mercedes-Benz CL. If you're in thinking about buying a new car, truck, or SUV and the CL is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2014 Mercedes-Benz CL Car Insurance 2013 Mercedes-Benz CL Car Insurance 2012 Mercedes-Benz CL Car Insurance 2011 Mercedes-Benz CL Car Insurance 2010 Mercedes-Benz CL Car Insurance 2009 Mercedes-Benz CL Car Insurance 2008 Mercedes-Benz CL Car Insurance 2007 Mercedes-Benz CL Car Insurance 2006 Mercedes-Benz CL Car Insurance 2005 Mercedes-Benz CL Car Insurance 2004 Mercedes-Benz CL Car Insurance 2003 Mercedes-Benz CL Car Insurance 2002 Mercedes-Benz CL Car Insurance

2014 Mercedes-Benz CL Car Insurance

2014 CL drivers can expect to pay an average of $118 per month for liability or $251 for full coverage.

With prices sometimes as little as $118 monthly, Jupiter offered the most affordable policy we found for the 2014 Mercedes-Benz CL.

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

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2013 Mercedes-Benz CL Car Insurance

You can expect full coverage for a 2013 Mercedes-Benz CL to run about $206 a month, while liability only coverage will average around $61 per month.

MetLife has rates as low as $39 monthly for the 2013 Mercedes-Benz CL.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 Mercedes-Benz CL Car Insurance

It costs about $97 per month for liability or $279 for a full coverage policy for the 2012 CL.

With premiums as cheap as just $53 monthly, MetLife offered the cheapest policy we found.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Mercedes-Benz CL Car Insurance

On average, drivers who own a 2011 Mercedes-Benz CL can expect to pay $123 to $213 a month for liability only and full coverage insurance, respectively.

Mercury offered the most affordable policy we found, with rates as little as $30 monthly.

If you want to know exactly how much you can expect to pay for your CL, get free quotes in minutes by just entering your ZIP code below.

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2010 Mercedes-Benz CL Car Insurance

The average cost to insure a 2010 CL with liability only coverage is $53 per month, while full coverage runs around $201 a month.

We found StateAuto offered the lowest policy, with rates as cheap as $24 monthly.

Want something more accurate than national averages? Just enter your ZIP code below to get several personalized quotes for free.

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2009 Mercedes-Benz CL Car Insurance

2009 Mercedes-Benz CL drivers can expect to pay an average of $45 a month for liability or $197 for full coverage.

If you're looking for the most affordable 2009 Mercedes-Benz CL insurance policy, Elephant offered the most affordable policy we found, with rates as low as just $33 per month.

If you want to find the best rates for auto insurance for a 2009 Mercedes-Benz CL, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2008 Mercedes-Benz CL Car Insurance

The average cost to insure a 2008 CL with liability only coverage is $93 a month, while full coverage runs about $235 monthly.

Looking for the cheapest policy? Elephant offered liability only coverage for as little as just $25 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2007 Mercedes-Benz CL Car Insurance

You can expect full coverage for a 2007 Mercedes-Benz CL to run around $203 monthly, while liability only coverage will average about $92 per month.

If you're looking for the lowest possible 2007 Mercedes-Benz CL insurance policy, ACG offered the lowest policy we found, with rates as low as just $17 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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2006 Mercedes-Benz CL Car Insurance

On average, drivers who own a 2006 CL can expect to pay $58 to $158 monthly for liability only and full coverage car insurance, respectively.

StateAuto has prices as low as $23 per month for the 2006 Mercedes-Benz CL.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

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2005 Mercedes-Benz CL Car Insurance

It costs around $68 a month for liability or $232 for a full coverage policy for the 2005 Mercedes-Benz CL.

With premiums sometimes as little as $21 per month, Clearcover offered the most affordable policy we found.

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

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2004 Mercedes-Benz CL Car Insurance

The average cost to insure a 2004 CL with liability only coverage is $79 a month, while full coverage runs about $148 monthly.

MetroMile offered the lowest policy we found, with rates sometimes as low as $32 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2003 Mercedes-Benz CL Car Insurance

You can expect full coverage for a 2003 Mercedes-Benz CL to run around $196 per month, while liability only coverage will average about $94 monthly.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as cheap as $37 a month.

Interested in what your auto insurance price could look like? Get multiple personalized quotes for free by just entering your ZIP code below.

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2002 Mercedes-Benz CL Car Insurance

On average, drivers who own a 2002 CL can expect to pay $83 to $270 per month for liability only and full coverage insurance, respectively.

We found Workmens offered the lowest policy, with rates as cheap as just $31 monthly.

If you want to find the best prices for car insurance for a 2002 Mercedes-Benz CL, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

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Mercedes-Benz CL Insurance FAQs

Is a Mercedes-Benz CL expensive to insure?

Liability insurance runs an average of $80 per month, while full coverage will cost you around $226. The Mercedes-Benz CL is relatively expensive to insure compared to the average car.

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

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from numerous 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 several carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mercedes-Benz CL affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. There are an array of things insurance companies look at when they calculate your prices, but your car's color is not used to make that determination.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid car insurance policy. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance company know beforehand.

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

There are a wide array of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your CL and more on you, but if your CL has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to reach out to your insurance carrier and ask about their discounts, since they differ quite a bit from company to company.