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

Quick Facts

• It costs more to insure a Mercedes-Benz G-Class than the average SUV.
• Liability insurance for a G-Class runs about $112 monthly, while full coverage usually tends to be around $284.
• The cheapest car insurance carrier for a G-Class is Hugo, who offers rates sometimes as low as $33 per month.

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G-Class Overview

The Mercedes-Benz G-Class is a high-end vehicle that is more expensive than your average SUV, with 2021 models starting at $131,600. You'll have your choice of two different trim levels, so there's an option for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Mercedes-Benz G-Class car insurance premiums average out to about $306 a month. Compared to other vehicles in the market, how do G-Class auto insurance prices stack up?

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

Looking at the table above, you'll find that when you compare the Mercedes-Benz G-Class to other vehicles, insurance rates are above average. G-Class drivers normally pay around $284 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $112 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other models, the G-Class is more expensive, with prices about 47% higher than Mercedes-Benz's other vehicle offerings. Compared to SUV offerings from other brands, insurance for a G-Class is similarly on the expensive side, with liability only insurance premiums coming in around 40% more and 88% more for full coverage.

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

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

Searching for an auto insurance policy for your Mercedes-Benz G-Class? You most likely want to know which company offers the most affordable rates. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $33 per month from Hugo. With car insurance as little as just $50 a month, Clearcover is the next lowest auto insurance carrier.

Amica, Mercury, and Dairyland finish off the rest of the top 5. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since car insurance companies look at a bunch of factors when calculating rates. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a bunch of insurance carriers.

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

There are a multitude of variables that car insurance companies take into account to determine how much to charge you for a policy -- and every company weighs certain factors more than others, so there's not one carrier that's the lowest for each driver.

The sections below show several things auto insurance carriers use to calculate rates:

Vehicle Age

The Mercedes-Benz G-Class has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and G-Classes begin to depreciate, insurance costs will gradually go lower.

As you can see in the information above, the Mercedes-Benz G-Class follows this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are G-Classes that are 1 year old or less.

Your Age

How old you are makes a significant difference in how much auto insurance companies will charge for a policy. In the table above, you'll see that drivers with more experience pay less compared to drivers under 24. Mercedes-Benz G-Class drivers who are 18 to 24 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the G-Class.

Your Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. The Mercedes-Benz G-Class follows this convention, and men pay about 20% more than women per month for car insurance.

Where You Live

You may already know that variables like how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live has just as much of an impact? Auto insurance is regulated at the state level, so premiums can differ quite a bit depending on which state you call home.

For example, the average Mercedes-Benz G-Class owner from New York pays around $469 monthly for liability coverage. Meanwhile, on average, the same driver from California will pay only 20% of that price.

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Mercedes-Benz G-Class Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

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

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

While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), but you can influence some of it. Below are just a few of the ones you can use to your favor when it comes to cost savings:

Your Driving Record

You've probably seen ads from car insurance companies offering large savings for good drivers. It should be no surprise that if you get a ticket for speeding or get into an accident, insurance prices will increase. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell from the table above, accidents will usually cost G-Class drivers less than tickets, but both will result in a raise in rates. Mercedes-Benz G-Class drivers with one ticket will pay an average of $98 per month, while drivers with a single accident on their record pay about $79 a month. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

How much you drive annually plays a big role when it comes to your auto insurance rates. Those who drive less are more likely to go accident-free, so they'll generally end up spending less on car insurance. Above, you can see that Mercedes-Benz G-Class owners who drive between 7,500 and 10,000 miles pay $141 for insurance, while those who drive between 2,500 and 5,000 miles per year pay an average of $81 a month.

If you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile car 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 G-Classes Compare to Other Vehicles?

If you're considering buying a Mercedes-Benz G-Class, it might be helpful to do your research. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering.

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

Overall, the Mercedes-Benz G-Class is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The G-Class goes for $131,600, a bit more expensive than the national average vehicle price of $46,296.

Similarly, auto insurance premiums run above average when compared to the rest of the vehicle market. Full coverage insurance for a Mercedes-Benz G-Class is about $193 per month more than average, while liability only coverage is more than $20 more monthly.

However, it is worth noting that the G-Class owners tend to drive their cars less than the average American driver, with only 8,340 annual miles for the average owner.

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

Thus far, you've seen how different factors affect a driver's insurance prices. If you're in the market for a new car, truck, or SUV and the G-Class is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Mercedes-Benz G-Class Car Insurance 2020 Mercedes-Benz G-Class Car Insurance 2019 Mercedes-Benz G-Class Car Insurance 2017 Mercedes-Benz G-Class Car Insurance 2016 Mercedes-Benz G-Class Car Insurance 2015 Mercedes-Benz G-Class Car Insurance 2014 Mercedes-Benz G-Class Car Insurance 2013 Mercedes-Benz G-Class Car Insurance 2012 Mercedes-Benz G-Class Car Insurance 2011 Mercedes-Benz G-Class Car Insurance 2010 Mercedes-Benz G-Class Car Insurance 2009 Mercedes-Benz G-Class Car Insurance

2021 Mercedes-Benz G-Class Car Insurance

It costs around $107 a month for liability or $362 for a full coverage policy for the 2021 G-Class.

Mercury offered the most affordable policy we found, with rates sometimes as little as $66 per month.

Want to find the best rates? Get multiple free personalized quotes by just entering your ZIP code below.

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2020 Mercedes-Benz G-Class Car Insurance

On average, drivers who own a 2020 Mercedes-Benz G-Class can expect to pay $82 to $294 monthly for liability only and full coverage car insurance, respectively.

We found Mercury offered the lowest policy, with rates as little as $35 a month.

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

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2019 Mercedes-Benz G-Class Car Insurance

2019 G-Class drivers can expect to pay an average of $206 per month for liability or $297 for full coverage.

If you're looking for the lowest possible 2019 Mercedes-Benz G-Class insurance policy, Hugo offered the cheapest policy we found, with rates as low as just $28 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2019 Mercedes-Benz G-Class, you can get free quotes in minutes by just entering your ZIP code below.

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2017 Mercedes-Benz G-Class Car Insurance

You can expect full coverage for a 2017 Mercedes-Benz G-Class to run about $514 per month, while liability only coverage will average around $516 monthly.

With rates as low as $48 a month, Mercury offered the most affordable policy we found for the 2017 Mercedes-Benz G-Class.

While these are good estimates of what the average driver might pay to insure a 2017 Mercedes-Benz G-Class, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2016 Mercedes-Benz G-Class Car Insurance

The average cost to insure a 2016 G-Class with liability only coverage is $105 monthly, while full coverage runs about $318 per month.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as just $50 a month.

Want to know exactly what your auto insurance premium will be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2015 Mercedes-Benz G-Class Car Insurance

It costs around $71 per month for liability or $228 for a full coverage policy for the 2015 Mercedes-Benz G-Class.

Dairyland has rates as cheap as $43 a month for the 2015 Mercedes-Benz G-Class.

These average premiums are a great starting point if you're in the market for a 2015 Mercedes-Benz G-Class, but there are a bunch of different things 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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2014 Mercedes-Benz G-Class Car Insurance

You can expect full coverage for a 2014 G-Class to run about $227 monthly, while liability only coverage will average around $119 a month.

With prices sometimes as cheap as $53 per month, CarnegieGeneral offered the most affordable policy we found.

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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2013 Mercedes-Benz G-Class Car Insurance

The average cost to insure a 2013 Mercedes-Benz G-Class with liability only coverage is $133 monthly, while full coverage runs about $325 per month.

If you're looking for the cheapest possible 2013 Mercedes-Benz G-Class insurance policy, Liberty Mutual offered the lowest policy we found, with rates as cheap as $55 a month.

Interested in what your car insurance premium could look like? Just enter your ZIP code below to get several personalized quotes for free.

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2012 Mercedes-Benz G-Class Car Insurance

2012 G-Class drivers can expect to pay an average of $94 monthly for liability or $238 for full coverage.

With rates sometimes as cheap as $67 a month, The General offered the most affordable policy we found for the 2012 Mercedes-Benz G-Class.

While these are good estimates of what the average driver might pay to insure a 2012 Mercedes-Benz G-Class, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Mercedes-Benz G-Class Car Insurance

On average, drivers who own a 2011 Mercedes-Benz G-Class can expect to pay $77 to $170 per month for liability only and full coverage insurance, respectively.

We found NationalGeneral offered the cheapest policy, with rates as little as $46 monthly.

What could your car insurance rate look like? Enter your ZIP code below to get lots of customized quotes for free.

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2010 Mercedes-Benz G-Class Car Insurance

You can expect full coverage for a 2010 G-Class to run around $119 a month, while liability only coverage will average about $188 monthly.

Looking for the lowest policy? Elephant offered liability only coverage for sometimes as low as $106 per month.

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

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2009 Mercedes-Benz G-Class Car Insurance

It costs around $107 a month for liability or $237 for a full coverage policy for the 2009 Mercedes-Benz G-Class.

Infinity offered the cheapest policy we found, with rates as low as $64 per month.

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

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Mercedes-Benz G-Class Insurance FAQs

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

Liability insurance runs an average of $112 monthly, while full coverage will cost you around $284. Compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum.

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

The only way to be sure you're getting the lowest price on insurance is to regularly shop around and compare quotes from a wide array of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

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

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. While there are several factors auto insurance carriers look at when they offer you a premium, your G-Class's color is not factored into that decision.

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

Before you can legally drive your new (or new to you) Mercedes-Benz G-Class off the dealership lot, you'll need to have valid insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but it's best to let your car insurance carrier know before you buy.

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

There are a wide array of different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your G-Class has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance company and ask about their discounts.