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

Quick Facts

• It costs more to insure a Mercedes-Benz S-Class than the average car.
• Liability only auto insurance prices for a S-Class come in at around $83 per month, while full coverage normally comes in at about $246.
• Commonwealth Casualty provides the most affordable average premiums for a S-Class with liability only coverage offered for as low as $32 a month.

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S-Class Overview

The Mercedes-Benz S-Class is a high-end car on the more expensive end of the spectrum, with base prices starting at $109,800 for 2021 models. With six different trim levels currently available, there's something there for every driver.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that average Mercedes-Benz S-Class insurance rates run around $279 monthly. But how does that compare to other similar cars on the market?

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

If you look at the table above, you'll find that Mercedes-Benz S-Class insurance premiums are above average. S-Class drivers can expect to pay about $246 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 per month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other models, the S-Class is more expensive, with rates around 27% higher than the other vehicle types offered by Mercedes-Benz. Compared to offerings from other brands, auto insurance for a S-Class is more expensive than average, with liability insurance premiums averaging exactly the same rates, but full coverage insurance prices coming in at $69 more than other cars.

When compared to all vehicles, regardless of model, make, or body style, the S-Class follows a similar pattern of having above average insurance rates.

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

Are you looking for an auto insurance policy for your Mercedes-Benz S-Class? You're probably most interested in which carrier offers the cheapest rates. Even though prices can fluctuate pretty significantly from between drivers, the lowest average rates for liability only insurance are as little as just $26 a month from Shelter Mutual. The runner up for cheapest rates is Commonwealth Casualty, with car insurance policies starting sometimes as little as $32 per month.

Rounding out the list are MetLife, Infinity, and Workmens. But 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.

Insurance companies take many factors into consideration when calculating monthly premiums. By getting quotes from a wide array of insurance carriers at once, you can be confident you're finding the lowest rate.

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

There are an array of variables that car insurance companies take a look at to calculate how much to charge for auto insurance -- and every company weighs different pieces more heavily than others, so there's not one carrier that's the cheapest for each S-Class owner.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

Mercedes-Benz has been making the S-Class for quite some time, so the car's age may play a role in how much you'll pay for car insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

From the table above, you can see the Mercedes-Benz S-Class does not follow this trend, as the cheapest models to insure are those that are 1 year old or less, while the most expensive models are 4 to 5 years old, on average.

Your Age

Your age is another variable that makes a significant difference in how much you pay for auto insurance. As you can see above, older drivers pay less compared to the youngest S-Class drivers. Mercedes-Benz S-Class drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for S-Class drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, women generally pay less for car insurance than men. Surprisingly, for S-Class drivers, this trend does not hold, and women pay more for their auto insurance than men.

Where You Live

You might think it's common sense that variables such as what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can have just as much as an impact? Because car insurance is regulated on a state-by-state basis, prices change quite a bit from state to state.

For example, the average Mercedes-Benz S-Class driver from New York pays about $205 monthly for liability coverage, while on average, the same Californian owner will pay less than 50% of that price. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

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Mercedes-Benz S-Class Car Insurance Discounts

Regardless of what vehicle you drive, how old you are, or what state you call home, it's always a good idea to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

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:

• 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 a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments

These are just a few of the discounts auto insurance carriers offer, and sometimes, the best way to get great rates is to work on your overall insurance profile.

Although you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), there is quite a bit that you can control. Below are just a few of the factors you can use in your favor in order to save money on insurance:

Your Driving Record

You've most likely noticed ads from car insurance companies posting hefty savings for responsible drivers. It should be no surprise that your insurance prices will increase if you get a speeding ticket or get into a collision. But how much will they cost you?

As you can see, accidents will usually cost S-Class drivers less than tickets, but both will cause a significant increase in rates. Mercedes-Benz S-Class drivers with one accident on their record pay about $100 each month (up $17 from the $83/mo. overall average), while drivers with a single ticket will pay an average of $105 a month. The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

Another factor that plays a big role in your auto insurance premiums is the total distance you drive each year. Those who drive less have fewer opportunities to get into an accident, so they'll typically get cheaper rates. Based on the table above, you can see that Mercedes-Benz S-Class owners who drive fewer than 2,500 miles every year pay about $69 monthly for insurance, while those who put 10,000 miles or more on their cars pay $82.

If you don't use your Mercedes-Benz S-Class that often, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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

If you're considering purchasing a new car and a Mercedes-Benz S-Class is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth taking into consideration.

Take a look at the table below to see how the Mercedes-Benz S-Class compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Mercedes-Benz S-Class is more expensive than average. At $109,800, the S-Class price comes in above the national average MSRP of $46,296.

Full coverage insurance for a Mercedes-Benz S-Class is, while liability only coverage is $8 cheaper per month.

However, it is worth noting that the S-Class owners tend to drive their cars less than the average American driver, with only 10,270 annual miles for the average owner.

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

Thus far, you've seen how different things have an impact on how much the average driver pays to insure a Mercedes-Benz S-Class. But if you're in thinking about buying a new car, truck, or SUV and the S-Class is on your wishlist, knowing how much your vehicle will likely cost can be helpful as you consider your options.

Choose Your Model

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

2021 Mercedes-Benz S-Class Car Insurance

The average cost to insure a 2021 S-Class with liability only coverage is $73 monthly, while full coverage runs around undefined per month.

We found SafeAuto offered the most affordable policy, with rates as cheap as $73 a month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

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2020 Mercedes-Benz S-Class Car Insurance

2020 Mercedes-Benz S-Class drivers can expect to pay an average of $48 monthly for liability or $310 for full coverage.

If you're looking for the most affordable 2020 Mercedes-Benz S-Class insurance policy, Esurance offered the lowest policy we found, with rates as low as just $48 per 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 S-Class Car Insurance

You can expect full coverage for a 2019 S-Class to run about $236 a month, while liability only coverage will average around $47 per month.

With rates sometimes as low as $37 a month, Workmens offered the most affordable policy we found for the 2019 Mercedes-Benz S-Class.

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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2018 Mercedes-Benz S-Class Car Insurance

It costs about $31 monthly for liability or $204 for a full coverage policy for the 2018 Mercedes-Benz S-Class.

Shelter Mutual has prices as little as $26 per month for the 2018 Mercedes-Benz S-Class.

These average premiums are a great starting point if you're in the market for a 2018 Mercedes-Benz S-Class, but there are a whole range of variables 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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2017 Mercedes-Benz S-Class Car Insurance

On average, drivers who own a 2017 S-Class can expect to pay $99 to $385 a month for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as cheap as $29 monthly.

What will your car insurance rate be? Enter your ZIP code below to get a variety of personalized quotes for free.

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2016 Mercedes-Benz S-Class Car Insurance

2016 Mercedes-Benz S-Class drivers can expect to pay an average of $98 a month for liability or $323 for full coverage.

With rates as cheap as just $36 per month, DirectGeneral offered the most affordable policy we found.

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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2015 Mercedes-Benz S-Class Car Insurance

The average cost to insure a 2015 S-Class with liability only coverage is $82 monthly, while full coverage runs around $262 per month.

Mercury offered the cheapest policy we found, with rates as low as $22 monthly.

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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2014 Mercedes-Benz S-Class Car Insurance

It costs about $151 a month for liability or $342 for a full coverage policy for the 2014 Mercedes-Benz S-Class.

We found MetroMile offered the lowest policy, with rates sometimes as little as $35 monthly.

Interested in what your auto insurance price will be? Just enter your ZIP code below to get several personalized quotes for free.

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2013 Mercedes-Benz S-Class Car Insurance

On average, drivers who own a 2013 S-Class can expect to pay $83 to $234 per month for liability only and full coverage insurance, respectively.

With prices as little as just $37 a month, Clearcover offered the most affordable policy we found.

If you want to find the best rates for auto insurance for a 2013 Mercedes-Benz S-Class, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2012 Mercedes-Benz S-Class Car Insurance

You can expect full coverage for a 2012 Mercedes-Benz S-Class to run around $232 monthly, while liability only coverage will average about $108 per month.

MetLife offered the cheapest policy we found, with rates as cheap as $23 a month.

While these are good estimates of what the average driver might pay to insure a 2012 Mercedes-Benz S-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 S-Class Car Insurance

On average, drivers who own a 2011 S-Class can expect to pay $101 to $232 monthly for liability only and full coverage car insurance, respectively.

With prices sometimes as cheap as $38 a month, Clearcover offered the lowest policy we found for the 2011 Mercedes-Benz S-Class.

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

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2010 Mercedes-Benz S-Class Car Insurance

It costs around $101 per month for liability or $287 for a full coverage policy for the 2010 Mercedes-Benz S-Class.

Mercury has premiums as low as just $26 a month for the 2010 Mercedes-Benz S-Class.

Interested in exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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Mercedes-Benz S-Class Insurance FAQs

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

Liability insurance runs an average of $83 per month, while full coverage will cost you around $246. The Mercedes-Benz S-Class is more expensive to insure compared to the average vehicle.

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

The only way to confirm you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from several carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

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

You might have heard the old adage that red cars cost more to insure, but that's actually not true. While there are many factors car insurance carriers think about when they offer you a premium, the color of your car isn't one of them.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you one during the purchase process, but your best bet is letting your auto insurance company know ahead of time.

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

There are a variety of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your S-Class and more on you, but if your S-Class has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance carrier and ask about which discounts they offer.