Mercedes-Benz A Car Insurance Cost 2025
On average, insuring a Mercedes-Benz A-Class costs $1,200 per year. However, your actual premium may vary based on factors like your age, location, driving history, and the model year of your vehicle. To get a more personalized estimate, you can refer to our quote tables below and compare rates from different insurance providers.
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The average cost to insure a 2025 Mercedes-Benz A-Class is approximately $1,200 per year, or about $100 per month for full coverage.
While it’s one of the more affordable models in the Mercedes lineup, the A-Class is still considered a luxury vehicle, which typically results in higher insurance costs than mainstream compact cars.
Premiums can be influenced by the vehicle’s advanced features, higher repair costs, and brand prestige. However, its strong safety ratings and smaller engine help keep rates lower than other luxury sedans. Drivers can reduce their costs by comparing quotes and maintaining a clean driving record.
How Much Does Mercedes-Benz A Car Insurance Cost?
Typically, Mercedes-Benz A-Class drivers can expect to pay an average of $1,200 per year for car insurance. However, individual rates may vary depending on factors such as age, location, driving history, and coverage options.
It’s important to understand that car insurance costs can vary widely based on multiple factors, including your location, driving history, vehicle model year, and selected coverage options. Maintaining a clean driving record can help lower premiums, whereas accidents or traffic violations may lead to higher costs.
Living in a high-traffic urban area can also increase insurance rates compared to rural locations with fewer vehicles on the road. Additionally, the type of coverage you choose plays a significant role—comprehensive insurance, which includes both collision and non-collision damage, typically costs more than minimum liability coverage.
As shown in the table below, insuring a Mercedes-Benz A-Class tends to be more expensive than the average cost for all Mercedes models and pricier than the overall average for all cars.
To find the best rates tailored to your profile, Insuranceopedia provides tools to compare quotes from various auto insurance providers, helping you secure the most competitive deal.
| Vehicle | Average Monthly Premium |
| Mercedes-Benz A | $223 |
| All Mercedes | $204 |
| All Cars | $175 |
Average Insurance Cost Of Mercedes-Benz A Model Year
| Model Year | Average Premium |
| 2025 Mercedes-Benz A | $1,216 |
| 2024 Mercedes-Benz A | $1,249 |
| 2022 Mercedes-Benz A | $1,048 |
| 2021 Mercedes-Benz A | $1,311 |
| 2020 Mercedes-Benz A | $1,346 |
| 2019 Mercedes-Benz A | $1,209 |
| 2019 Mercedes-Benz A | $1,040 |
2025 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2025 Mercedes-Benz A Car Insurance is $1,216. However, USAA offers the cheapest rates, averaging $1,170 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,235 |
| Progressive | $1,210 |
| State Farm | $1,180 |
| Allstate | $1,250 |
| Farmers | $1,220 |
| Liberty Mutual | $1,240 |
| Nationwide | $1,190 |
| USAA | $1,170 |
| American Family Insurance | $1,260 |
| Travelers | $1,200 |
2024 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2024 Mercedes-Benz A Car Insurance is $1,249. However, Safeco offers the cheapest rates, averaging $623 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $623 |
| Mercury Insurance | $730 |
| Kemper Auto | $956 |
| Virginia Farm Bureau | $1,216 |
| Plymouth Rock | $1,387 |
| Pekin Insurance | $1,450 |
| AssuranceAmerica Mobile Max | $1,492 |
| AssuranceAmerica | $1,496 |
| Norfolk and Dedham Group | $1,552 |
| Safety Group | $1,585 |
2022 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2022 Mercedes-Benz A Car Insurance is $1,048. However, Safeco offers the cheapest rates, averaging $425 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $765 |
| Safety Group | $1,363 |
| AssuranceAmerica Mobile Max | $1,324 |
| Plymouth Rock | $1,188 |
| Safeco | $425 |
| Virginia Farm Bureau | $1,010 |
| Mercury Insurance | $521 |
| AssuranceAmerica | $1,308 |
| Norfolk and Dedham Group | $1,332 |
| Pekin Insurance | $1,240 |
2021 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2021 Mercedes-Benz A Car Insurance is $1,311. However, Kemper Auto | Infinity offers the cheapest rates, averaging $931 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $1,247 |
| Georgia Farm Bureau | $1,722 |
| Titan | $1,366 |
| North Carolina Farm Bureau | $1,298 |
| Kemper Auto | Infinity | $931 |
| Virginia Farm Bureau | $1,252 |
| SECURA Insurance | $1,039 |
| Tennessee Farmers | $1,445 |
| GMAC Insurance Group | $1,494 |
| Texas Farm Bureau Group | $1,317 |
2020 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2020 Mercedes-Benz A Car Insurance is $1,346. However, Loya Insurance offers the cheapest rates, averaging $472 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,193 |
| Mercury Insurance | $1,748 |
| Oregon Mutual | $1,485 |
| Infinity Special | $1,473 |
| Loya Insurance | $472 |
| West Bend Mutual | $1,336 |
| SECURA Insurance | $1,025 |
| Rockford Mutual Insurance | $1,561 |
| National General Value | $1,708 |
| PEMCO | $1,458 |
2019 Mercedes-Benz A Insurance Rates
The average annual insurance cost for a 2019 Mercedes-Benz A Car Insurance is $1,209. However, Mercury Insurance offers the cheapest rates, averaging $306 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $1,121 |
| American National P | $1,748 |
| GMAC Insurance Group | $1,523 |
| Texas Farm Bureau Group | $1,340 |
| Safeco | $125 |
| North Carolina Farm Bureau | $1,300 |
| Mercury Insurance | $306 |
| PEMCO | $1,518 |
| Mutual Of Enumclaw | $1,588 |
| SECURA Insurance | $1,521 |
Find Affordable Mercedes-Benz A Car Insurance Rates
Are Mercedes-Benz As Car Insurance Expensive To Insure?
Mercedes-Benz A-Class models are generally more affordable to insure compared to other luxury vehicles, but still pricier than the average compact sedan. On average, annual insurance costs for a Mercedes-Benz A-Class range from $1,100 to $1,300, depending on factors like location, driver history, and coverage choices. While it benefits from solid safety ratings and modern driver-assistance features, its luxury brand status and costlier repairs can push premiums higher. Younger drivers and those in urban areas may face steeper rates. Comparing quotes from multiple insurers and maintaining a clean driving record can help reduce overall insurance expenses for the A-Class.
Cost of Mercedes-Benz A Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers typically face the highest premiums due to their higher risk of accidents. However, as drivers gain experience and maintain a clean record, their insurance costs tend to decrease over time.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,836 | $12,927 | $15,132 |
| 18 | $8,165 | $12,059 | $14,063 |
| 19 | $7,251 | $10,605 | $12,422 |
| 20 | $6,302 | $9,263 | $10,863 |
| 21 | $5,330 | $7,756 | $9,081 |
| 22 | $5,137 | $7,561 | $8,894 |
| 23 | $4,523 | $6,679 | $7,765 |
| 24 | $4,318 | $6,318 | $7,371 |
| 25 | $3,680 | $5,418 | $6,354 |
| 30 | $2,875 | $4,215 | $4,964 |
| 35 | $2,712 | $4,004 | $4,655 |
| 40 | $2,615 | $3,790 | $4,466 |
| 45 | $2,560 | $3,731 | $4,375 |
| 55 | $2,286 | $3,416 | $3,976 |
| 65 | $2,416 | $3,555 | $4,167 |
| 75 | $3,063 | $4,511 | $5,230 |
Mercedes-Benz A Car Insurance Rates By State
Your location significantly impacts your car insurance rates. Different states have varying insurance regulations, with some, like Michigan, requiring higher levels of coverage, leading to higher premiums. Additionally, regions prone to extreme weather events like hurricanes or flooding may see higher insurance costs due to the increased risk of damage. Insurance companies also assess local crime rates, such as car thefts, and accident statistics, including fatalities and crash rates, when determining your insurance premium. All of these factors contribute to the variation in rates depending on where you live.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,726 | $3,988 | $5,083 |
| Alaska | $2,291 | $3,147 | $3,090 |
| Arizona | $2,565 | $3,749 | $5,500 |
| Arkansas | $2,788 | $4,460 | $4,903 |
| California | $3,153 | $5,564 | $3,154 |
| Colorado | $2,921 | $4,123 | $5,218 |
| Connecticut | $3,786 | $5,814 | $7,331 |
| Delaware | $3,077 | $4,131 | $5,312 |
| Florida | $3,724 | $5,096 | $6,626 |
| Georgia | $3,025 | $4,544 | $4,534 |
| Hawaii | $1,185 | $1,645 | $1,180 |
| Idaho | $2,122 | $2,743 | $3,359 |
| Illinois | $2,181 | $3,310 | $3,778 |
| Indiana | $2,238 | $3,466 | $3,880 |
| Iowa | $1,754 | $2,391 | $2,870 |
| Kansas | $2,359 | $3,407 | $4,050 |
| Kentucky | $3,443 | $4,989 | $5,931 |
| Louisiana | $4,385 | $6,620 | $7,220 |
| Maine | $1,680 | $2,280 | $3,386 |
| Maryland | $2,712 | $3,901 | $4,345 |
| Massachusetts | $2,116 | $3,740 | $2,184 |
| Michigan | $5,206 | $7,922 | $12,537 |
| Minnesota | $2,124 | $2,871 | $4,006 |
| Mississippi | $2,600 | $3,676 | $3,698 |
| Missouri | $2,434 | $3,513 | $4,566 |
| Montana | $2,462 | $3,461 | $4,007 |
| Nebraska | $2,082 | $3,086 | $3,362 |
| Nevada | $3,450 | $5,157 | $5,407 |
| New Hampshire | $2,411 | $3,818 | $4,803 |
| New Jersey | $2,618 | $4,122 | $5,440 |
| New Mexico | $2,701 | $4,038 | $4,167 |
| New York | $2,496 | $3,146 | $5,284 |
| North Carolina | $1,595 | $2,667 | $1,884 |
| North Dakota | $2,118 | $3,224 | $3,811 |
| Ohio | $1,870 | $2,923 | $2,968 |
| Oklahoma | $3,016 | $4,340 | $4,877 |
| Oregon | $2,755 | $3,656 | $4,411 |
| Pennsylvania | $2,325 | $3,415 | $3,981 |
| Rhode Island | $3,858 | $5,718 | $6,407 |
| South Carolina | $2,634 | $3,621 | $5,031 |
| South Dakota | $2,365 | $3,397 | $3,901 |
| Tennessee | $2,801 | $4,061 | $5,407 |
| Texas | $2,802 | $4,007 | $4,999 |
| Utah | $2,386 | $3,349 | $4,560 |
| Vermont | $1,815 | $2,813 | $2,983 |
| Virginia | $1,732 | $2,657 | $2,589 |
| Washington | $2,294 | $3,117 | $3,709 |
| West Virginia | $2,303 | $3,262 | $4,079 |
| Wisconsin | $2,311 | $3,547 | $4,074 |
| Wyoming | $2,106 | $3,005 | $3,182 |
Find Affordable Mercedes-Benz A Car Insurance Rates
Cheapest Car Insurance Companies For A Mercedes-Benz A
The table above presents estimated annual and monthly insurance premiums for the 2025 Mercedes-Benz A-Class from five major U.S. car insurance providers. These figures are derived from available data and have been adjusted to reflect potential changes for the 2025 model.
GEICO offers the most competitive rate, with an estimated annual premium of $1,235, translating to approximately $102 per month. Progressive and State Farm follow closely, with annual premiums of $1,210 and $1,180, respectively. Allstate and Farmers have slightly higher premiums, estimated at $1,250 and $1,220 annually.
| Insurance Company | Average Monthly |
| GEICO | $102 |
| Progressive | $100 |
| State Farm | $98 |
| Allstate | $104 |
| Farmers | $101 |
Common Mercedes-Benz A Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. While each provider offers different savings opportunities, some common discounts to check for include:
- Multi-policy: Bundling your auto insurance with home or renters insurance can earn you a lower rate.
- Pay-in-full: Paying your premium in one lump sum instead of monthly installments can lead to savings.
- Defensive driving: Completing a certified defensive driving course may make you eligible for a discount.
Additional discounts may be available depending on your provider, such as good driver incentives, low-mileage discounts, or savings for having safety features in your car. Speak with your insurance agent to explore all possible discounts you qualify for.
Compare Mercedes-Benz A To Other Mercedes Models
- Mercedes-Benz B250 Car Insurance
- Mercedes-Benz C-Class Car Insurance
- Mercedes-Benz CLA Car Insurance
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- Mercedes-Benz E-Class Car Insurance
- Mercedes-Benz G Car Insurance
- Mercedes-Benz GLA Car Insurance
- Mercedes-Benz GLB 250 Car Insurance
- Mercedes-Benz GLC Car Insurance
- Mercedes-Benz GLC Coupe Car Insurance
- Mercedes-Benz GLE Car Insurance
- Mercedes-Benz GLS Car Insurance
- Mercedes-Benz S-Class Car Insurance
- Mercedes-Benz SL Car Insurance
- Mercedes-Benz SLC Car Insurance
- Mercedes-Benz Metris Car Insurance
- Mercedes-Benz Sprinter Car Insurance
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Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing a full-coverage policy with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible for comprehensive and collision coverage. However, these figures serve as general estimates, and your actual rates may vary based on factors such as your location, driving history, vehicle model, and chosen coverage options.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Mercedes-Benz A?
Before driving your Mercedes-Benz A off the dealership lot, you must provide proof of insurance. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase. This ensures you have coverage ready without relying on dealership-provided insurance, which may not offer the best rates or coverage options for your needs.
How Can You Get The Cheapest Insurance For Your Mercedes-Benz A?
To find the cheapest rates for your Mercedes-Benz A, it’s essential to shop around and compare quotes from different auto insurance companies. Insuranceopedia makes this process easy by allowing you to compare multiple providers directly on their website, helping you secure the best deal for your needs.
