Mercedes-Benz C Car Insurance Cost 2025
On average, insuring a Mercedes-Benz C costs around $1,500 per year. However, the actual rate may vary depending on factors like your age, the car’s model year, and other details. Check our quote tables below for a personalized estimate.
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The average cost to insure a 2025 Mercedes-Benz C-Class is around $1,500 per year, though actual premiums typically range from $1,300 to $1,800, depending on the driver’s profile and location.
As a luxury sedan, the C-Class tends to cost more to insure than standard midsize vehicles, due in part to its higher repair costs, premium parts, and advanced technology. However, its strong safety ratings and built-in driver assistance features can help offset some of the expense.
Drivers with clean records and favorable demographics can often secure lower rates by comparing quotes and exploring discounts from top insurance providers.
How Much Does Mercedes-Benz C Car Insurance Cost?
On average, drivers of the Mercedes-Benz C can expect to pay around $1,500 per year for car insurance.
While North Carolina Farm Bureau’s pricing can provide a useful benchmark, it’s important to understand that car insurance expenses can vary significantly based on multiple factors. These factors include your location, driving history, car’s age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, whereas past accidents or traffic violations can lead to higher rates.
Additionally, urban areas typically have higher insurance costs compared to rural regions. The type of coverage you select also influences your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re committed to helping you shop around and compare quotes from different insurance providers to find the most favorable deal for your needs.
Average Insurance Cost Of Mercedes-Benz C By Model Year
| Model Year | Average Premium |
| 2025 Mercedes-Benz C | $1,780 |
| 2024 Mercedes-Benz C | $1,810 |
| 2023 Mercedes-Benz C | $1,959 |
| 2022 Mercedes-Benz C | $1,398 |
| 2021 Mercedes-Benz C | $1,000 |
| 2020 Mercedes-Benz C | $1,121 |
| 2019 Mercedes-Benz C | $920 |
| 2018 Mercedes-Benz C | $859 |
| 2017 Mercedes-Benz C | $712 |
| 2016 Mercedes-Benz C | $773 |
| 2015 Mercedes-Benz C | $638 |
| 2014 Mercedes-Benz C | $665 |
| 2013 Mercedes-Benz C | $871 |
| 2012 Mercedes-Benz C | $767 |
| 2011 Mercedes-Benz C | $518 |
| 2010 Mercedes-Benz C | $540 |
2025 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2025 Mercedes-Benz C is $1,780. However, USAA offers the cheapest rates, averaging $1,327 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,493 |
| State Farm | $1,413 |
| USAA | $1,327 |
| Auto-Owners | $1,406 |
| Nationwide | $1,780 |
| Progressive | $1,886 |
| Allstate | $2,068 |
| Farmers | $2,179 |
| Kemper | $2,502 |
| Travelers | $1,745 |
2024 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2024 Mercedes-Benz C is $1,810. However, North Carolina Farm Bureau offers the cheapest rates, averaging $1,576 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,601 |
| Travelers | $2,317 |
| Erie | $1,837 |
| Allied | $1,720 |
| North Carolina Farm Bureau | $1,576 |
| Unitrin | $1,656 |
| Nationwide | $1,578 |
| Penn National | $2,001 |
| Metropolitan | $2,076 |
| GMAC Insurance Group | $1,733 |
2023 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2023 Mercedes-Benz C is $1,959. However, AssuranceAmerica Economy offers the cheapest rates, averaging $1,068 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Elite | $1,301 |
| Unitrin | $2,585 |
| Auto-Owners Insurance Co | $2,314 |
| New Jersey Manufacturers | $2,074 |
| AssuranceAmerica Economy | $1,068 |
| Direct Auto | $1,856 |
| Texas Farm Bureau Group | $1,237 |
| California Capital | $2,299 |
| Mercury | $2,578 |
| Georgia Farm Bureau | $2,274 |
2022 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2022 Mercedes-Benz C is $1,398. However, Plymouth Rock Assurance offers the cheapest rates, averaging $736 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $736 |
| Norfolk and Dedham Group | $2,163 |
| 21st Century | $1,882 |
| North Carolina Farm Bureau | $1,525 |
| Safeco | $218 |
| Texas Farm Bureau Group | $1,201 |
| Mercury Insurance | $525 |
| AssuranceAmerica Economy | $1,975 |
| New Jersey Manufacturers | $2,037 |
| GMAC Insurance Group | $1,714 |
2021 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2021 Mercedes-Benz C is $1,000. However, NatGen Custom 360 offers the cheapest rates, averaging $824 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $824 |
| Frankenmuth Mutual | $1,429 |
| Texas Farm Bureau Group | $1,101 |
| Buckeye Insurance Group | $892 |
| Hastings Mutual Insurance Co | $688 |
| American National P | $861 |
| Safeco | $739 |
| NatGen PPA | $1,152 |
| Grange Mutual | $1,364 |
| Mercury Insurance | $947 |
2020 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2020 Mercedes-Benz C is $1,121. However, Safeco offers the cheapest rates, averaging $708 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $708 |
| PEMCO | $1,624 |
| Norfolk and Dedham Group | $1,408 |
| American National P | $1,079 |
| AssuranceAmerica Mobile Max | $644 |
| Texas Farm Bureau Group | $965 |
| Mercury Insurance | $709 |
| Capital Insurance Group | $1,458 |
| Farm Bureau Mutual (IA Group) | $1,522 |
| Safety Group | $1,094 |
2019 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2019 Mercedes-Benz C is $920. However, Safeco offers the cheapest rates, averaging $187 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $502 |
| Pure Companies Grp | $1,336 |
| SafeAuto | $1,206 |
| National General Value | $966 |
| Safeco | $187 |
| Buckeye Insurance Group | $823 |
| Kemper Auto Premier | $452 |
| Western Reserve | $1,289 |
| North Carolina Farm Bureau | $1,329 |
| SECURA Insurance | $1,114 |
2018 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2018 Mercedes-Benz C is $859. However, Safeco offers the cheapest rates, averaging $99 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $719 |
| Virginia Farm Bureau | $1,188 |
| SECURA Insurance | $1,071 |
| Kemper Personal Insurance | $892 |
| Safeco | $99 |
| Pekin Insurance | $753 |
| Mercury Insurance | $592 |
| SafeAuto | $1,110 |
| Rockford Mutual Insurance | $1,184 |
| AssuranceAmerica Mobile Max | $981 |
2017 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2017 Mercedes-Benz C is $712. However, Jupiter Auto Insurance offers the cheapest rates, averaging $21 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $435 |
| Buckeye Insurance Group | $1,035 |
| Dairyland Broadform | $944 |
| American National P | $859 |
| Jupiter Auto Insurance | $21 |
| Kemper Personal Insurance | $651 |
| Safeco | $287 |
| AssuranceAmerica Mobile Max | $984 |
| West Bend Mutual | $974 |
| Mercury Insurance | $933 |
Find Affordable Mercedes-Benz C Insurance Rates
2016 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2016 Mercedes-Benz C is $773. However, Safeco offers the cheapest rates, averaging $90 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $498 |
| PEMCO | $1,249 |
| Virginia Farm Bureau | $1,033 |
| AssuranceAmerica Elite | $692 |
| Safeco | $90 |
| AssuranceAmerica Mobile Max | $566 |
| AssuranceAmerica | $419 |
| American National P | $1,136 |
| 21st Century | $1,253 |
| Mercury Insurance | $790 |
2015 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2015 Mercedes-Benz C is $638. However, Safeco offers the cheapest rates, averaging $222 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $336 |
| North Carolina Farm Bureau | $1,005 |
| AssuranceAmerica Elite | $724 |
| American National P&C | $572 |
| Safeco | $222 |
| NatGen Custom 360 | $561 |
| Kemper Personal Insurance | $316 |
| Commerce Group Inc | $972 |
| American National P | $996 |
| Mercury Insurance | $675 |
2014 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2014 Mercedes-Benz C is $665. However, Safeco offers the cheapest rates, averaging $219 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premium | $425 |
| SECURA Insurance | $1,038 |
| PEMCO | $959 |
| American National P | $581 |
| Safeco | $219 |
| AssuranceAmerica Mobile Max | $501 |
| Mercury Insurance | $356 |
| Western Reserve | $968 |
| Farm Bureau Mutual (IA Group) | $1,008 |
| Buckeye Insurance Group | $597 |
2013 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2013 Mercedes-Benz C is $871. However, Safeco offers the cheapest rates, averaging $290 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $458 |
| North Carolina Farm Bureau | $1,515 |
| Indiana Farmers Mutual Ins | $1,040 |
| Mercury Insurance | $884 |
| Safeco | $290 |
| American National P | $713 |
| AssuranceAmerica Mobile Max | $460 |
| Texas Farm Bureau Group | $1,073 |
| SECURA Insurance | $1,279 |
| Virginia Farm Bureau | $1,000 |
2012 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2012 Mercedes-Benz C is $767. However, Safeco offers the cheapest rates, averaging $124 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $573 |
| Indiana Farmers Mutual Ins | $1,073 |
| Utica National Ins Group | $1,032 |
| American National P | $892 |
| Safeco | $124 |
| Kemper Auto Premier | $742 |
| NatGen Custom 360 | $256 |
| Farmers Mutual of Nebraska | $1,031 |
| Mississippi Farm Bureau | $1,058 |
| Buckeye Insurance Group | $889 |
2011 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2011 Mercedes-Benz C is $518. However, Safeco offers the cheapest rates, averaging $89 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $192 |
| Farmers Mutual of Nebraska | $1,085 |
| Plymouth Rock Assurance | $701 |
| AssuranceAmerica Mobile Max | $610 |
| Safeco | $89 |
| Dairyland Auto 6 Month | $289 |
| Kemper Auto | Infinity | $142 |
| Kemper Auto Premier | $731 |
| American National P | $735 |
| AssuranceAmerica | $609 |
2010 Mercedes-Benz C Insurance Rates
The average annual insurance cost for a 2010 Mercedes-Benz C is $540. However, Safeco offers the cheapest rates, averaging $202 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $316 |
| Virginia Farm Bureau | $943 |
| NatGen Advantage | $674 |
| AssuranceAmerica Economy | $500 |
| AssuranceAmerica | $205 |
| AssuranceAmerica Elite | $482 |
| Safeco | $202 |
| Mercury Insurance | $728 |
| Kemper Auto | $800 |
| New York Central Mutual Fire | $546 |
Find Affordable Mercedes-Benz C Insurance Rates
Are Mercedes-Benz Cs Expensive To Insure?
The Mercedes-Benz C-Class is moderately expensive to insure compared to non-luxury sedans but more affordable than higher-end Mercedes models or sports cars. On average, annual insurance premiums for a 2025 C-Class range from $1,400 to $1,900, depending on factors like the driver’s age, location, driving record, and the trim level. The C-Class includes advanced safety features and strong crash-test ratings, which help reduce insurance costs. However, because it’s a luxury vehicle with higher repair and parts costs, premiums are still above the national average for midsize sedans. Comparing quotes and selecting higher deductibles can help lower the rate.
Cost of Mercedes-Benz C Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers usually face the highest premiums due to their higher accident rates. However, as you age and become a lower-risk driver, your insurance costs generally decrease.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,682 | $12,750 | $14,919 |
| 18 | $8,089 | $11,883 | $13,912 |
| 19 | $7,136 | $10,492 | $12,286 |
| 20 | $6,242 | $9,160 | $10,698 |
| 21 | $5,234 | $7,687 | $8,977 |
| 22 | $5,070 | $7,482 | $8,736 |
| 23 | $4,435 | $6,524 | $7,652 |
| 24 | $4,221 | $6,224 | $7,293 |
| 25 | $3,670 | $5,365 | $6,281 |
| 30 | $2,870 | $4,176 | $4,924 |
| 35 | $2,661 | $3,899 | $4,558 |
| 40 | $2,535 | $3,757 | $4,417 |
| 45 | $2,491 | $3,654 | $4,280 |
| 55 | $2,295 | $3,353 | $3,941 |
| 65 | $2,371 | $3,545 | $4,125 |
| 75 | $3,016 | $4,444 | $5,195 |
Mercedes-Benz C Car Insurance Rates By State
Your location plays a key role in how insurance companies determine rates. Since each state regulates auto insurance differently, costs can vary widely. For instance, Michigan drivers often pay higher premiums due to the state’s strict coverage requirements. Additionally, climate conditions like hurricanes, storms, and flooding can impact rates. Crime and accident statistics, including car thefts, crashes, and vehicle fatalities, also influence pricing. Insurers take all these factors into account when calculating your specific Mercedes-Benz C insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,691 | $3,913 | $5,044 |
| Alaska | $2,240 | $3,089 | $2,987 |
| Arizona | $2,531 | $3,673 | $5,387 |
| Arkansas | $2,785 | $4,354 | $4,811 |
| California | $3,112 | $5,506 | $3,109 |
| Colorado | $2,891 | $4,061 | $5,133 |
| Connecticut | $3,663 | $5,722 | $7,265 |
| Delaware | $3,071 | $4,071 | $5,279 |
| Florida | $3,647 | $5,052 | $6,556 |
| Georgia | $2,967 | $4,416 | $4,495 |
| Hawaii | $1,186 | $1,612 | $1,198 |
| Idaho | $2,060 | $2,693 | $3,353 |
| Illinois | $2,140 | $3,244 | $3,691 |
| Indiana | $2,186 | $3,387 | $3,816 |
| Iowa | $1,724 | $2,438 | $2,813 |
| Kansas | $2,317 | $3,361 | $3,962 |
| Kentucky | $3,374 | $4,965 | $5,873 |
| Louisiana | $4,292 | $6,522 | $7,114 |
| Maine | $1,649 | $2,267 | $3,342 |
| Maryland | $2,687 | $3,850 | $4,290 |
| Massachusetts | $2,117 | $3,725 | $2,140 |
| Michigan | $5,114 | $7,855 | $12,335 |
| Minnesota | $2,118 | $2,808 | $3,990 |
| Mississippi | $2,567 | $3,666 | $3,700 |
| Missouri | $2,378 | $3,441 | $4,530 |
| Montana | $2,426 | $3,411 | $3,965 |
| Nebraska | $2,070 | $3,039 | $3,324 |
| Nevada | $3,409 | $5,063 | $5,331 |
| New Hampshire | $2,361 | $3,739 | $4,731 |
| New Jersey | $2,610 | $4,095 | $5,383 |
| New Mexico | $2,684 | $3,992 | $4,105 |
| New York | $2,464 | $3,134 | $5,200 |
| North Carolina | $1,558 | $2,596 | $1,887 |
| North Dakota | $2,082 | $3,223 | $3,784 |
| Ohio | $1,866 | $2,862 | $2,977 |
| Oklahoma | $2,976 | $4,268 | $4,845 |
| Oregon | $2,729 | $3,661 | $4,374 |
| Pennsylvania | $2,317 | $3,380 | $3,920 |
| Rhode Island | $3,811 | $5,622 | $6,291 |
| South Carolina | $2,605 | $3,608 | $4,978 |
| South Dakota | $2,348 | $3,325 | $3,871 |
| Tennessee | $2,729 | $4,053 | $5,331 |
| Texas | $2,772 | $3,985 | $5,002 |
| Utah | $2,383 | $3,318 | $4,512 |
| Vermont | $1,813 | $2,750 | $2,909 |
| Virginia | $1,731 | $2,611 | $2,589 |
| Washington | $2,288 | $3,041 | $3,668 |
| West Virginia | $2,294 | $3,240 | $4,077 |
| Wisconsin | $2,282 | $3,515 | $4,029 |
| Wyoming | $2,119 | $2,949 | $3,118 |
Find Affordable Mercedes-Benz C Insurance Rates
Cheapest Car Insurance Companies For A Mercedes-Benz C
The table above presents estimated annual and monthly insurance premiums for the 2025 Mercedes-Benz C-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.
USAA offers the most competitive rate, with an estimated annual premium of $1,267, translating to approximately $105 per month. State Farm and GEICO follow closely, with annual premiums of $1,367 and $1,444, respectively. Nationwide and Travelers have slightly higher premiums, estimated at $1,657 and $1,725 annually.
| Insurance Company | Average Monthly |
| USAA | $105 |
| State Farm | $113 |
| GEICO | $120 |
| Nationwide | $138 |
| Travelers | $143 |
Common Mercedes-Benz C Insurance Discounts
Taking advantage of discounts is an excellent way to lower your car insurance costs. While each provider offers different savings, here are some common discounts you may qualify for:
- Multi-policy: Bundling your auto and home insurance with the same provider can often reduce your rate.
- Pay annually: Paying your premium in full rather than in monthly installments may qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course can help you secure lower rates.
Additional discounts may be available, so it’s a good idea to check with your insurance agent to see which ones you qualify for.
Compare Mercedes-Benz C To Other Mercedes Models
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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 was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, your actual rates may vary based on your personal details and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Mercedes-Benz C?
Yes, you must provide proof of insurance before driving your Mercedes-Benz C off the dealership lot. The best approach is to secure a policy in advance and inform your insurance provider about your upcoming purchase, rather than opting for coverage through the dealership.
How Can You Get The Cheapest Insurance For Your Mercedes-Benz C?
The most effective way to find the lowest insurance rates for your Mercedes-Benz C is by shopping around and comparing quotes from different providers. Insuranceopedia makes this easy by allowing you to compare multiple quotes directly on our website.
