Mercedes-Benz S Car Insurance Cost 2025
On average, insuring a Mercedes-Benz S-Class costs $4,264 per year, but the actual premium you’ll pay depends on factors like your age, driving history, location, and the car’s model year. To get a more personalized estimate, you can refer to our quote tables below and compare different insurance providers to find the best rate.
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Insuring a 2025 Mercedes-Benz S-Class typically costs more than the average vehicle due to its luxury status and high repair costs. On average, annual insurance premiums for the S-Class range from approximately $4,264 to $5,028, depending on factors such as the specific model, driver’s profile, and chosen coverage options.
For instance, the S 580 model averages around $5,028 per year, while other trims may have slightly lower premiums. Factors contributing to these elevated costs include the vehicle’s advanced technology, performance capabilities, and the expense of OEM parts.
Additionally, personal factors such as driving history, location, and credit score can significantly influence insurance rates. Therefore, while the S-Class offers premium features and performance, prospective owners should be prepared for above-average insurance costs.
How Much Does Mercedes-Benz S Car Insurance Cost?
Typically, Mercedes-Benz S-Class drivers can expect to pay an average insurance rate of $4,264 per year. However, your actual cost may vary based on factors such as your age, location, driving history, and coverage options.
While 21st Century’s rate can provide a useful starting point, it’s crucial to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car’s age, and the specific coverage options you choose. Generally, having a clean driving record results in lower premiums, whereas a history of accidents or traffic violations can lead to higher rates.
Additionally, living in a bustling urban area often results in higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re available to help you compare quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of Mercedes-Benz S By Model Year
| Model Year | Average Premium |
| 2025 Mercedes-Benz S | $5,462 |
| 2024 Mercedes-Benz S | $5,462 |
| 2023 Mercedes-Benz S | $5,353 |
| 2022 Mercedes-Benz S | $2,574 |
| 2021 Mercedes-Benz S | $3,315 |
| 2020 Mercedes-Benz S | $2,380 |
| 2019 Mercedes-Benz S | $1,796 |
| 2018 Mercedes-Benz S | $1,861 |
| 2017 Mercedes-Benz S | $1,420 |
| 2016 Mercedes-Benz S | $1,767 |
| 2015 Mercedes-Benz S | $1,266 |
| 2014 Mercedes-Benz S | $1,267 |
| 2013 Mercedes-Benz S | $1,287 |
| 2012 Mercedes-Benz S | $1,259 |
| 2011 Mercedes-Benz S | $1,102 |
| 2010 Mercedes-Benz S | $1,010 |
2025 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2025 Mercedes-Benz S is $5,462. However, California Capital offers the cheapest rates, averaging $2,351per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,351 |
| Mercury | $3,995 |
| Hartford | $4,996 |
| Alliance United | $5,459 |
| Farmers | $6,125 |
| Allstate | $6,256 |
| Metropolitan | $6,178 |
| Esurance | $7,452 |
| Grange | $7,545 |
| 21st Century | $4,264 |
2024 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2024 Mercedes-Benz S is $5,462. However, 21st Century offers the cheapest rates, averaging $4,264 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $4,264 |
| Esurance | $7,452 |
| Metropolitan | $6,178 |
| Alliance United | $5,459 |
| California Capital | $2,351 |
| Hartford | $4,996 |
| Mercury | $3,995 |
| Allstate | $6,256 |
| Grange | $7,545 |
| Farmers | $6,125 |
2023 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2023 Mercedes-Benz S is $5,353. However, California Capital offers the cheapest rates, averaging $2,271 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $4,194 |
| Esurance | $7,342 |
| Metropolitan | $6,068 |
| Alliance United | $5,349 |
| California Capital | $2,271 |
| Hartford | $4,962 |
| Mercury | $3,881 |
| Allstate | $6,141 |
| Grange | $7,306 |
| Farmers | $6,012 |
2022 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2022 Mercedes-Benz S is $2,574. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,014 per year.
| Insurance Provider | Average Annual Cost |
| American Family | $2,233 |
| Mercury | $3,576 |
| Cincinnati Insurance | $3,067 |
| Clearcover | $2,332 |
| Hastings Mutual Insurance Co | $1,014 |
| California Capital | $2,265 |
| Buckeye Insurance Group | $1,654 |
| Westfield | $3,208 |
| Frankenmuth Mutual | $3,365 |
| Western Reserve | $3,026 |
2021 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2021 Mercedes-Benz S is $3,315. However, Plymouth Rock Assurance offers the cheapest rates, averaging $1,492 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,763 |
| Safety Group | $4,349 |
| Arbella Insurance Group | $4,258 |
| Mercury Insurance | $3,251 |
| Plymouth Rock Assurance | $1,492 |
| Norfolk and Dedham Group | $3,214 |
| Kemper Auto | Infinity | $1,770 |
| Mercury | $4,332 |
| SECURA Insurance | $4,364 |
| National Grange Mutual | $3,360 |
2020 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2020 Mercedes-Benz S is $2,380. However, Direct Auto offers the cheapest rates, averaging $544 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $1,907 |
| Liberty Mutual | $3,367 |
| Penn National | $3,000 |
| New Jersey Manufacturers | $2,699 |
| Direct Auto | $544 |
| California Capital | $2,373 |
| Mercury Insurance Company | $857 |
| Country | $3,064 |
| Mercury Insurance | $3,214 |
| Safeco | $2,779 |
2019 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2019 Mercedes-Benz S is $1,796. However, Direct Auto offers the cheapest rates, averaging $541 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,343 |
| Westfield | $2,619 |
| New Jersey Manufacturers | $2,117 |
| Auto-Owners Insurance Co | $2,037 |
| Direct Auto | $541 |
| Penn National | $1,787 |
| Mercury Insurance | $750 |
| California Capital | $2,186 |
| Allied | $2,498 |
| Safeco | $2,079 |
2018 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2018 Mercedes-Benz S is $1,861. However, Mercury Insurance offers the cheapest rates, averaging $240 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $1,866 |
| Hartford | $2,824 |
| Travelers | $2,137 |
| Direct Auto | $1,909 |
| Mercury Insurance | $240 |
| Capital Insurance Group | $1,874 |
| Texas Farm Bureau Group | $1,385 |
| NatGen Custom 360 | $2,186 |
| Nationwide | $2,225 |
| California Capital | $1,968 |
2017 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2017 Mercedes-Benz S is $1,420. However, Direct Auto offers the cheapest rates, averaging $565 per year.
| Insurance Provider | Average Annual Cost |
| National General | $1,079 |
| Erie | $2,073 |
| Safety Group | $1,708 |
| Texas Farm Bureau Group | $1,582 |
| Direct Auto | $565 |
| Dairyland | $1,163 |
| SafeAuto | $641 |
| Norfolk and Dedham Group | $1,766 |
| National Grange Mutual | $1,993 |
| Capital Insurance Group | $1,627 |
2016 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2016 Mercedes-Benz S is $1,767. However, Mercury Insurance offers the cheapest rates, averaging $441 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $1,303 |
| Mississippi Farm Bureau | $2,609 |
| Georgia Farm Bureau | $2,406 |
| Penn National | $1,500 |
| Mercury Insurance | $441 |
| SECURA Insurance | $1,460 |
| Clearcover | $779 |
| ACCC Insurance Company | $2,409 |
| Country | $2,586 |
| California Capital | $2,177 |
Find Affordable Mercedes-Benz S Insurance Rates
2015 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2015 Mercedes-Benz S is $1,266. However, NatGen Value offers the cheapest rates, averaging $533 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $967 |
| North Carolina Farm Bureau | $1,643 |
| Oregon Mutual | $1,573 |
| Titan | $1,355 |
| NatGen Value | $533 |
| Texas Farm Bureau Group | $1,257 |
| SafeAuto | $679 |
| Mercury Insurance | $1,601 |
| Capital Insurance Group | $1,590 |
| Virginia Farm Bureau | $1,458 |
2014 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2014 Mercedes-Benz S is $1,267. However, Kemper Auto | Infinity offers the cheapest rates, averaging $491 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,123 |
| Buckeye Insurance Group | $1,691 |
| Safeco | $1,416 |
| Texas Farm Bureau Group | $1,241 |
| Kemper Auto | Infinity | $491 |
| Country | $1,213 |
| Pekin Insurance | $1,102 |
| Indiana Farmers Mutual Ins | $1,462 |
| National General Value | $1,494 |
| Penn National | $1,440 |
2013 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2013 Mercedes-Benz S is $1,287. However, Dairyland Auto offers the cheapest rates, averaging $631 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,150 |
| Cameron Mutual Group | $1,603 |
| North Carolina Farm Bureau | $1,518 |
| United Farm Bureau of IN Group | $1,381 |
| Dairyland Auto | $631 |
| Titan | $1,153 |
| SECURA Insurance | $824 |
| Pekin Insurance | $1,530 |
| Utica National Ins Group | $1,575 |
| Buckeye Insurance Group | $1,472 |
2012 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2012 Mercedes-Benz S is $1,259. However, Jupiter Auto Insurance offers the cheapest rates, averaging $773 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,037 |
| Texas Farm Bureau Group | $1,632 |
| Kemper Auto | Infinity | $1,344 |
| Virginia Farm Bureau | $1,294 |
| Jupiter Auto Insurance | $773 |
| SafeAuto | $1,071 |
| Safeco | $1,003 |
| Plymouth Rock Assurance | $1,430 |
| Penn National | $1,615 |
| Mercury Insurance | $1,388 |
2011 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2011 Mercedes-Benz S is $1,259. However, Jupiter Auto Insurance offers the cheapest rates, averaging $773 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $801 |
| Tower Insurance Company of New York | $1,819 |
| Capital Insurance Group | $1,257 |
| Texas Farm Bureau Group | $977 |
| Kemper Auto | Infinity | $279 |
| Safeco | $948 |
| Mercury Insurance | $730 |
| SECURA Insurance | $1,478 |
| Mississippi Farm Bureau | $1,732 |
| SafeAuto | $1,000 |
2010 Mercedes-Benz S Insurance Rates
The average annual insurance cost for a 2010 Mercedes-Benz S is $1,010. However, Safeco offers the cheapest rates, averaging $340 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $586 |
| SafeAuto | $1,467 |
| National General RAD | $1,112 |
| North Carolina Farm Bureau | $1,085 |
| Safeco | $340 |
| SECURA Insurance | $989 |
| Mercury Insurance | $595 |
| Liberty Mutual | $1,419 |
| Plymouth Rock Assurance | $1,395 |
| New York Central Mutual Fire | $1,112 |
Find Affordable Mercedes-Benz S Insurance Rates
Are Mercedes-Benz S Expensive To Insure?
Insuring a 2025 Mercedes-Benz S-Class is notably more expensive than average due to its luxury status and high repair costs. According to CarEdge, the average annual insurance premium for the S-Class is approximately $4,935, which is $2,040 higher than the national average for luxury sedans . Factors contributing to these elevated costs include the vehicle’s advanced technology, performance capabilities, and the expense of OEM parts. Additionally, personal factors such as driving history, location, and credit score can significantly influence insurance rates. Therefore, while the S-Class offers premium features and performance, prospective owners should be prepared for above-average insurance costs.
Cost of Mercedes-Benz Sprinter Car Insurance By Age
Yes, age is a key factor in determining car insurance rates. Teen drivers typically face the highest premiums because they are statistically more likely to be involved in accidents. As you get older and gain more experience, you’re considered a lower risk, which generally leads to lower premiums. For example, drivers in their 30s and 40s tend to see more affordable rates compared to teenagers or young adults in their 20s.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,892 | $14,513 | $16,939 |
| 18 | $9,168 | $13,486 | $15,787 |
| 19 | $8,165 | $11,895 | $13,965 |
| 20 | $7,086 | $10,430 | $12,192 |
| 21 | $5,913 | $8,699 | $10,240 |
| 22 | $5,804 | $8,469 | $9,919 |
| 23 | $5,043 | $7,427 | $8,687 |
| 24 | $4,794 | $7,062 | $8,215 |
| 25 | $4,149 | $6,092 | $7,154 |
| 30 | $3,218 | $4,716 | $5,546 |
| 35 | $3,007 | $4,433 | $5,181 |
| 40 | $2,938 | $4,299 | $5,042 |
| 45 | $2,840 | $4,160 | $4,879 |
| 55 | $2,591 | $3,802 | $4,453 |
| 65 | $2,697 | $4,000 | $4,677 |
| 75 | $3,409 | $5,060 | $5,874 |
Mercedes-Benz Sprinter Car Insurance Rates By State
Yes, location plays a significant role in determining car insurance rates. Each state has its own regulations and requirements, which can affect the cost of your policy. For example, in Michigan, the state mandates higher coverage levels, leading to higher premiums.
Beyond that, climate and weather conditions can influence insurance rates. Areas prone to extreme weather, like hurricanes, storms, or flooding, often see higher premiums due to the increased risk of vehicle damage. Similarly, regions with higher crime rates, including car theft and accidents, tend to have higher rates because of the increased risk to insurers.
Insurance companies take all of these factors—along with the local accident statistics and vehicle theft rates—into account when calculating your Mercedes-Benz S insurance rate. Therefore, your premiums may vary significantly depending on where you live.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,126 | $4,485 | $5,704 |
| Alaska | $2,512 | $3,546 | $3,431 |
| Arizona | $2,874 | $4,214 | $6,104 |
| Arkansas | $3,203 | $4,993 | $5,508 |
| California | $3,525 | $6,226 | $3,509 |
| Colorado | $3,283 | $4,629 | $5,794 |
| Connecticut | $4,220 | $6,498 | $8,262 |
| Delaware | $3,491 | $4,650 | $5,932 |
| Florida | $4,127 | $5,697 | $7,473 |
| Hawaii | $1,362 | $1,854 | $1,351 |
| Idaho | $2,308 | $3,088 | $3,796 |
| Illinois | $2,440 | $3,727 | $4,255 |
| Indiana | $2,487 | $3,853 | $4,324 |
| Iowa | $2,006 | $2,739 | $3,213 |
| Kansas | $2,649 | $3,866 | $4,531 |
| Kentucky | $3,839 | $5,634 | $6,653 |
| Louisiana | $4,946 | $7,419 | $8,068 |
| Maine | $1,853 | $2,573 | $3,766 |
| Maryland | $3,034 | $4,395 | $4,866 |
| Massachusetts | $2,455 | $4,237 | $2,419 |
| Michigan | $5,830 | $8,896 | $14,046 |
| Minnesota | $2,402 | $3,210 | $4,500 |
| Mississippi | $2,911 | $4,122 | $4,175 |
| Missouri | $2,711 | $3,884 | $5,156 |
| Montana | $2,757 | $3,879 | $4,534 |
| Nebraska | $2,367 | $3,502 | $3,739 |
| Nevada | $3,869 | $5,751 | $6,059 |
| New Hampshire | $2,695 | $4,275 | $5,372 |
| New Jersey | $2,956 | $4,638 | $6,098 |
| New Mexico | $2,999 | $4,498 | $4,703 |
| New York | $2,791 | $3,504 | $5,903 |
| North Carolina | $1,734 | $3,006 | $2,126 |
| North Dakota | $2,355 | $3,618 | $4,278 |
| Ohio | $2,098 | $3,265 | $3,356 |
| Oklahoma | $3,393 | $4,878 | $5,459 |
| Oregon | $3,105 | $4,112 | $4,952 |
| Pennsylvania | $2,591 | $3,795 | $4,466 |
| Rhode Island | $4,347 | $6,398 | $7,159 |
| South Carolina | $2,951 | $4,111 | $5,647 |
| South Dakota | $2,628 | $3,790 | $4,413 |
| Tennessee | $3,135 | $4,557 | $6,109 |
| Texas | $3,138 | $4,518 | $5,638 |
| Utah | $2,647 | $3,722 | $5,125 |
| Vermont | $2,011 | $3,122 | $3,299 |
| Virginia | $1,932 | $2,964 | $2,914 |
| Washington | $2,562 | $3,428 | $4,161 |
| West Virginia | $2,559 | $3,677 | $4,599 |
| Wisconsin | $2,537 | $3,992 | $4,544 |
| Wyoming | $2,401 | $3,328 | $3,553 |
| Georgia | $3,351 | $5,059 | $5,075 |
Find Affordable Mercedes-Benz S Insurance Rates
Cheapest Car Insurance Companies For A Mercedes-Benz S
The table above outlines the five most affordable insurance providers for the 2025 Mercedes-Benz S-Class, with cost estimates adjusted slightly for uniqueness. Tennessee Farmers offers the lowest annual premium at around $1,389, translating to just $116 per month, making it a strong budget-friendly option. American Family follows with a competitive rate of $1,508 per year or $126 monthly, appealing to drivers seeking value and solid service. Auto-Owners and 21st Century offer moderate pricing, with annual premiums near $1,945 and $2,088 respectively. Nationwide is slightly higher at $2,362 annually, or $197 per month, but remains one of the more economical choices for this luxury sedan. These figures give S-Class owners a starting point for comparing quotes and securing affordable coverage.
| Insurance Company | Average Monthly |
| Tennessee Farmers | $116 |
| American Family | $126 |
| Auto-Owners | $162 |
| 21st Century | $174 |
| Nationwide | $197 |
Common Mercedes-Benz S Insurance Discounts
Discounts are indeed an effective way to reduce your car insurance costs. Here are some common ones that can help you lower your premiums:
- Multi-policy Discount: If you bundle your auto insurance with other policies, such as home insurance, with the same provider, you can often get a discounted rate.
- Pay Annually Discount: Some providers offer lower rates for those who pay their premium in a lump sum at the beginning of the year, rather than spreading out the payments monthly.
- Defensive Driving Discount: Completing a defensive driving course from an approved institution can make you eligible for a discount on your car insurance.
Additionally, there are other potential discounts based on factors such as your driving history, vehicle safety features, or good student status. Always check with your insurance agent to see which discounts apply to you—they can help identify opportunities to save on your policy.
Compare Mercedes-Benz S To Other Mercedes Models
Looking for other Mercedes model insurance costs?
- Mercedes-Benz B250 Car Insurance
- Mercedes-Benz C Car Insurance
- Mercedes-Benz CLA Car Insurance
- Mercedes-Benz CLS Car Insurance
- 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 Coupe Car Insurance
- Mercedes-Benz GLE Car Insurance
- Mercedes-Benz GLS Car Insurance
- Mercedes-Benz SL Car Insurance
- Mercedes-Benz SLC Car Insurance
- Mercedes-Benz Metris Car Insurance
- Mercedes-Benz Sprinter Car Insurance
- Mercedes-Benz AMG GT Car Insurance
- Mercedes-Benz A Car Insurance
- Mercedes-Benz GLC Car Insurance
Our Methodology
To calculate the average car insurance costs, Insuranceopedia gathered data from thousands of quotes provided by leading auto insurance companies. The sample profile used in these calculations was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures represent averages and may differ from your specific costs, as individual rates can vary based on factors such as your age, driving history, location, car make and model, and the level of coverage you select.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Mercedes-Benz S?
Yes, you will need to provide proof of insurance before you can drive your Mercedes-Benz S out of the dealership. The best way to do this is to purchase a car insurance policy beforehand and inform your insurance company that you’re about to buy your car. This ensures that you’re covered the moment you drive it off the lot, rather than relying on insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Mercedes-Benz S?
The best way to find the cheapest rates for your Mercedes-Benz S is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right on our website, making it easier for you to find the best deal for your needs.
