Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Mercedes Benz CLS Class? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Mercedes Benz CLS Class insurance facts

  • Average full coverage auto insurance premium: $219/month

  • Most affordable companies: GEICO ($172/month) & American Family ($185/month)

  • CLS Class car insurance cost vs. average rate: $163 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Mercedes Benz CLS Class by model year and auto insurer.

Free Auto Insurance Comparison

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Below average Mercedes Benz CLS Class insurer costs by state:

Risk factors affecting Mercedes CLS-Class coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Mercedes CLS-Class insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Mercedes-Benz models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Mercedes-Benz luxury automobile brand

Mercedes-Benz, commonly referred to as Mercedes, is a luxury car division of Daimler AG, a German automobile manufacturer specializing in premium cars with an aura of professionalism and elegance. Mercedes is the largest seller of premium vehicles in the world. The target audience of Mercedes-Benz is the upper-class customer’s age 40 and up that demand the latest features, luxury, and extravagance. All Mercedes automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Mercedes-Benz C-Class and GLE 350 their most popular cars.

High Mercedes CLS-Class repair costs equal high coverage rates

Many consumers are attracted to Mercedes for innovation and high-tech development with driver-assist technologies, like Mercedes DISTRONIC PLUS with steering assist and collision prevention. Automotive parts are not typical and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Mercedes is higher than average since repair parts are more expensive. For this reason, many Mercedes cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Mercedes CLS-Class affecting auto policies

Another factor to consider for Mercedes is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Mercedes models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Mercedes IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Mercedes is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Mercedes’ DISTRONIC PLUS technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Mercedes models. The Mercedes-Benz C-Class, GLC 4-door, and GLE-Class 4-door are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Mercedes-Benz automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Mercedes-Benz automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3820
Acuity$3892
Allied$3846
Allstate$3318
American Family$2223
Country Financial$3330
Erie$2490
GEICO$2068
Kentucky Farm Bureau$3520
Liberty Mutual$2560
Mercury$3289
Nationwide$2780
Progressive$3021
State Farm$2356
Tennessee Farmers$3129
Texas Farm Bureau$2950
The Hanover$3742
Travelers$3327

Compare all 2021 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2638

List Price

$70300

Trims Available

CLS63 AMG - CLS63 AMG S-Model - Base Engine: turbocharged 3.0-liter six-cylinder at 362 horsepower with Driver Assist Technologies: Distance Assist Distronic with Extended Restart, Active Steering Assist, Blind Spot Assist, Lane Keeping Assist, Lane Change Assist, Brake Assist with Cross-Traffic Function, Active Emergency Stop, Pre-Safe Plus, Pre-Safe Impulse Side, Route-based Speed Adaptation. Active and Passive Safety Features: Airbags, Antilock Braking System, Electronic Stability Program, Advanced Tire Pressure Monitoring, SmartKey with Keyless-Start, 4-Wheel ABS, and 4-Wheel Disc Brakes

2020 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3815
Allstate$3304
American Family$2220
Country Financial$3329
Erie$2481
GEICO$2064
Kentucky Farm Bureau$3519
Liberty Mutual$2598
Mercury$3280
Nationwide$2747
Progressive$3016
State Farm$2350
Tennessee Farmers$3120
Texas Farm Bureau$2946
The Hanover$3740
Travelers$3320

Compare all 2020 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2567

List Price

$69950

Trims Available

CLS63 AMG - CLS63 AMG S-Model - Base Engine: turbocharged 3.0-liter six-cylinder at 362 horsepower with Driver Assist Technologies: Distance Assist Distronic with Extended Restart, Active Steering Assist, Blind Spot Assist, Lane Keeping Assist, Lane Change Assist, Brake Assist with Cross-Traffic Function, Active Emergency Stop, Pre-Safe Plus, Pre-Safe Impulse Side, Route-based Speed Adaptation. Active and Passive Safety Features: Airbags, Antilock Braking System, Electronic Stability Program, Advanced Tire Pressure Monitoring, SmartKey with Keyless-Start, 4-Wheel ABS, and 4-Wheel Disc Brakes

2019 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3806
Allstate$3299
American Family$2216
Country Financial$3320
Erie$2471
GEICO$2056
Kentucky Farm Bureau$3520
Liberty Mutual$2591
Mercury$3286
Nationwide$2746
Progressive$3014
State Farm$2347
Tennessee Farmers$3128
Texas Farm Bureau$2946
The Hanover$3711
Travelers$3318

Compare all 2019 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2470

List Price

$69200

Trims Available

CLS63 AMG - CLS63 AMG S-Model - Base Engine: turbocharged 3.0-liter six-cylinder at 362 horsepower with Driver Assist Technologies: Distance Assist Distronic with Extended Restart, Active Steering Assist, Blind Spot Assist, Lane Keeping Assist, Lane Change Assist, Brake Assist with Cross-Traffic Function, Active Emergency Stop, Pre-Safe Plus, Pre-Safe Impulse Side, Route-based Speed Adaptation. Active and Passive Safety Features: Airbags, Antilock Braking System, Electronic Stability Program, Advanced Tire Pressure Monitoring, SmartKey with Keyless-Start, 4-Wheel ABS, and 4-Wheel Disc Brakes

2018 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3815
Allstate$3415
American Family$2215
Country Financial$3604
Erie$2470
GEICO$2016
Kentucky Farm Bureau$3647
Liberty Mutual$2590
Mercury$3284
Nationwide$2743
Progressive$3014
State Farm$2348
Tennessee Farmers$3125
Texas Farm Bureau$2946
The Hanover$3726
Travelers$3519

Compare all 2018 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2520

List Price

$75150

Trims Available

CLS63 AMG - CLS63 AMG S-Model

2017 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3425
Allstate$2816
American Family$1905
Country Financial$3016
Erie$1946
GEICO$1852
Kentucky Farm Bureau$3249
Liberty Mutual$2013
Mercury$2642
Nationwide$2159
Progressive$2435
Tennessee Farmers$2587
Texas Farm Bureau$2297
The Hanover$3371
Travelers$2945

Compare all 2017 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2511

List Price

$74850

Trims Available

CLS63 AMG - CLS63 AMG S-Model

2016 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2753
Allstate$2236
American Family$1892
Country Financial$2279
Erie$1973
GEICO$1836
Kentucky Farm Bureau$2415
Liberty Mutual$2036
Mercury$2215
Nationwide$2074
Progressive$2115
State Farm$1935
Tennessee Farmers$2129
Texas Farm Bureau$2103
The Hanover$2569
Travelers$2240

Compare all 2016 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$2501

List Price

$66900

Trims Available

CLS63 AMG - CLS63 AMG S-Model - Base Engine: turbocharged 3.0-liter six-cylinder at 362 horsepower with Driver Assist Technologies: Distance Assist Distronic with Extended Restart, Active Steering Assist, Blind Spot Assist, Lane Keeping Assist, Lane Change Assist, Brake Assist with Cross-Traffic Function, Active Emergency Stop, Pre-Safe Plus, Pre-Safe Impulse Side, Route-based Speed Adaptation. Active and Passive Safety Features: Airbags, Antilock Braking System, Electronic Stability Program, Advanced Tire Pressure Monitoring, SmartKey with Keyless-Start, 4-Wheel ABS, and 4-Wheel Disc Brakes

2014 Mercedes-Benz CLS-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2894
Acuity$ 2894
Allied$ 2327
Allied$ 2327
Arbella$ 2562
Arbella$ 2562
Country$ 2599
Country$ 2599
Erie$ 1381
Erie$ 1381
Mercury$ 2476
Mercury$ 2476
Nationwide$ 2588
Nationwide$ 2588
Plymouth Rock Insurance$ 1868
Plymouth Rock Insurance$ 1868
State Farm$ 2391
State Farm$ 2391
Tennessee Farmers$ 2608
Tennessee Farmers$ 2608
Texas Farm Bureau$ 1442
Texas Farm Bureau$ 1442
USAA$ 2276
USAA$ 2276

Compare all 2014 Mercedes-Benz CLS-Class rates

Average Cost to Insure Per Year

$ 2494

List Price

$ 99500

Trims Available

CLS63 AMG - CLS63 AMG S-Model