Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 S 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 S Class insurance facts

  • Average full coverage auto insurance premium: $308/month

  • Most affordable companies: Auto-Owners Insurance ($179/month) & State Farm ($188/month)

  • S Class car insurance cost vs. average rate: $289 more expensive than the average vehicle

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Mercedes Benz S Class insurer costs by state:

Risk factors affecting Mercedes S-Class car insurance 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 S-Class car 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 S-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 S-Class affecting car insurance 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 car 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 S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$3091
American Family$2316
Auto-Owners$2159
Cincinnati Insurance$3461
Elephant Insurance$3430
Erie Insurance$2919
GEICO$3216
Kentucky Farm Bureau$3388
Liberty Mutual$3021
Mercury$2640
MetLife$3541
Nationwide$2389
Plymouth Rock$3459
Progressive$2564
Safeco$3590
State Farm$2287
Texas Farm Bureau$2789
Travelers$2511
Westfield$3367

Compare all 2021 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$3687

List Price

$109800

Trims Available

S 450 - S 450 4MATIC - S 560 - S 560 4MATIC - AMG S 63 - Mercedes-Maybach S 560 4MATIC - Mercedes-Maybach S 650 - AMG S 65 - Base Engine: turbocharged 3.0-liter inline-six engine rated at 429 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 S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$3067
American Family$2284
Auto-Owners$2086
Elephant Insurance$3427
Erie Insurance$2893
Farmers$3328
GEICO$3190
Liberty Mutual$3015
Mercury$2609
MetLife$3528
Nationwide$2346
Progressive$2527
State Farm$2169
Texas Farm Bureau$2753
Travelers$2469
Westfield$3319

Compare all 2020 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$3361

List Price

$94250

Trims Available

S 450 - S 450 4MATIC - S 560 - S 560 4MATIC - AMG S 63 - Mercedes-Maybach S 560 4MATIC - Mercedes-Maybach S 650 - AMG S 65 - Base Engine: turbocharged 3.0-liter inline-six engine rated at 429 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 S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$3048
American Family$2270
Auto-Owners$2065
Elephant Insurance$3370
Erie Insurance$2843
GEICO$3186
Kentucky Farm Bureau$3326
Liberty Mutual$2954
Mercury$2590
MetLife$3480
Nationwide$2340
Progressive$2516
State Farm$2153
Texas Farm Bureau$2740
Travelers$2441
Westfield$3316

Compare all 2019 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$3350

List Price

$91250

Trims Available

S 450 - S 450 4MATIC - S 560 - S 560 4MATIC - AMG S 63 - Mercedes-Maybach S 560 4MATIC - Mercedes-Maybach S 650 - AMG S 65 - Base Engine: turbocharged 3.0-liter inline-six engine rated at 429 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 S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2939
Acuity$ 2939
Allied$ 2678
Allied$ 2678
Arbella$ 2717
Arbella$ 2717
Country$ 2856
Country$ 2856
Erie$ 2389
Erie$ 2389
Mercury$ 2603
Mercury$ 2603
Nationwide$ 2688
Nationwide$ 2688
Plymouth Rock Insurance$ 2136
Plymouth Rock Insurance$ 2136
Progressive$ 2832
Progressive$ 2832
State Farm$ 2828
State Farm$ 2828
Tennessee Farmers$ 1928
Tennessee Farmers$ 1928
USAA$ 2969
USAA$ 2969

Compare all 2018 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 3344

List Price

$ 89900

Trims Available

S 450 - S 450 4MATIC - S 560 - S 560 4MATIC - AMG S 63 - Mercedes-Maybach S 560 4MATIC - Mercedes-Maybach S 650 - AMG S 65

2017 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 3000
Acuity$ 3000
Allied$ 2829
Allied$ 2829
Arbella$ 2549
Arbella$ 2549
Country$ 2763
Country$ 2763
Erie$ 2226
Erie$ 2226
Mercury$ 2565
Mercury$ 2565
Nationwide$ 2714
Nationwide$ 2714
Plymouth Rock Insurance$ 2058
Plymouth Rock Insurance$ 2058
Progressive$ 2603
Progressive$ 2603
State Farm$ 2632
State Farm$ 2632
Tennessee Farmers$ 1404
Tennessee Farmers$ 1404
Texas Farm Bureau$ 1464
Texas Farm Bureau$ 1464

Compare all 2017 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 3007

List Price

$ 96600

Trims Available

S 550 - S 550e - S 550 4MATIC - AMG S 63 - Mercedes-Maybach S 550 4MATIC - S 600 - Mercedes-Maybach S 600 - AMG S 65

2016 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2780
Allied$ 2780
Arbella$ 2446
Arbella$ 2446
Country$ 2609
Country$ 2609
Erie$ 2103
Erie$ 2103
Mercury$ 2555
Mercury$ 2555
Nationwide$ 2653
Nationwide$ 2653
Plymouth Rock Insurance$ 1983
Plymouth Rock Insurance$ 1983
Progressive$ 2816
Progressive$ 2816
State Farm$ 2843
State Farm$ 2843
Tennessee Farmers$ 1442
Tennessee Farmers$ 1442
Texas Farm Bureau$ 1428
Texas Farm Bureau$ 1428
USAA$ 2856
USAA$ 2856

Compare all 2016 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2996

List Price

$ 95650

Trims Available

S 550 - S 550e - S 550 4MATIC - AMG S 63 - S 600 - Mercedes-Maybach S 600 - AMG S 65

2015 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2518
Allied$ 2518
Arbella$ 2496
Arbella$ 2496
Country$ 2554
Country$ 2554
Erie$ 2078
Erie$ 2078
Mercury$ 2448
Mercury$ 2448
Nationwide$ 2535
Nationwide$ 2535
Oklahoma Farmers Union$ 2190
Oklahoma Farmers Union$ 2190
Plymouth Rock Insurance$ 1921
Plymouth Rock Insurance$ 1921
Progressive$ 2584
Progressive$ 2584
State Farm$ 2462
State Farm$ 2462
Tennessee Farmers$ 2590
Tennessee Farmers$ 2590
Texas Farm Bureau$ 822
Texas Farm Bureau$ 822

Compare all 2015 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2494

List Price

$ 94400

Trims Available

S 550 - S 550 Plug-In Hybrid - S 550 4MATIC - S 63 AMG - S 600 - S 65 AMG

2014 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2859
Acuity$ 2859
Allied$ 2667
Allied$ 2667
Arbella$ 2625
Arbella$ 2625
Country$ 2554
Country$ 2554
Erie$ 1917
Erie$ 1917
Mercury$ 2480
Mercury$ 2480
Nationwide$ 2740
Nationwide$ 2740
Plymouth Rock Insurance$ 1830
Plymouth Rock Insurance$ 1830
State Farm$ 2803
State Farm$ 2803
Tennessee Farmers$ 2543
Tennessee Farmers$ 2543
Texas Farm Bureau$ 1341
Texas Farm Bureau$ 1341
USAA$ 2602
USAA$ 2602

Compare all 2014 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2455

List Price

$ 92900

Trims Available

S 550 - S 550 4MATIC - S 63 AMG

2013 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2385
Acuity$ 2385
Allied$ 2323
Allied$ 2323
Arbella$ 2088
Arbella$ 2088
Country$ 2298
Country$ 2298
Erie$ 1690
Erie$ 1690
Mercury$ 2257
Mercury$ 2257
Nationwide$ 2403
Nationwide$ 2403
Plymouth Rock Insurance$ 1743
Plymouth Rock Insurance$ 1743
State Farm$ 2256
State Farm$ 2256
Tennessee Farmers$ 2331
Tennessee Farmers$ 2331
Texas Farm Bureau$ 1316
Texas Farm Bureau$ 1316
USAA$ 2215
USAA$ 2215

Compare all 2013 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2424

List Price

$ 92350

Trims Available

S 400 Hybrid - S 350 BlueTEC 4MATIC - S 550 - S 550 4MATIC - S 63 AMG - S 600 - S 65 AMG

2012 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2235
Acuity$ 2235
Allied$ 2234
Allied$ 2234
Arbella$ 2078
Arbella$ 2078
Country$ 2271
Country$ 2271
Erie$ 1620
Erie$ 1620
Mercury$ 2358
Mercury$ 2358
Nationwide$ 2302
Nationwide$ 2302
Plymouth Rock Insurance$ 1691
Plymouth Rock Insurance$ 1691
State Farm$ 2075
State Farm$ 2075
Tennessee Farmers$ 2288
Tennessee Farmers$ 2288
Texas Farm Bureau$ 1280
Texas Farm Bureau$ 1280
USAA$ 1993
USAA$ 1993

Compare all 2012 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2322

List Price

$ 91850

Trims Available

S 400 Hybrid - S 350 BlueTEC 4MATIC - S 550 - S 550 4MATIC - S 63 AMG - S 600 - S 65 AMG

2011 Mercedes-Benz S-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2085
Allied$ 2085
Arbella$ 1713
Arbella$ 1713
Country$ 2091
Country$ 2091
Erie$ 1678
Erie$ 1678
Nationwide$ 2247
Nationwide$ 2247
Plymouth Rock Insurance$ 1674
Plymouth Rock Insurance$ 1674
Southern Farm Bureau$ 2272
Southern Farm Bureau$ 2272
State Farm$ 2385
State Farm$ 2385
Tennessee Farmers$ 2219
Tennessee Farmers$ 2219
Texas Farm Bureau$ 1240
Texas Farm Bureau$ 1240
USAA$ 1868
USAA$ 1868
Vermont Mutual$ 2207
Vermont Mutual$ 2207

Compare all 2011 Mercedes-Benz S-Class rates

Average Cost to Insure Per Year

$ 2278

List Price

$ 91000

Trims Available

S 400 Hybrid - S 550 - S 550 4MATIC - S 63 AMG - S 600 - S 65 AMG