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 C-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 C-Class car insurance facts

  • Average full coverage auto insurance premium: $189/month

  • Most affordable companies: Erie Insurance ($123/month) & Progressive ($132/month)

  • C-Class car insurance cost vs. average rate: $117 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Mercedes Benz C-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 AMG GT insurer costs by state:

Risk factors affecting Mercedes C-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 C-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 C-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 C-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 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 C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2253
American Family$1629
Auto-Owners$2340
Cincinnati Insurance$2570
Elephant Insurance$2491
Erie Insurance$1479
GEICO$1870
Kentucky Farm Bureau$2361
Liberty Mutual$2189
Mercury$2019
MetLife$2594
Nationwide$1684
Plymouth Rock$2516
Progressive$1581
Safeco$2631
State Farm$2250
Texas Farm Bureau$2038
Travelers$1763
Westfield$2141

Compare all 2021 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$2267

List Price

$41600

Trims Available

C 300 Luxury - C 300 Luxury 4MATIC - C 300 Sport - C 300 Sport 4MATIC - C 300 - C 300 4MATIC - C 350e - AMG C 43 - AMG C 63 - AMG C 63 S - Base Engine: 241-hp 2.0L turbo 4-cylinder 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 C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2187
American Family$1587
Auto-Owners$2297
Elephant Insurance$2384
Erie Insurance$1425
Farmers$2318
GEICO$1840
Liberty Mutual$2118
Mercury$1962
MetLife$2410
Nationwide$1630
Progressive$1511
State Farm$2246
Texas Farm Bureau$2018
Travelers$1752
Westfield$2079

Compare all 2020 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$2215

List Price

$41400

Trims Available

C 300 Luxury - C 300 Luxury 4MATIC - C 300 Sport - C 300 Sport 4MATIC - C 300 - C 300 4MATIC - C 350e - AMG C 43 - AMG C 63 - AMG C 63 S - Base Engine: 241-hp 2.0L turbo 4-cylinder 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 C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2067
American Family$1487
Auto-Owners$2156
Elephant Insurance$2315
Erie Insurance$1380
GEICO$1783
Kentucky Farm Bureau$2263
Liberty Mutual$2016
Mercury$1806
MetLife$2387
Nationwide$1560
Progressive$1426
State Farm$2130
Texas Farm Bureau$1874
Travelers$1651
Westfield$1935

Compare all 2019 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$2197

List Price

$41400

Trims Available

C 300 Luxury - C 300 Luxury 4MATIC - C 300 Sport - C 300 Sport 4MATIC - C 300 - C 300 4MATIC - C 350e - AMG C 43 - AMG C 63 - AMG C 63 S - Base Engine: 241-hp 2.0L turbo 4-cylinder 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 C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2098
Acuity$ 2098
Allied$ 1762
Allied$ 1762
Arbella$ 2248
Arbella$ 2248
Country$ 2165
Country$ 2165
Erie$ 1324
Erie$ 1324
Mercury$ 1910
Mercury$ 1910
Nationwide$ 1752
Nationwide$ 1752
Plymouth Rock Insurance$ 1917
Plymouth Rock Insurance$ 1917
Progressive$ 1705
Progressive$ 1705
State Farm$ 1776
State Farm$ 1776
Tennessee Farmers$ 1413
Tennessee Farmers$ 1413
USAA$ 1959
USAA$ 1959

Compare all 2018 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 2192

List Price

$ 41450

Trims Available

C 300 Luxury - C 300 Luxury 4MATIC - C 300 Sport - C 300 Sport 4MATIC - C 300 - C 300 4MATIC - C 350e - AMG C 43 - AMG C 63 - AMG C 63 S

2017 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1757
Allied$ 1757
Erie$ 1131
Erie$ 1131
GEICO$ 1475
GEICO$ 1475
Mercury$ 1774
Mercury$ 1774
Nationwide$ 1543
Nationwide$ 1543
Oklahoma Farmers Union$ 1324
Oklahoma Farmers Union$ 1324
Plymouth Rock Insurance$ 1805
Plymouth Rock Insurance$ 1805
Progressive$ 1374
Progressive$ 1374
State Farm$ 1246
State Farm$ 1246
Tennessee Farmers$ 1377
Tennessee Farmers$ 1377
Texas Farm Bureau$ 1651
Texas Farm Bureau$ 1651
USAA$ 1560
USAA$ 1560

Compare all 2017 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1708

List Price

$ 39500

Trims Available

C 300 - C 300 Luxury - C 300 4MATIC - C 300 Sport - C 300 Luxury 4MATIC - C300 - C 300 Sport 4MATIC - C300 4MATIC - C 350e - AMG C 43 - AMG C 63 - AMG C 63 S

2016 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1569
Allied$ 1569
Erie$ 940
Erie$ 940
GEICO$ 1250
GEICO$ 1250
Mercury$ 1633
Mercury$ 1633
Nationwide$ 1426
Nationwide$ 1426
Oklahoma Farmers Union$ 1244
Oklahoma Farmers Union$ 1244
Plymouth Rock Insurance$ 1668
Plymouth Rock Insurance$ 1668
Progressive$ 1214
Progressive$ 1214
State Farm$ 1385
State Farm$ 1385
Tennessee Farmers$ 1534
Tennessee Farmers$ 1534
Texas Farm Bureau$ 830
Texas Farm Bureau$ 830
USAA$ 1340
USAA$ 1340

Compare all 2016 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1438

List Price

$ 38950

Trims Available

C 300 - C 300 Luxury - C 300 Sport - C 300 4MATIC - C 300 Luxury 4MATIC - C 300 Sport 4MATIC - C 350e - C 450 AMG - AMG C 63 - AMG C 63 S

2015 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1737
Acuity$ 1737
Allied$ 1754
Allied$ 1754
Erie$ 1095
Erie$ 1095
Mercury$ 1609
Mercury$ 1609
Nationwide$ 1718
Nationwide$ 1718
Oklahoma Farmers Union$ 982
Oklahoma Farmers Union$ 982
Plymouth Rock Insurance$ 1603
Plymouth Rock Insurance$ 1603
Progressive$ 1580
Progressive$ 1580
State Farm$ 1515
State Farm$ 1515
Tennessee Farmers$ 1749
Tennessee Farmers$ 1749
Texas Farm Bureau$ 769
Texas Farm Bureau$ 769
USAA$ 1414
USAA$ 1414

Compare all 2015 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1492

List Price

$ 38400

Trims Available

C 300 - C300 Sport - C 250 - C 300 4MATIC - C300 Sport 4MATIC - C 350 - C 350 4MATIC - C 400 4MATIC - C 63 AMG - C 63 S AMG

2014 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1767
Acuity$ 1767
Allied$ 1572
Allied$ 1572
Erie$ 877
Erie$ 877
GEICO$ 1255
GEICO$ 1255
Mercury$ 1632
Mercury$ 1632
Nationwide$ 1450
Nationwide$ 1450
Plymouth Rock Insurance$ 1550
Plymouth Rock Insurance$ 1550
Progressive$ 1284
Progressive$ 1284
State Farm$ 1197
State Farm$ 1197
Tennessee Farmers$ 1776
Tennessee Farmers$ 1776
Texas Farm Bureau$ 1238
Texas Farm Bureau$ 1238
USAA$ 1138
USAA$ 1138

Compare all 2014 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1482

List Price

$ 35800

Trims Available

C 250 Sport - C 250 Luxury - C 250 - C 300 Sport 4MATIC - C 300 Luxury 4MATIC - C 350 Sport - C 350 - C 350 4MATIC - C 63 AMG

2013 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1475
Acuity$ 1475
American Family$ 1411
American Family$ 1411
Erie$ 739
Erie$ 739
GEICO$ 719
GEICO$ 719
Nationwide$ 1134
Nationwide$ 1134
Plymouth Rock Insurance$ 1480
Plymouth Rock Insurance$ 1480
Progressive$ 996
Progressive$ 996
State Farm$ 961
State Farm$ 961
Tennessee Farmers$ 1487
Tennessee Farmers$ 1487
Texas Farm Bureau$ 1205
Texas Farm Bureau$ 1205
USAA$ 922
USAA$ 922
Vermont Mutual$ 1503
Vermont Mutual$ 1503

Compare all 2013 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1193

List Price

$ 35350

Trims Available

C 250 Sport - C 250 Luxury - C 250 - C 300 Sport 4MATIC - C 300 Luxury 4MATIC - C 350 Sport - C 350 - C 350 4MATIC - C 63 AMG

2012 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1376
Acuity$ 1376
Allstate$ 1484
Allstate$ 1484
American Family$ 1350
American Family$ 1350
Erie$ 731
Erie$ 731
GEICO$ 752
GEICO$ 752
Nationwide$ 1210
Nationwide$ 1210
Plymouth Rock Insurance$ 1438
Plymouth Rock Insurance$ 1438
Progressive$ 1006
Progressive$ 1006
State Farm$ 940
State Farm$ 940
Texas Farm Bureau$ 1173
Texas Farm Bureau$ 1173
USAA$ 880
USAA$ 880
Vermont Mutual$ 1417
Vermont Mutual$ 1417

Compare all 2012 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1192

List Price

$ 34800

Trims Available

C 250 Sport - C 250 Luxury - C 250 - C 300 Sport 4MATIC - C 300 Luxury 4MATIC - C 350 Sport - C 350 - C 350 4MATIC - C 63 AMG

2011 Mercedes-Benz C-Class

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1246
American Family$ 1246
Arbella$ 1401
Arbella$ 1401
Erie$ 724
Erie$ 724
GEICO$ 743
GEICO$ 743
Nationwide$ 1205
Nationwide$ 1205
Plymouth Rock Insurance$ 1396
Plymouth Rock Insurance$ 1396
Progressive$ 1142
Progressive$ 1142
State Farm$ 1097
State Farm$ 1097
Tennessee Farmers$ 1384
Tennessee Farmers$ 1384
Texas Farm Bureau$ 1097
Texas Farm Bureau$ 1097
USAA$ 878
USAA$ 878
Vermont Mutual$ 1248
Vermont Mutual$ 1248

Compare all 2011 Mercedes-Benz C-Class rates

Average Cost to Insure Per Year

$ 1232

List Price

$ 33990

Trims Available

C 300 Luxury - C 300 Sport - C 300 Luxury 4MATIC - C 300 Sport 4MATIC - C 350 Sport - C 63 AMG