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 CLS? 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 insurance facts

  • Average full coverage auto insurance premium: $285/month

  • Most affordable companies: Erie Insurance ($133/month) & Progressive ($145/month)

  • CLS car insurance cost vs. average rate: $148 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 by model year and auto insurer.

Free Auto Insurance Comparison

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Below average Mercedes Benz CLS insurer costs by state:

Risk factors affecting Mercedes CLS 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 CLS 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 CLS 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 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 CLS

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2406
American Family$1811
Auto-Owners$2587
Cincinnati Insurance$2935
Elephant Insurance$2719
Erie Insurance$1605
GEICO$2067
Kentucky Farm Bureau$2630
Liberty Mutual$2361
Mercury$2186
MetLife$3053
Nationwide$1953
Plymouth Rock$2862
Progressive$1723
Safeco$3197
State Farm$2512
Texas Farm Bureau$2240
Travelers$2034
Westfield$2298

Compare all 2021 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$3431

List Price

$70300

Trims Available

CLS 550 - CLS 550 4MATIC - AMG CLS 63 S - 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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2246
American Family$1699
Auto-Owners$2319
Elephant Insurance$2476
Erie Insurance$1519
Farmers$2346
GEICO$1836
Liberty Mutual$2188
Mercury$1998
MetLife$2519
Nationwide$1706
Progressive$1597
State Farm$2233
Texas Farm Bureau$2043
Travelers$1823
Westfield$2140

Compare all 2020 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$3416

List Price

$69950

Trims Available

CLS 550 - CLS 550 4MATIC - AMG CLS 63 S - 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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2067
American Family$1487
Auto-Owners$2156
Elephant Insurance$2315
Erie Insurance$1420
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 CLS rates

Average Cost to Insure Per Year

$3330

List Price

$69200

Trims Available

CLS 550 - CLS 550 4MATIC - AMG CLS 63 S - 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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2596
Acuity$ 2596
Allied$ 2247
Allied$ 2247
Arbella$ 2508
Arbella$ 2508
Country$ 2554
Country$ 2554
Erie$ 1897
Erie$ 1897
Mercury$ 2685
Mercury$ 2685
Nationwide$ 2347
Nationwide$ 2347
Plymouth Rock Insurance$ 2077
Plymouth Rock Insurance$ 2077
Southern Farm Bureau$ 2871
Southern Farm Bureau$ 2871
State Farm$ 2633
State Farm$ 2633
Tennessee Farmers$ 1407
Tennessee Farmers$ 1407
USAA$ 2478
USAA$ 2478

Compare all 2018 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 3324

List Price

$ 75150

Trims Available

CLS 550 - CLS 550 4MATIC - AMG CLS 63 S

2017 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2084
Acuity$ 2084
Allied$ 2122
Allied$ 2122
Arbella$ 2101
Arbella$ 2101
Country$ 2215
Country$ 2215
Erie$ 1460
Erie$ 1460
Nationwide$ 2183
Nationwide$ 2183
Plymouth Rock Insurance$ 1936
Plymouth Rock Insurance$ 1936
State Farm$ 2274
State Farm$ 2274
Tennessee Farmers$ 1405
Tennessee Farmers$ 1405
Texas Farm Bureau$ 1564
Texas Farm Bureau$ 1564
USAA$ 2073
USAA$ 2073
Vermont Mutual$ 2333
Vermont Mutual$ 2333

Compare all 2017 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 2612

List Price

$ 67550

Trims Available

CLS 400 - CLS 400 4MATIC - CLS 550 - CLS 550 4MATIC - AMG CLS 63 S

2016 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2264
Acuity$ 2264
Allied$ 2223
Allied$ 2223
Arbella$ 2155
Arbella$ 2155
Country$ 2250
Country$ 2250
Erie$ 1541
Erie$ 1541
Mercury$ 2075
Mercury$ 2075
Nationwide$ 2223
Nationwide$ 2223
Plymouth Rock Insurance$ 1873
Plymouth Rock Insurance$ 1873
State Farm$ 2357
State Farm$ 2357
Tennessee Farmers$ 1392
Tennessee Farmers$ 1392
Texas Farm Bureau$ 1421
Texas Farm Bureau$ 1421
USAA$ 1796
USAA$ 1796

Compare all 2016 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 2388

List Price

$ 66900

Trims Available

CLS 400 - CLS 400 4MATIC - CLS 550 - CLS 550 4MATIC - AMG CLS 63 S

2015 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2194
Acuity$ 2194
Allied$ 2225
Allied$ 2225
Arbella$ 2174
Arbella$ 2174
Country$ 2192
Country$ 2192
Erie$ 1487
Erie$ 1487
Mercury$ 2041
Mercury$ 2041
Nationwide$ 2236
Nationwide$ 2236
Plymouth Rock Insurance$ 1813
Plymouth Rock Insurance$ 1813
State Farm$ 2012
State Farm$ 2012
Tennessee Farmers$ 2147
Tennessee Farmers$ 2147
Texas Farm Bureau$ 1391
Texas Farm Bureau$ 1391
USAA$ 1886
USAA$ 1886

Compare all 2015 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 2310

List Price

$ 65990

Trims Available

CLS 400 - CLS 400 4MATIC - CLS 550 - CLS 550 4MATIC - CLS 63 AMG S-Model

2014 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2534
Acuity$ 2534
Allied$ 2187
Allied$ 2187
Arbella$ 2338
Arbella$ 2338
Country$ 2395
Country$ 2395
Erie$ 1326
Erie$ 1326
Mercury$ 2472
Mercury$ 2472
Nationwide$ 2356
Nationwide$ 2356
Plymouth Rock Insurance$ 1813
Plymouth Rock Insurance$ 1813
State Farm$ 2322
State Farm$ 2322
Tennessee Farmers$ 2384
Tennessee Farmers$ 2384
Texas Farm Bureau$ 1351
Texas Farm Bureau$ 1351
USAA$ 2118
USAA$ 2118

Compare all 2014 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 2322

List Price

$ 72100

Trims Available

CLS 550 - CLS 550 4MATIC - CLS 63 AMG - CLS 63 AMG S-Model

2013 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2134
Acuity$ 2134
Allied$ 2141
Allied$ 2141
Arbella$ 2039
Arbella$ 2039
Country$ 2165
Country$ 2165
Erie$ 1257
Erie$ 1257
Nationwide$ 2265
Nationwide$ 2265
Plymouth Rock Insurance$ 1723
Plymouth Rock Insurance$ 1723
State Farm$ 2022
State Farm$ 2022
Tennessee Farmers$ 2080
Tennessee Farmers$ 2080
Texas Farm Bureau$ 1312
Texas Farm Bureau$ 1312
USAA$ 1850
USAA$ 1850
Vermont Mutual$ 2260
Vermont Mutual$ 2260

Compare all 2013 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 2132

List Price

$ 72000

Trims Available

CLS 550 - CLS 550 4MATIC - CLS 63 AMG

2012 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1795
Acuity$ 1795
Allied$ 2060
Allied$ 2060
Arbella$ 1863
Arbella$ 1863
Country$ 1958
Country$ 1958
Erie$ 1208
Erie$ 1208
Plymouth Rock Insurance$ 1669
Plymouth Rock Insurance$ 1669
Southern Farm Bureau$ 2100
Southern Farm Bureau$ 2100
State Farm$ 1980
State Farm$ 1980
Tennessee Farmers$ 1916
Tennessee Farmers$ 1916
Texas Farm Bureau$ 1270
Texas Farm Bureau$ 1270
USAA$ 1636
USAA$ 1636
Vermont Mutual$ 1883
Vermont Mutual$ 1883

Compare all 2012 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 1952

List Price

$ 71300

Trims Available

CLS 550 - CLS 550 4MATIC - CLS 63 AMG

2011 Mercedes-Benz CLS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1733
Acuity$ 1733
Allied$ 2094
Allied$ 2094
Arbella$ 1511
Arbella$ 1511
Country$ 1881
Country$ 1881
Erie$ 1364
Erie$ 1364
Oklahoma Farmers Union$ 2139
Oklahoma Farmers Union$ 2139
Plymouth Rock Insurance$ 1657
Plymouth Rock Insurance$ 1657
Southern Farm Bureau$ 1990
Southern Farm Bureau$ 1990
Tennessee Farmers$ 1892
Tennessee Farmers$ 1892
Texas Farm Bureau$ 1236
Texas Farm Bureau$ 1236
USAA$ 1635
USAA$ 1635
Vermont Mutual$ 1804
Vermont Mutual$ 1804

Compare all 2011 Mercedes-Benz CLS rates

Average Cost to Insure Per Year

$ 1832

List Price

$ 74000

Trims Available

CLS 550 - CLS 63 AMG