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Compare the Cost of Mercedes C-Class Insurance by Model Year and Company
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Ensure you're getting the best rate. Review quotes from a top insurance company.
To find the best deal possible and ensure you’re getting the best policy for your needs, shop around and compare Mercedes C-Class insurance rates from multiple carriers. Auto insurance providers charge different rates depending on your model year. Additionally, your driver profile will also have an impact on the cost of your policy.
Key Takeaways
Insuring a Mercedes C-Class can cost an average of $1,633 per year — that’s $206 more than the annual cost of $1,427 for the average car model.
Depending on the insurance provider, Mercedes C-Class insurance costs can change by as much as $755 per year.
Mercedes C-Class insurance rates are also affected by how old your car is. Rates can fluctuate by $675 per year, with insurance for older models costing less.
How Much It Costs to Insure a Mercedes C-Class and the Cheapest Company
Each auto insurance company has a different Mercedes C-Class insurance quote. The average cost of auto insurance for a Mercedes C-Class is $1,633 per year. That could change depending on the insurance provider you choose. The cheapest average insurance rate for a Mercedes C-Class is from USAA, at a cost of $1,343 per year. USAA’s rate is $755 less than the average rate of $2,099 per year at Allstate, the most expensive insurance provider for a Mercedes C-Class owner.
The Average Annual Cost of Mercedes C-Class Insurance by Company
MoneyGeek gathered average insurance rates from different auto insurers using a base driver profile. We used a profile for a 40-year-old male driver who has 100/300/100 liability insurance with comprehensive and collision coverage in this scenario.
The Average Cost to Insure a Mercedes C-Class by Company
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- CompanyAverage Annual Rates
- 1.$1,343
- 2.$1,398
- 3.$1,575
- 4.$1,584
- 5.$1,587
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Is a Mercedes C-Class Expensive to Insure?
Auto insurance providers consider a variety of factors when determining Mercedes C-Class insurance rates. For example, expensive models often yield higher insurance premiums due to high repair costs and theft rates.
A Mercedes C-Class is expensive to insure because of high theft rates, as stated in the most recent data from the America’s 10 most stolen vehicles. Cars that are more likely to be stolen are riskier to insure, so carriers tend to charge higher rates to these drivers.
The Best Car Insurance Company for a Mercedes C-Class
Aside from Mercedes C-Class insurance costs, drivers may want to consider additional factors when choosing a policy.
MoneyGeek used a unique rating system that assessed affordability, customer complaints, customer satisfaction and financial stability to determine the best insurer for a Mercedes C-Class:
- USAA is the best car insurance option for a Mercedes C-Class. Keep in mind that USAA policies are only available to military members and their families.
- The second-highest scoring insurer is Progressive. If you don’t qualify for USAA, Progressive may be your next-best option.
1
USAA
Score:99
2
Progressive
Score:88
3
State Farm
Score:84
4
Nationwide
Score:84
5
GEICO
Score:83
6
Allied
Score:NaN
7
Allstate
Score:69
How Much It Costs to Insure a Mercedes C-Class by Model Year
A car’s model year can affect Mercedes C-Class insurance rates. Older models tend to be cheaper since the value of the car depreciates over time. Because of this, collision and comprehensive insurance for older versions are less expensive. Depending on how old your car is, your rate can decrease up to $675. For example, the average cost of auto insurance for a 2008 Mercedes C-Class is $1,215, while a similar policy costs $1,889 for a 2020 Mercedes C-Class.
Insurance carriers may also offer cheaper options depending on the model year. The average insurance for a 2020 Mercedes C-Class costs $1,527 annually with USAA. Below is a list of rates from different insurance companies for each model year. Check how rates compare, as costs can vary dramatically depending on the Mercedes C-Class model you drive.
The Average Cost to Insure a Mercedes C-Class by Model Year
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- CompanyAverage Annual Rates (2020 model)Average Annual Rates (2019 model)Average Annual Rates (2018 model)Average Annual Rates (2017 model)Average Annual Rates (2016 model)Average Annual Rates (2010 model)Average Annual Rates (2008 model)
- 1.$1,527$1,427$1,545$1,407$1,329$1,096$1,074
- 2.$1,609$1,604$1,418$1,348$1,357$1,290$1,160
- 3.$1,762$1,883$1,975$1,933$1,414$1,051$1,010
- 4.$1,800$1,754$1,710$1,674$1,585$1,345$1,218
- 5.$1,661$1,691$1,624$1,639$1,634$1,452$1,412
How Expensive Is It to Insure a Mercedes C-Class Compared to Other Cars?
Compared to other car models, Mercedes C-Class insurance rates are expensive. The average cost to insure a Mercedes C-Class is $1,633 per year, which is $206 more than the average annual rate of $1,427 across all models.
How Much It Costs to Insure a Mercedes C-Class for 16- to 25-Year-Olds
Insurance companies typically charge young drivers higher premiums, given their inexperience. The average Mercedes C-Class insurance cost for an 18-year-old driver is $5,330 per year. On the other hand, a 40-year-old driver with a similar policy typically pays only $1,633 annually, a rate $3,697 lower than that charged to an 18-year-old. Below is a list of average Mercedes C-Class insurance rates for young drivers aged 16 to 25.
Teens looking to save money on auto insurance can opt to be on the same policy as their parents. Typically, buying a policy for themselves is extremely expensive for young drivers.
The Average Cost to Insure a Mercedes C-Class by Driver Age
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- AgeAverage Annual Rates
- 16$6,833
- 17$6,053
- 18$5,330
- 19$3,818
- 20$3,407
How Does Location Affect the Cost of Mercedes C-Class Insurance?
The prices indicated in this article are national average costs. However, your location can also have a huge impact on Mercedes C-Class insurance rates. Learn more about auto insurance costs in individual states with MoneyGeek’s state page analysis.
FAQs About Mercedes C-Class Insurance
While your car's model affects the cost of auto insurance, it's only one of many factors that affect premiums. Here are some of the most frequently asked questions about Mercedes C-Class insurance rates.
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