When looking for the best Mercedes C-Class insurance, your age and the car’s model year are some of the primary determinants of your rates. Your yearly premium may be as high as $6,554 if you’re 16-years-old and insuring a 2009 Mercedes C-Class and $8,859 for a 2022 model. Meanwhile, a 40-year-old will only pay about $1,439 yearly for a 2009 model and $1,977 for a 2022 Mercedes C-Class.
MoneyGeek ranked the best auto insurance companies for the Mercedes C-Class based on service quality, claims handling, and affordability.
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Average Cost and Cheapest Companies for Insuring a Mercedes C-Class
An auto insurance policy for a Mercedes C-Class typically costs an average of $1,749 annually. However, rates differ considerably between providers.
The most affordable auto insurance full coverage policy on a Mercedes C-Class is an average of $1,364 per year from State Farm. Farmers has the highest premium for this model at around $2,022 per year. The cheapest provider for a minimum coverage policy is still State Farm, at an average yearly cost of $479, and Farmers is again the priciest at $665.
Is a Mercedes C-Class Expensive to Insure?
Insurance providers consider several factors while calculating policy premiums for any vehicle model, including the Mercedes C-Class. Generally, you will pay higher premiums if your car is high value, is expensive to repair, or has a high theft rate.
According to the National Highway Traffic Safety Administration (NHTSA), the Mercedes C-Class has a lower value than some more expensive models. However, its premium is moderately priced due to its horsepower and high theft rate. These factors lead to higher comprehensive coverage costs.
Best Companies for Insuring a Mercedes C-Class
Aside from the cost of coverage, you should also consider how well a company handles customer service experience and claims management. Based on our rankings, the following insurers provide the best auto insurance for your Mercedes C-Class:
- State Farm: MoneyGeek score of 90 out of 74 ($1,364 per year)
- GEICO: MoneyGeek score of 88 out of 74 ($1,448 per year)
State Farm has an exceptional balance of service quality and cost, providing the lowest average premium with the second-best customer satisfaction rates for Mercedes C-Class owners.
MoneyGeek Top Pick: State Farm
Most affordable insurance for your Mercedes C-Class
Exceptional customer service
Offers Roadside Assistance and Rental Car Reimbursement
Poor claims management score
No Gap Insurance or Accident Forgiveness
State Farm is the best option to insure a Mercedes C-Class, offering the most affordable rates with outstanding customer service. Although it lacks valuable coverages like Gap Insurance or Accident Forgiveness, this company provides add-on options that could be useful to many policyholders.
One helpful add-on is Rental Car and Travel Reimbursement, which assists you with renting a car and paying for lodging, meals, and transportation after your vehicle becomes undrivable after a covered accident.
State Farm also provides Roadside Assistance Coverage, which pays for locksmith and towing services, and the delivery of tires, batteries, gas, or oil after a breakdown of your car. Amongst other insurance providers for the Mercedes C-Class, State Farm offers the best combination of low premiums and excellent service.
MoneyGeek Runner-Up: GEICO
Offers affordable rates for your Mercedes C-Class
Highly ranked in customer service
Offers Mechanical Breakdown Insurance and Accident Forgiveness
Low score in claims management
Does not offer Original Equipment Manufacturer (OEM) coverage or Gap Insurance
GEICO is our runner-up pick in auto insurance carriers for the Mercedes C-Class for its affordability and outstanding service. Its average cost is the second-lowest compared to other insurers in our analysis.
GEICO provides many add-on insurance options to enhance your policy benefits for the Mercedes C-Class. Mechanical Breakdown Insurance (MBI) covers the cost of damage to all parts and systems more comprehensively than the services included in a dealer-extended warranty.
If you add Accident Forgiveness coverage to your policy, your premium will not increase after your first at-fault accident. You can obtain this coverage if you are 21 or older and have remained accident-free for at least five years.
GEICO also provides Roadside Assistance and Rental Car Reimbursement coverage to assist Mercedes C-Class drivers when they get stuck on the road due to a covered accident.
Cost of Insuring a Mercedes C-Class by Model Year
Insurance for the 2009 Mercedes C-Class costs an average of $1,439 per year, while the same policy costs about $1,977 for the 2022 model, resulting in a $538 annual difference between these models. On average, the cost of car insurance for older models is cheaper than newer versions due to the car depreciating in value.
Mercedes C-Class average insurance rates will vary by the model year and the insurance provider you select. If you purchase a policy from State Farm, you will pay the lowest rates on average at $1,118 per year for a 2009 Mercedes C-Class and $1,603 for a 2022 edition.
Cost of Insuring a Mercedes C-Class for 16- to 25-Year-Olds
Due to a lack of driving experience, teens and young drivers in their twenties pay higher car insurance premiums than those aged 30 and above, regardless of the type of car they drive. An insurance policy on a Mercedes C-Class costs a 16-year-old $7,642 per year. That’s about $5,947 more than a 40-year-old driver's premium for the same policy.
Teen car insurance rates tend to decrease as they age and eventually stabilize once they get to their 20s and gain more driving experience.
It can be more pricey for teens to get an individual insurance policy rather than joining their family’s plan. The most affordable insurer for a 2022 Mercedes C-Class is State Farm, at an average of $5,202 yearly, while the most expensive coverage is from Progressive, at $12,117 per year. Costs will be significantly lower if parents include teens in existing family plans. Mercedes C-Class drivers can find the cheapest teen car insurance policies by comparing rates from various providers.
How Does Location Affect the Cost of Mercedes C-Class Insurance?
Your actual rates for a Mercedes C-Class will vary significantly based on where you live, besides factors like your age and choice of insurer. According to our study, Idaho residents pay the lowest average cost for insurance premiums, while Florida residents pay the highest. It’s vital to compare quotes across affordable providers within your state to find the best rate.
Frequently Asked Questions About Mercedes C-Class Insurance
Companies determine auto insurance rates based on many factors, and most buyers often have questions about service quality and affordability. MoneyGeek answered your most commonly asked questions about insuring the Mercedes C-Class.
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