Best Auto Insurance for Mercedes in 2026

Erie, USAA, and Liberty Mutual have the best auto insurance for Mercedes. Erie is the #1 company for Mercedes insurance claim satisfaction.

Why is Mercedes insurance so high? Insuring a Mercedes comes at a premium, thanks to higher repair costs and its luxury status among insurers.

Picking the right company can make a significant difference in how much you pay and how well you’re protected. Liberty Mutual is the best for a new Mercedes, but it has the highest monthly rates. See More: How to Buy Insurance for a New Vehicle

Top 10 Companies: Best Auto Insurance for Mercedes

Erie and USAA have the lowest rates, but they aren’t available to everyone. American Family and Geico are the next cheapest.

Shopping online makes it easy to review multiple Mercedes-Benz insurance companies quickly. Get started now with our free quote comparison tool.

Mercedes Insurance Cost Breakdown

When you compare quotes, you’ll see that the average Mercedes-Benz insurance cost is nearly double the national average.

Mercedes models are also more expensive to insure than other luxury autos, including Cadillacs and BMWs. Minimum coverage costs between $80 and $90 a month.

Luxury and exotic car insurance costs more because repairs for Mercedes-Benz vehicles require specialized expertise and mechanics familiar with European makes.

Many providers offer lower-than-average rates, including Erie, Nationwide, and American Family. Mercedes car insurance quotes start as low as $78 a month, so shop around to find the best price on your policy.

Average Prices for Different Mercedes Insurance Policies

Erie has the cheapest auto insurance for Mercedes drivers. Minimum liability policies start at $78 a month, and full coverage costs $180 monthly.

Nationwide and AmFam are the next-cheapest for minimum coverage, while Geico and USAA have the lowest rates for full coverage.

Mercedes Auto Insurance Monthly Rates by Coverage Level

Full coverage insurance makes sense for a Mercedes because the cost to repair or replace luxury parts is significantly higher than average vehicles. Learn More: Liability vs. Full Coverage Auto Insurance

Minimum coverage policies cost less but won’t protect your Mercedes if you’re involved in a collision.

Higher coverage limits are recommended to accommodate a Mercedes’ high replacement value and repair costs.

Buy full coverage to protect you from liability, theft, vandalism, and costly collision damage, risks that hit harder with premium cars.

How Age Affects Insurance for Mercedes-Benz Drivers

Auto insurance for teens driving Mercedes increases dramatically because you’re combining two high-risk factors: an inexperienced driver in a high-value vehicle.

Teens pay over $200 a month for minimum coverage, double the average insurance cost for Mercedes drivers in their 30s and 40s.

Mercedes auto insurance rates start to drop in your 30s because older, experienced drivers are statistically less likely to file costly claims.

A long driving history with a clean record will lead to even lower rates, and teens can enroll in defensive driving courses or telematics programs to improve their driving and earn discounts.

How Mercedes Premiums Vary for Each Model

Are Mercedes cheap to insure? Mercedes models carry higher parts, labor, and technology costs. These factors will raise your quotes, along with the vehicle’s performance capabilities.

Compare Mercedes-Benz car insurance by model to see how these features impact monthly premiums. Read More: Auto Insurance Rates by Vehicle

Mercedes Auto Insurance Monthly Rates by Model

Car insurance for Mercedes AMG drivers is the most expensive, averaging $228 a month for full coverage. Auto insurance for the Mercedes C-Class is much more competitive at $183 per month.

Mercedes SUVs and sports cars, like the AMG, have the highest rates due to their size and performance. Claim payouts often cost more for these models, which shows in the increased premiums.

There are also fewer luxury sports cars on the road, and repair or replacement parts can be harder to find. On the other hand, luxury SUVs, like the Mercedes GLC, are more popular for their safety features and premium finishes.

Mercedes GLC insurance is cheaper than the AMG at $193 per monthly, but its premium features can increase rates depending on your model’s trim.

Mercedes GLC vs. Similar SUVs: Auto Insurance Monthly Rates

The Mercedes GLC isn’t as expensive to insure as a Tesla or Land Rover, but its premiums are higher than most luxury brands. Get More Details: Best Auto Insurance for Teslas

Compare Liberty Mutual and Travelers to find the best auto insurance for Mercedes SUVs. Both of these top companies offer customizable and premium packages tailored for larger luxury models starting at $190 a month.

How Driving History Impacts Mercedes-Benz Insurance

Your driving history plays a major role in what you’ll pay to insure a Mercedes. A clean record is one of the most effective ways to keep luxury insurance rates in check.

Accidents, especially at-fault ones, can raise monthly rates by $50 or more. DUIs have the biggest impact on quotes. Don’t Miss It: Cheap Auto Insurance After a DUI

Mercedes Auto Insurance Monthly Rates by Driving Record

Erie has the lowest rates for high-risk drivers, but even the best car insurance for Mercedes-Benz will cost more after an accident or DUI.

Shop around to find cheap auto insurance for high-risk drivers before renewing your policy if you’ve recently gotten a citation or filed a claim.

Ways to Save on Mercedes-Benz Coverage

Insurance companies consider Mercedes-Benz a luxury auto and charge higher premiums to cover the cost of specialized repairs and expensive replacement parts.

But even with its luxury status, you can still get cheap car insurance for Mercedes models with these easy tips:

• Bundle Your Policies: Bundle your auto policy with home or renters insurance to unlock multi-policy discounts of up to 25%.
• Choose Higher Deductibles: Opt for a higher deductible to lower your monthly premium, just make sure it’s an amount you can comfortably cover.
• Garage Your Vehicle: Park in a secure location or garage to reduce the risk of theft and qualify for lower Mercedes auto insurance quotes.
• Review Your Coverage Regularly: Use insurance comparison sites to review your coverage before renewal and look for better rates from more affordable providers.

Reviewing your policy options before you renew is an important tip if you drive an older model.

For instance, you can drop gap coverage after you pay off an auto loan on a new Mercedes, which can save you $10 a month.

Older models typically cost less to repair or replace, which gives you more flexibility in how you structure your policy.

Auto insurance for a 2021 Mercedes will be cheaper than for a newer model if you reduce your collision or comprehensive limits to match the car’s depreciated value.

Get Cheaper Mercedes Insurance Rates With Discounts

Discounts are the most straightforward way to cut luxury car insurance costs and bring down the cost of your full coverage Mercedes premiums without losing protection.

Most savings programs reward behaviors that are within your control, such as being a safe driver. Mercedes owners can track safe driving habits with usage-based auto insurance (UBI) to get the biggest discounts.

Top Auto Insurance Discounts for Mercedes Drivers by Provider

Nationwide offers the largest UBI discount of 40%, as well as one of the most competitive bundling discounts at 25%.

Erie, USAA, and Liberty Mutual all offer up to 30% off for usage-based insurance, although Erie is one of the few providers that won’t raise premiums for tracking bad habits like speeding or driving at night.

Get More Savings: 26 Hacks to Save Money on Auto Insurance

Recommended Insurance Policies for Mercedes

Mercedes comes with high-end finishes and even higher repair costs, so liability-only policies are often insufficient.

You’ll want to buy full coverage with collision and comprehensive insurance to protect your Mercedes in most high-risk scenarios, plus additional coverages to pay for medical bills and hit-and-run drivers.

• Liability-Only Insurance: Covers damage or injuries you cause to others, but doesn’t pay for your own vehicle or medical expenses.
• Collision Coverage: Pays for repairs to your Mercedes after an accident, regardless of who is at fault.
• Comprehensive Coverage: Pays for non-collision events like theft, vandalism, weather damage, or hitting an animal.
• Personal Injury Protection: PIP covers medical expenses, lost wages, and related costs for you and your passengers after an accident.
• Uninsured/Underinsured Motorist: UM/UIM protects you if you’re hit by a driver with little or no insurance, covering injuries and sometimes property damage.

Some of these policies are required by law, so check the auto insurance requirements by state to ensure you get the right coverage.

Our top company, Erie, provides all the state-required coverage and more, including gap plans for new Mercedes and OEM parts for repairs.

Liberty Mutual, USAA, American Family, and Progressive also offer all the key coverage options Mercedes drivers need.

Rates will be higher if you include these add-ons with your policy, so shop around for things like cheap rideshare insurance.

Mercedes Auto Insurance Coverage Options by Provider

Some insurance add-ons are automatically earned, like claim forgiveness. Many Mercedes insurance companies will reward safe drivers with free accident forgiveness if they go multiple years without filing a claim.

Progressive is the only provider that automatically applies small-claims forgiveness to new policies when drivers start coverage with a clean driving record.

Top Mercedes Insurance Companies Ranked

Erie is the best Mercedes car insurance company, but it’s not featured as one of the largest because it’s a regional provider. Coverage is only available in 12 states, compared to Geico and Progressive, which are available nationally.

USAA is one of the biggest national providers, thanks to its low rates and exceptional customer service ratings, but it’s only available to military members. Learn More: Farmers vs. USAA Auto Insurance

State Farm is the largest, most popular Mercedes auto insurance company, serving a third of the market with local agents and excellent claims handling.

The right company for you might not be the biggest. That’s why we recommend comparing at least three different providers from your area before you buy Mercedes car insurance.

Read More: Progressive vs. State Farm Auto Insurance

#1 – Erie: Top Pick Overall

Pros

• Lock in Low Rates: Mercedes drivers who add Erie Rate Lock avoid premium increases until they move or add a new vehicle or driver.
• Great Claims Service: Erie is the top-rated provider for Mercedes auto insurance claim satisfaction in annual J.D. Power surveys.
• Cheapest High-Risk Rates: Erie has the lowest rates for Mercedes drivers with DUIs or at-fault accidents on their records.

Cons

• Fewer Online Features: Erie is a regional provider that relies on local agents, so its insurance website and mobile app aren’t as streamlined as other Mercedes insurers.
• Only Sold in 12 States: Read our Erie car insurance review to see if coverage is available in your area and compare Mercedes-Benz insurance quotes.

#2 – USAA: Best for Military Savings

Pros

• Exclusive Military Benefits: USAA tailors policies for military members with deployment discounts and additional savings for drivers who park their Mercedes on base.
• Competitive Monthly Rates: Mercedes auto insurance rates start at $81 per month, cheaper than Progressive and State Farm. See More Quotes: USAA Insurance Review
• Usage-Based Discount: Mercedes drivers automatically get 10% off when they sign up for SafePilot UBI and can save up to 30% more by practicing safe driving habits.

Cons

• Only for Military Members: Mercedes-Benz owners who aren’t in the military cannot buy USAA car insurance.
• Small Bundling Discounts: USAA only offers 10% for bundling Mercedes policies with home or renters coverage, compared to 25% from Erie and Geico.

#3 – Liberty Mutual: Best for New Mercedes

Pros

• Better Car Replacement: Liberty Mutual will replace a totaled Mercedes-Benz with a newer or better model within the first two years of ownership.
• Customizable Policies: Tailor policies for new Mercedes with gap coverage, OEM parts, new car replacement, and more. Get a list of coverages in our Liberty Mutual review.
• Great Claims Service: Liberty Mutual ranks well above other Mercedes insurance providers for claims satisfaction and customer service.

Cons

• High-Priced Premiums: Full coverage for Mercedes-Benz starts at $200 a month, higher than any other provider on this list.
• High Number of Complaints: Despite its above-average claims service, drivers still complain about premium pricing and mobile connectivity issues.

#4 – Nationwide: Best for Usage-Based Savings

Pros

• Biggest Usage-Based Discount: Sign up for Nationwide SmartRide to track driving habits and save up to 40% off Mercedes-Benz insurance rates.
• Low-Mileage Plans: Mercedes drivers who don’t want to track their habits can sign up for the Nationwide SmartMiles pay-per-mile plan for lower rates.
• Competitive Bundle Savings: Bundle Mercedes-Benz car insurance with home or renters coverage to get 20% off. We list all discounts in our Nationwide insurance review.

Cons

• Pricier Policies: Before discounts, Nationwide full coverage for Mercedes is one of the most expensive at $187 monthly.
• Limited Availability: Nationwide car insurance for Mercedes is not available in Alaska, Hawaii, Louisiana, or Massachusetts.

#5 – State Farm: Best for Agent Support

Pros

• Largest Agent Network: Mercedes owners with State Farm can rely on local agents to help them file claims, pick coverage, add new drivers, and more.
• Great Customer Service: State Farm ranks above average in claims satisfaction and receives fewer customer complaints than other national Mercedes insurance companies.
• No UBI Increases: Drive Safe & Save saves about 20%, and State Farm won’t raise Mercedes insurance rates if it tracks bad habits. Read More: State Farm Insurance Review

Cons

• Expensive Full Coverage: Minimum coverage is competitive with State Farm, but full coverage Mercedes car insurance rates jump to $195 a month.
• Not Renewing in High-Risk Areas: Mercedes drivers in coastal states like California, Florida, and Rhode Island report that State Farm is not renewing policies.

#6 – American Family: Best for Costco Members

Pros

• Exclusive Costco Benefits: Costco members shopping for Mercedes-Benz car insurance will get better rates when going through AmFam with their Costco membership card.
• Teen Driver Discounts: Along with new driver and good student discounts, teens are also eligible for generational discounts if they’re added to an existing Mercedes policy.
• Multi-Vehicle Savings: AmFam offers one of the largest discounts of 23% to drivers who insure another vehicle with their Mercedes policy.

Cons

• Not Available Everywhere: American Family is only available to Mercedes-Benz drivers in 26 states. Our AmFam auto insurance review shows a map of coverage.
• Smallest UBI Discounts: Mercedes drivers who sign up for DriveMyWay save only up to 15%, compared to 30% with USAA or 40% with Nationwide.

#7 – Geico: Best for Low Rates

Pros

• Cheapest National Rates: Geico is one of the most affordable companies for Mercedes drivers in all 50 states. Rates start at $82 a month.
• Policy Management On-the-Go: The Geico insurance app is one of the most streamlined, with 24/7 claims handling and instant policy changes and upgrades.
• Federal & Military Discounts: Government workers and active or retired military members get 15% off Mercedes-Benz auto insurance.

Cons

• No Gap Coverage: Drivers with a new or leased Mercedes will need to find another company to purchase gap coverage from.
• Average Claims Service: Geico has a lower claims satisfaction score than other Mercedes car insurance companies. For full ratings, see our Geico Insurance Review.

#8 – Allstate: Best for Flexible Plans

Pros

• Flexible Policy Types: Allstate offers multiple pay-as-you-go insurance options, including UBI and mileage-based plans, to help lower Mercedes rates.
• Long List of Add-Ons: Mercedes-Benz drivers can tailor luxury auto coverage with add-ons for classic models, EVs, accident forgiveness, and travel to Mexico.
• National Agent Network: Allstate has the best auto insurance for Mercedes in the USA, with coverage and local agents in 50 states. Find a policy near you in our Allstate review.

Cons

• No OEM Coverage: Your Mercedes could lose value after repairs with aftermarket parts if you ever file a claim with Allstate.
• Multiple Customer Complaints: Allstate receives twice as many complaints and ranks below average for Mercedes-Benz claims service.

#9 – Travelers: Best for Premium Plans

Pros

• Premium Luxury Policies: Sign up for Travelers Premier Responsible Driver plans to get free accident forgiveness, deductible waivers, and roadside assistance for Mercedes.
• Industry Experience: Travelers has insured luxury vehicles like Mercedes-Benz for over 100 years. Get a full rundown in our Travelers car insurance review.
• Very Few Customer Complaints: According to the NAIC, Travelers receives far fewer complaints from drivers than other Mercedes insurers do.

Cons

• No OEM Parts Coverage: Shop with another provider if you want to use original parts for any repairs to your Mercedes after a claim.
• Limited State Access: Travelers Responsible Driver plans aren’t available to Mercedes drivers in all states, including California and New York.

#10 – Progressive: Best for Budgeting Tools

Pros

• Name-Your-Price Tool: If you’re on a budget, Progressive’s online tools can help you pick and choose the Mercedes coverages you need.
• Coverage for Multiple Vehicle Types: Progressive is the best auto insurance for Mercedes-Benz drivers who also own ATVs, boats, RVs, motorcycles, or jet skis.
• Wide Variety of Add-Ons: Progressive offers affordable add-ons for Mercedes insurance, including OEM parts coverage and rideshare insurance.

Cons

• Poor Claims Satisfaction: Progressive is one of the worst Mercedes-Benz insurance companies for claims handling. Our review of Progressive explains why.
• Minimal Bundling Savings: Progressive’s multi-policy discount is only 10%, which is much lower than the other Mercedes providers on this list.

Choosing the Right Mercedes-Benz Insurance

Erie, USAA, and Liberty Mutual have the best auto insurance for Mercedes. These companies are the top three for J.D. Power claims satisfaction.

Erie offers the lowest rates on coverage at $78 a month, but it’s only available in 12 states, so shop around to find the best Mercedes car insurance near you. Start Here: How to Compare Auto Insurance Companies

State Farm and Progressive are the most popular Mercedes-Benz car insurance companies, but they might not fit your driving habits or budget.

Enter your ZIP code into our comparison tool to start comparing insurance providers near you. We can connect you with local Mercedes insurance companies for free.