Annual full coverage car insurance for a Mercedes C-Class ranges from $1,267 to $7,443. Rates depend on the car's model year, your age, location, driving record, coverage level and insurer. MoneyGeek’s guide explores Mercedes C-Class insurance costs, top companies and affordable options.
Mercedes C-Class Insurance Cost
Updated: March 19, 2025
Key Takeaways
GEICO offers the most affordable minimum coverage across all Mercedes C-Class model years at $477 annually.
For a Mercedes C-Class, the average annual insurance costs are $571 for minimum coverage and $1,699 for full coverage.
To provide these insights, MoneyGeek analyzed 4,183 Mercedes C-Class insurance quotes from Quadrant Information Services.
Mercedes C-Class Insurance Rates
What Is the Average Mercedes C-Class Car Insurance Cost?
The average full coverage insurance cost for a Mercedes C-Class is $142 monthly or $1,699 annually, based on a 40-year-old male driver with a clean record. Minimum coverage costs about $48 per month or $571 per year.
| Minimum Coverage | $571 |
| Full Coverage | $1,699 |
Mercedes C-Class Insurance Costs by Company
Annual Mercedes C-Class insurance costs range from $1,327 to $2,502. Rates vary based on age, model year and coverage level. Below is a comparison of average Mercedes C-Class insurance rates versus averages for all vehicles from several national and mid-size providers.
| Allstate | $2,068 | $1,807 | 14% |
| Auto-Owners | $1,406 | $1,224 | 15% |
| Farmers | $2,179 | $1,951 | 12% |
| GEICO | $1,493 | $1,329 | 12% |
| Kemper | $2,502 | $2,207 | 13% |
| Nationwide | $1,780 | $1,585 | 12% |
| Progressive | $1,886 | $1,740 | 8% |
| State Farm | $1,413 | $1,267 | 12% |
| Travelers | $1,745 | $1,518 | 15% |
| USAA | $1,327 | $1,197 | 11% |
Read more: Best Car Insurance Companies
Cost of Insuring a Mercedes C-Class by Model Year
The year your Mercedes C-Class was produced can impact your insurance rates, with older vehicles generally costing less. For instance, full coverage for a 2022 model costs $1,993 annually, while it costs $1,399 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $553 | $1,993 |
| 2021 | $553 | $1,972 |
| 2020 | $535 | $1,937 |
| 2019 | $564 | $1,910 |
| 2018 | $568 | $1,875 |
| 2017 | $560 | $1,809 |
| 2016 | $599 | $1,741 |
| 2015 | $612 | $1,674 |
| 2014 | $586 | $1,616 |
| 2013 | $608 | $1,558 |
| 2012 | $603 | $1,500 |
| 2011 | $581 | $1,466 |
| 2010 | $606 | $1,432 |
| 2009 | $605 | $1,399 |
Mercedes C-Class Insurance Costs by Driver Age
Mercedes C-Class insurance rates vary by age. For example, 40-year-olds pay around $1,706 annually for full coverage, while 16-year-olds face rates near $7,443. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $2,645 | $7,443 |
| 17 | $2,156 | $6,074 |
| 18 | $1,885 | $5,361 |
| 19 | $1,348 | $3,849 |
| 20 | $1,211 | $3,500 |
| 21 | $960 | $2,820 |
| 22 | $878 | $2,595 |
| 23 | $815 | $2,422 |
| 24 | $773 | $2,302 |
| 25 | $679 | $2,045 |
| 26 | $662 | $1,985 |
| 27 | $646 | $1,940 |
| 28 | $635 | $1,909 |
| 29 | $626 | $1,881 |
| 30 | $604 | $1,807 |
| 35 | $587 | $1,743 |
| 40 | $581 | $1,706 |
| 45 | $576 | $1,678 |
| 50 | $562 | $1,623 |
| 55 | $547 | $1,574 |
| 60 | $547 | $1,570 |
| 65 | $582 | $1,605 |
| 70 | $631 | $1,717 |
| 75 | $700 | $1,884 |
| 80 | $792 | $2,096 |
| 85 | $857 | $2,253 |
| 90 | $905 | $2,362 |
Mercedes C-Class Insurance Rates Explained
Several factors influence car insurance rates, including a driver’s profile. However, insurers also consider details about the vehicle. Below are the key vehicle-related factors that can affect your insurance costs.
Mercedes C-Class Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Mercedes C-Class
Average Full Coverage Rate
$1,699Premiums for Mercedes C-Class are:$403 more
This is 31% more expensive.
Value
The Mercedes C-Class' MSRP of $52,200 makes it a luxury car. Its high price leads to higher insurance costs.
Repair costs
The Mercedes C-Class has an annual repair cost of $739, below the national average. Lower labor costs and affordable part replacements can reduce insurance expenses.
Performance
The Mercedes C-Class' 0-to-60 time of 5.3 seconds and 255 horsepower aren't considered high-performance. Lower performance can mean lower insurance costs.
Vehicle age
Newer Mercedes C-Class models are usually more expensive to insure. Collector and classic cars are exceptions and can be costly to insure.
Safety features
The Mercedes C-Class has safety features like stability control, airbags and antilock brakes, which can lower accident risk and qualify for insurance discounts.
Vehicle size
Larger vehicles often cost more to insure due to potential property damage. Weighing 3,825 lbs, the Mercedes C-Class may have higher insurance costs.
Trim level
Higher trim levels come with premium upgrades, increasing the MSRP and insurance costs. For the Mercedes C-Class, higher trims are more expensive to insure than the base model.
Theft rates
Vehicles with a higher theft risk often have higher insurance costs. The Mercedes C-Class has a moderate theft risk, which could increase its premiums.
Cheapest Mercedes C-Class Insurance
GEICO offers the cheapest annual minimum coverage for a Mercedes C-Class at $477, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance rates across coverage levels, age groups, driving records and model years.
Cheapest Mercedes C-Class Insurance by Coverage Level
Choosing your coverage level greatly impacts your Mercedes C-Class insurance rate. GEICO offers the most affordable minimum coverage, while State Farm provides the cheapest full coverage. Below is a breakdown of the cheapest providers for both types.
Cheapest Mercedes C-Class Minimum Coverage
GEICO and State Farm offer the cheapest minimum coverage for a Mercedes C-Class at $40 monthly. Travelers is next at $49, followed by Progressive at $52 and Farmers at $53.
| USAA | $33 | $395 |
| GEICO | $40 | $477 |
| State Farm | $40 | $479 |
| Travelers | $49 | $593 |
| Progressive | $52 | $628 |
| Farmers | $53 | $633 |
| Nationwide | $54 | $650 |
| Allstate | $54 | $652 |
*GEICO offers non-military-affiliated Mercedes C-Class owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Mercedes C-Class Insurance Rates by Model Year
The above list doesn't consider your vehicle's production year, which means older models might have lower rates. Use the table below to find the cheapest minimum coverage rates for each Mercedes C-Class production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $662 | $55 |
| Farmers | $696 | $58 |
| GEICO | $510 | $43 |
| Nationwide | $652 | $54 |
| Progressive | $687 | $57 |
| State Farm | $472 | $39 |
| Travelers | $639 | $53 |
| USAA | $396 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Mercedes C-Class Insurance
State Farm offers the cheapest full coverage for a Mercedes C-Class at $1,367 annually or $114 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $106 | $1,267 |
| State Farm | $114 | $1,367 |
| GEICO | $120 | $1,444 |
| Nationwide | $138 | $1,657 |
| Travelers | $144 | $1,725 |
| Progressive | $151 | $1,817 |
| Allstate | $164 | $1,973 |
| Farmers | $168 | $2,012 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Mercedes C-Class owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Mercedes C-Class Insurance by Age
Drivers aged 16 to 25 and those 55 and older often pay more for Mercedes C-Class insurance. Below is a breakdown of the cheapest options by age.
Cheapest Mercedes C-Class Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Mercedes C-Class insurance with State Farm at $87 monthly or $1,047 yearly for minimum coverage. Below is the complete list of affordable auto insurance rates for young drivers.
| USAA | $68 | $817 |
| State Farm | $87 | $1,047 |
| GEICO | $94 | $1,125 |
| Travelers | $103 | $1,231 |
| Allstate | $122 | $1,461 |
| Nationwide | $142 | $1,708 |
| Farmers | $142 | $1,710 |
| Progressive | $153 | $1,838 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Mercedes C-Class Insurance for Seniors
State Farm provides the cheapest car insurance for seniors aged 55 and up at $44 monthly or $527 annually. See the full list of affordable Mercedes C-Class insurers below.
| USAA | $44 | $525 |
| State Farm | $44 | $527 |
| GEICO | $47 | $568 |
| Travelers | $59 | $709 |
| Nationwide | $64 | $763 |
| Progressive | $64 | $772 |
| Allstate | $66 | $788 |
| Farmers | $71 | $852 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Mercedes C-Class Insurance After an Accident
For Mercedes C-Class drivers, State Farm, GEICO and Travelers offer the most affordable car insurance after an accident. See the complete list below.
| State Farm | $50 | $599 |
| USAA | $50 | $599 |
| GEICO | $62 | $749 |
| Travelers | $70 | $845 |
| Allstate | $74 | $884 |
| Nationwide | $83 | $998 |
| Progressive | $84 | $1,014 |
| Farmers | $110 | $1,316 |
Mercedes C-Class Insurance Cost: Bottom Line
Make it a habit to compare rates from multiple providers to find the most affordable car insurance. This article explored Mercedes C-Class insurance, including costs across various demographics and the cheapest providers.
Mercedes C-Class Insurance Rates: FAQ
Below are answers to common questions about the costs of insuring a Mercedes C-Class.
What company has the cheapest car insurance for a Mercedes C-Class?
GEICO offers the cheapest insurance for a Mercedes-C-Class, with an annual minimum coverage rate of $477.
What is the average cost of car insurance for a Mercedes C-Class?
The average annual insurance cost for a Mercedes C-Class is $571 for minimum coverage and $1,699 for full coverage.
Mercedes C-Class Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Mercedes C-Class insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Mercedes C-Class:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Mercedes C-Class insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Mercedes C-Class.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.