Newer Mercedes C-Class models cost more to insure than older ones due to higher market values. Monthly premiums range from about $337 for 2025 models to around $71 for older Mercedes C-Class vehicles.
Mercedes C-Class Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Mercedes C-Class owners, though full coverage insurance costs vary widely by model year and company at around $177 monthly. Read more.
Wagons usually cost less to insure than other vehicle types, and the C-Class ranks 6th out of 40 wagons for affordability in the US market. Lower repair costs and better safety ratings help keep wagon premiums down. Read more.
Getting accurate insurance quotes means checking rates for your C-Class's specific model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific C-Class model years depending on the age of the drivers.
How Much Is Mercedes C-Class Insurance?
Looking for another Mercedes model? Read more about the cost of Mercedes car insurance models.
Insurance rates depend on model year and insurer. Full coverage for a Mercedes C-Class spans $139 monthly with GEICO to $296 with AIG, while minimum coverage goes from $64 with GEICO to $131 with Farmers.
Rate variations (more than $67 for minimum coverage and $157 for full coverage) highlight why comparing insurers matters for C-Class owners. Companies calculate risk differently for each model, which affects your final quote.
| AAA | $102 | $211 |
| AIG | $120 | $296 |
| Allstate | $124 | $240 |
| Amica | $117 | $239 |
| Chubb | $108 | $215 |
| Farmers | $131 | $231 |
| Geico | $64 | $139 |
| Kemper | $77 | $159 |
| Nationwide | $95 | $165 |
| Progressive | $86 | $161 |
| State Farm | $80 | $167 |
| The Hartford | $96 | $163 |
| Travelers | $77 | $142 |
| UAIC | $113 | $140 |
Is Mercedes C-Class Expensive to Insure?
MoneyGeek's analysis of 40 wagons shows the Mercedes C-Class ranking 6th for affordability, meaning five vehicles cost less to insure. It's positioned a few dollars per month more expensive than a Volkswagen Passat and slightly cheaper than a Volvo V70. This middle-tier standing among wagons provides useful context for comparison shopping.
While wagons are generally expensive to insure, the C-Class ranks 23rd out of 827 total cars in our database, placing it among the top 3% most affordable vehicles overall. The cheapest wagon to insure is the Saab 9-5, while the Audi RS 6 commands the highest premiums in this category.
| Saturn S-Series | $83 | 3 |
| Volvo V40 | $87 | 4 |
| Volkswagen Passat | $88 | 5 |
| Mercedes C-Class | $89 | 6 |
| Volvo V70 | $97 | 7 |
| Volvo V50 | $103 | 8 |
| Chrysler PT Cruiser | $104 | 9 |
Several factors affect what you'll pay for Mercedes C-Class insurance:
- Average Repair or Replacement Costs: Mercedes C-Class maintenance costs average $1,407 annually, ranking as the 5th most affordable Mercedes model to maintain out of 22 available models.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 155 to 503 depending on the trim, with higher performance variants commanding higher premiums due to their extreme power capabilities and increased risk profile.
- Driver Profile: The C-Class usually attracts drivers aged 30 to 50 with a median age around 40, who generally enjoy lower rates due to responsible driving habits. However, its performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Mercedes C-Classs for young drivers.
Mercedes C-Class Insurance Cost by State
Mercedes C-Class insurance costs range from $43 monthly in Wyoming to $181 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk characteristics and insurance regulations rather than anything specific about the vehicle itself.
| Alabama | $77 | $148 |
| Alaska | $69 | $149 |
| Arizona | $102 | $191 |
| Arkansas | $74 | $164 |
| California | $86 | $176 |
| Colorado | $87 | $208 |
| Connecticut | $118 | $205 |
| Delaware | $117 | $196 |
| Florida | $101 | $235 |
| Georgia | $123 | $204 |
| Hawaii | $48 | $110 |
| Idaho | $50 | $102 |
| Illinois | $84 | $158 |
| Indiana | $56 | $111 |
| Iowa | $56 | $134 |
| Kansas | $68 | $159 |
| Kentucky | $106 | $182 |
| Louisiana | $181 | $384 |
| Maine | $50 | $104 |
| Maryland | $133 | $225 |
| Massachusetts | $90 | $192 |
| Michigan | $142 | $276 |
| Minnesota | $78 | $166 |
| Mississippi | $81 | $162 |
| Missouri | $112 | $222 |
| Montana | $72 | $173 |
| Nebraska | $67 | $152 |
| Nevada | $136 | $248 |
| New Hampshire | $66 | $117 |
| New Jersey | $136 | $225 |
| New Mexico | $72 | $161 |
| New York | $99 | $178 |
| North Carolina | $70 | $138 |
| North Dakota | $61 | $134 |
| Ohio | $67 | $131 |
| Oklahoma | $86 | $192 |
| Oregon | $95 | $166 |
| Pennsylvania | $84 | $196 |
| Rhode Island | $110 | $196 |
| South Carolina | $85 | $160 |
| South Dakota | $55 | $175 |
| Tennessee | $70 | $142 |
| Texas | $111 | $227 |
| Utah | $86 | $146 |
| Vermont | $46 | $111 |
| Virginia | $83 | $134 |
| Washington | $77 | $144 |
| West Virginia | $85 | $173 |
| Wisconsin | $61 | $135 |
| Wyoming | $43 | $129 |
Mercedes C-Class Costs by Model Year and Insurance Company
The model year of your Mercedes C-Class affects your insurance costs, along with driver ages on your policy. A 35- to 55-year-old driver pays around $143 monthly for full coverage on a 2016 C-Class, while the same driver pays $352 monthly for a 2025 model.
Young drivers in their teens and early 20s will pay more across all model years. Kemper offers the most affordable rates across all C-Class model years and could save you hundreds monthly. Shopping between different insurers gives you the best opportunity to reduce your premium costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Mercedes C-Class
| Geico | $120 | $265 |
| Kemper | $123 | $252 |
| State Farm | $130 | $274 |
| Travelers | $138 | $255 |
| The Hartford | $144 | $245 |
| National General | $148 | $303 |
| Progressive | $151 | $286 |
| Nationwide | $154 | $268 |
| UAIC | $177 | $224 |
| AAA | $189 | $397 |
| Chubb | $228 | $460 |
| Allstate | $240 | $464 |
| AIG | $244 | $616 |
| Amica | $246 | $505 |
| Farmers | $263 | $463 |
Cost of Car Insurance for 2024 Mercedes C-Class
| Geico | $111 | $243 |
| Kemper | $113 | $232 |
| State Farm | $120 | $252 |
| Travelers | $126 | $234 |
| The Hartford | $132 | $225 |
| National General | $136 | $278 |
| Progressive | $139 | $262 |
| Nationwide | $141 | $246 |
| UAIC | $162 | $205 |
| AAA | $174 | $364 |
| Chubb | $209 | $422 |
| Allstate | $221 | $426 |
| AIG | $224 | $565 |
| Amica | $225 | $464 |
| Farmers | $241 | $425 |
Cost of Car Insurance for 2023 Mercedes C-Class
| Travelers | $68 | $127 |
| Geico | $71 | $157 |
| Kemper | $74 | $154 |
| State Farm | $79 | $166 |
| Nationwide | $81 | $141 |
| Progressive | $81 | $152 |
| National General | $82 | $169 |
| UAIC | $97 | $121 |
| AAA | $104 | $218 |
| The Hartford | $108 | $184 |
| Chubb | $120 | $242 |
| Allstate | $125 | $243 |
| Amica | $127 | $262 |
| AIG | $131 | $330 |
| Farmers | $138 | $241 |
Cost of Car Insurance for 2022 Mercedes C-Class
| Geico | $94 | $206 |
| National General | $107 | $220 |
| Travelers | $111 | $205 |
| Kemper | $113 | $233 |
| State Farm | $114 | $240 |
| Progressive | $124 | $234 |
| The Hartford | $131 | $223 |
| Nationwide | $135 | $235 |
| AAA | $142 | $296 |
| UAIC | $148 | $187 |
| Chubb | $164 | $331 |
| Amica | $173 | $355 |
| AIG | $182 | $457 |
| Allstate | $186 | $363 |
| Farmers | $193 | $341 |
Cost of Car Insurance for 2021 Mercedes C-Class
| Geico | $96 | $211 |
| National General | $110 | $226 |
| Travelers | $114 | $210 |
| Kemper | $116 | $239 |
| State Farm | $117 | $247 |
| Progressive | $128 | $240 |
| The Hartford | $134 | $229 |
| Nationwide | $138 | $241 |
| AAA | $146 | $304 |
| UAIC | $152 | $192 |
| Chubb | $169 | $340 |
| Amica | $178 | $365 |
| AIG | $187 | $470 |
| Allstate | $191 | $373 |
| Farmers | $198 | $351 |
Cost of Car Insurance for 2020 Mercedes C-Class
| Geico | $93 | $205 |
| National General | $107 | $219 |
| Travelers | $110 | $204 |
| Kemper | $112 | $232 |
| State Farm | $114 | $239 |
| Progressive | $123 | $232 |
| The Hartford | $130 | $222 |
| Nationwide | $134 | $233 |
| AAA | $141 | $295 |
| UAIC | $147 | $186 |
| Chubb | $163 | $329 |
| Amica | $172 | $353 |
| AIG | $181 | $455 |
| Allstate | $185 | $361 |
| Farmers | $192 | $340 |
Cost of Car Insurance for 2019 Mercedes C-Class
| Geico | $72 | $159 |
| National General | $83 | $170 |
| Travelers | $86 | $158 |
| Kemper | $87 | $180 |
| State Farm | $88 | $186 |
| Progressive | $96 | $181 |
| The Hartford | $101 | $172 |
| Nationwide | $104 | $181 |
| AAA | $110 | $229 |
| UAIC | $115 | $144 |
| Chubb | $127 | $256 |
| Amica | $134 | $275 |
| AIG | $140 | $354 |
| Allstate | $144 | $281 |
| Farmers | $149 | $264 |
Cost of Car Insurance for 2018 Mercedes C-Class
| Geico | $69 | $151 |
| Travelers | $76 | $140 |
| National General | $77 | $158 |
| State Farm | $87 | $183 |
| Kemper | $90 | $186 |
| Progressive | $91 | $171 |
| Nationwide | $96 | $168 |
| AAA | $108 | $224 |
| Chubb | $109 | $219 |
| The Hartford | $110 | $188 |
| UAIC | $117 | $145 |
| Amica | $123 | $252 |
| AIG | $132 | $327 |
| Allstate | $133 | $258 |
| Farmers | $143 | $252 |
Cost of Car Insurance for 2017 Mercedes C-Class
| Travelers | $71 | $132 |
| Geico | $72 | $157 |
| National General | $78 | $161 |
| Progressive | $96 | $179 |
| Chubb | $96 | $193 |
| State Farm | $96 | $201 |
| Nationwide | $97 | $168 |
| Kemper | $104 | $217 |
| AAA | $118 | $245 |
| Amica | $123 | $252 |
| Allstate | $133 | $257 |
| UAIC | $135 | $164 |
| AIG | $136 | $330 |
| The Hartford | $136 | $232 |
| Farmers | $152 | $266 |
Cost of Car Insurance for 2016 Mercedes C-Class
| National General | $48 | $99 |
| Kemper | $53 | $110 |
| Geico | $54 | $119 |
| Progressive | $55 | $104 |
| Travelers | $58 | $107 |
| State Farm | $65 | $138 |
| UAIC | $68 | $84 |
| The Hartford | $74 | $126 |
| Chubb | $83 | $161 |
| Allstate | $84 | $163 |
| Nationwide | $84 | $147 |
| AIG | $87 | $214 |
| Amica | $91 | $188 |
| AAA | $92 | $192 |
| Farmers | $110 | $198 |
Mercedes C-Class Insurance Cost by Trim
Mercedes C-Class insurance costs vary widely by trim, from $456 monthly for full coverage on high-performance variants like the C 63 S E Performance AMG 4MATIC+ to $47 for minimum coverage on basic models like the C 250 Luxury Sedan 4D. Performance features, rarity and market value determine where your trim falls in this range.
| C 250 Luxury Sedan 4d | $47 | $92 |
| C 250 Coupe 2d | $47 | $92 |
| C 250 Sport Sedan 4d | $47 | $92 |
| C 350 4matic Coupe 2d | $47 | $93 |
| C 350 Coupe 2d | $48 | $94 |
| C 320 Wagon 4d | $53 | $102 |
| C 230 Sedan 4d | $53 | $102 |
| C 320 4matic Wagon 4d | $53 | $103 |
| C 230 Sport Coupe 2d | $54 | $104 |
| C 400 4matic Sedan 4d | $55 | $109 |
| C 240 Sedan 4d | $56 | $109 |
| C 320 4matic Sport Sedan 4d | $57 | $111 |
| C 43 Sedan 4d | $58 | $113 |
| C 350e Plug-In Hybrid Sedan 4d | $60 | $117 |
| C 240 4matic Sedan 4d | $61 | $119 |
| C 32 Amg Sedan 4d | $62 | $120 |
| C 280 Sedan 4d | $63 | $121 |
| C 320 Sedan 4d | $63 | $122 |
| C 280 4matic Sedan 4d | $63 | $122 |
| C 320 Sport Coupe 2d | $64 | $123 |
| C 230 Sport Sedan 4d | $65 | $126 |
| C 240 Wagon 4d | $67 | $130 |
| C 320 4matic Sedan 4d | $68 | $131 |
| C 240 4matic Wagon 4d | $68 | $131 |
| C 320 Sport Sedan 4d | $68 | $132 |
| C 450 Amg 4matic Sedan 4d | $70 | $138 |
| C 300 Sedan 4d | $73 | $143 |
| C 300 4matic Sport Sedan 4d | $73 | $142 |
| C 300 4matic Luxury Sedan 4d | $74 | $144 |
| C 43 Amg 4matic Sedan 4d | $76 | $149 |
| C 350 Sport Sedan 4d | $76 | $148 |
| C 300 4matic Sedan 4d | $78 | $153 |
| C 350 Sedan 4d | $80 | $155 |
| C 32 Amg Sport Sedan 4d | $85 | $164 |
| C 43 Amg 4matic Coupe 2d | $88 | $173 |
| C 300 Coupe 2d | $88 | $173 |
| C 300 4matic Coupe 2d | $91 | $179 |
| C 300 Sport Sedan 4d | $91 | $176 |
| C 350 4matic Sedan 4d | $92 | $177 |
| C 300 Luxury Sedan 4d | $93 | $180 |
| C 63 Amg Edition 507 Coupe 2d | $100 | $198 |
| C 63 Amg Sedan 4d | $100 | $196 |
| C 63 Amg Edition 507 Sedan 4d | $103 | $202 |
| C 300 Cabriolet 2d | $103 | $202 |
| C 43 Amg 4matic Cabriolet 2d | $104 | $203 |
| C 43 Amg Sedan 4d | $104 | $205 |
| C 63 Amg Coupe 2d | $105 | $206 |
| C 300 4matic Cabriolet 2d | $110 | $216 |
| C 43 Amg Coupe 2d | $116 | $227 |
| C 43 Amg Cabriolet 2d | $125 | $246 |
| C 300 | $128 | $253 |
| C 300 4matic | $134 | $263 |
| C 63 S Amg Sedan 4d | $138 | $272 |
| C 63 Amg Cabriolet 2d | $139 | $274 |
| C 63 Amg Black Series Coupe 2d | $142 | $280 |
| C 63 S Amg Cabriolet 2d | $151 | $296 |
| C 63 S Amg Coupe 2d | $153 | $301 |
| C 55 Amg Sport Sedan 4d | $154 | $297 |
| C 43 Amg 4matic | $162 | $319 |
| C 63 S E Performance Amg 4matic+ | $231 | $456 |
How to Lower the Cost of Mercedes C-Class Insurance
Here are proven strategies to lower your Mercedes C-Class insurance costs without sacrificing coverage:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Mercedes C-Class. Own your vehicle? Get your state's minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive, collision with $500 deductible and gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for luxury sedans. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates for your Mercedes C-Class.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and verify AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need assistance most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Mercedes C-Class owners often qualify for safety features discounts, good driver rewards, bundling savings when combining auto and home policies, and anti-theft device discounts for factory-installed security systems.
- 5Consider Alternative Car Insurance Types
Mercedes C-Class owners might benefit from usage-based insurance programs. Options like Mercedes-Benz mbrace telematics or Progressive Snapshot track safe driving habits and deliver premium reductions based on your actual driving behavior rather than general risk factors.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Mercedes C-Class insurance. Set a calendar reminder to shop around each renewal period.
Mercedes C-Class Insurance Cost: Bottom Line
Mercedes C-Class insurance costs less than average, so you're already ahead of the game. You'll get even better rates by shopping multiple insurers, claiming available discounts and adjusting your coverage options.
Mercedes C-Class Insurance Rates: FAQ
What is the average cost of car insurance for a Mercedes C-Class?
Mercedes C-Class insurance costs $1,086 annually for state minimum coverage and $2,126 yearly for full coverage. These rates represent competitive pricing compared to other luxury vehicles.
What company has the cheapest car insurance for a Mercedes C-Class?
GEICO provides the most affordable minimum coverage for a Mercedes C-Class at $768 annually. The insurer also delivers the best value for full coverage at $1,672 per year.
Are Mercedes C-Classs expensive to insure?
No, Mercedes C-Class insurance is not expensive compared to most vehicles. This model ranks 23rd out of 827 vehicles for affordability, placing it among the more budget-friendly options to insure overall.
What factors affect insurance costs for Mercedes C-Classs?
Various elements affect Mercedes C-Class insurance rates. Luxury vehicle parts increase repair costs, while advanced safety features can lower premiums. Your driving record, credit score, and coverage selections influence your final rate, along with your location and annual mileage.
How can I lower Mercedes C-Class insurance costs?
Compare quotes from multiple insurers since Mercedes C-Class pricing differs significantly between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to get better rates.
How We Determined Mercedes C-Class Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Mercedes C-Class insurance costs.
Who We Based These Rates On
These Mercedes C-Class rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.