Updated: January 15, 2025
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Mercedes CLA 250 insurance costs may depend on your age. A 2015 model's average yearly premium ranges from $7,321 for a 16-year-old driver to $1,612 for a 40-year-old driver. Meanwhile, the annual cost for a 2022 model for a 16-year-old driver is around $8,460, while it’s around $1,877 for a 40-year-old.
MoneyGeek evaluated service quality and customer satisfaction to identify the best car insurance for Mercedes CLA 250 drivers.
When seeking insurance for a Mercedes CLA 250, affordability is often a top priority. Below are the most budget-friendly options for both full and minimum coverage:
Full Coverage Insurance:
- 2015 Model:
- GEICO: Offers the cheapest full coverage policy at approximately $1,298 per year.
- 2022 Model:
- Nationwide: Provides the most affordable full coverage rates at $1,603 per year.
For a 16-year-old driver, State Farm offers a cost-effective full coverage insurance policy for a 2022 Mercedes CLA 250, priced at $5,407 annually. In contrast, a 40-year-old driver can benefit from rates around $1,726.
Minimum Coverage Insurance:
- GEICO: For both the 2015 and 2022 models, GEICO provides the cheapest minimum coverage option at approximately $465 annually.
Key Considerations:
- While price is crucial, also consider the quality of service and customer satisfaction. For instance, GEICO not only offers affordable rates but also ranks highly with a MoneyGeek score of 90 out of 100.
- Insurance costs are influenced significantly by the driver’s age and the vehicle’s model year. Typically, younger drivers face higher premiums, and newer models are more expensive to insure.
- Rates can also vary depending on the location, so consider obtaining quotes specific to your area to ensure the best rate.
By focusing on these cost-effective insurers, Mercedes CLA 250 owners can achieve substantial savings on their insurance premiums while receiving quality service.
When considering the best car insurance provider for a Mercedes CLA 250, GEICO emerges as the top choice due to its combination of affordability and high service quality. According to MoneyGeek, GEICO has a MoneyGeek score of 90 out of 100. For a full coverage policy, GEICO offers the most competitive rates:
- For a 2015 Mercedes CLA 250: An annual premium of $1,298.
- For a 2022 Mercedes CLA 250: An annual premium of $1,440.
These rates make GEICO a compelling option for Mercedes CLA 250 owners looking for affordable and reliable insurance coverage. State Farm also offers a competitive choice with a MoneyGeek score of 89 out of 100, with an annual premium of $1,488 for a full coverage policy.
Age is a significant factor influencing car insurance premiums because it serves as a proxy for driving experience and risk assessment. Here's an explanation of how age affects insurance rates, along with specific annual costs for a Mercedes CLA 250 based on age:
Impact of Age on Insurance Premiums
1. Risk Assessment:
- Younger drivers, particularly teenagers, are statistically more likely to be involved in accidents due to their inexperience and propensity for risk-taking behaviors. As a result, insurers charge higher premiums to offset the potential costs associated with these risks.
2. Experience:
- Driving experience tends to increase with age. Older drivers are generally more cautious and have a better understanding of traffic laws and road safety, leading to a lower risk of claims.
3. Declining Rates Over Time:
- As drivers age and gain experience, their insurance premiums typically decrease. The most significant reductions occur in the late teens and early twenties, with rates stabilizing as drivers reach middle age.
Annual Costs for a Mercedes CLA 250
For a 2015 model:
- 16-Year-Old Driver:
- Average Yearly Premium: $7,321
- 40**-Year-Old Driver:**
- Average Yearly Premium: $1,612
For a 2022 model:
- 16-Year-Old Driver:
- Average Yearly Premium: $8,460
- State Farm offers a more budget-friendly plan at $5,407, while Progressive is the most expensive at $12,295.
- 40-Year-Old Driver:
- Average Yearly Premium: $1,877
Observations on Rate Decreases:
- Steep Decline in Early Years:
- Teen drivers face the highest premiums, which begin to drop steeply as they reach their 20s.
- Stabilization:
- Rates tend to stabilize in the 30s and early 40s as drivers are considered low-risk. For instance, a 40-year-old driver pays significantly less compared to a 16-year-old, reflecting maturity and risk reduction.
Conclusion
Insurance rates for a Mercedes CLA 250 vary widely depending on the age of the driver, with younger drivers paying substantially more. However, as drivers age and gather more experience, their premiums decrease significantly, reflecting the lower risk they present. Beyond price, it's vital for drivers to consider the insurance provider's reliability and service quality when choosing coverage. Evaluating multiple providers can help ensure comprehensive and cost-effective coverage.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Mercedes CLA 250.
We updated these rates to reflect the average cost of car insurance for a Mercedes CLA 250 as of 2023.
The average yearly cost of insuring a Mercedes CLA 250 is $1,782. However, your rate may vary by insurance provider. For a full coverage policy, GEICO offers the cheapest car insurance for a Mercedes CLA 250 at an average yearly premium of $1,440. The annual cost of Farmers’ plan is the highest, at roughly $2,094. GEICO's minimum insurance policy is also the cheapest, at around $465 per year, while Farmers’ is the most expensive, at an average of $775.
| GEICO | $1,440 |
| State Farm | $1,488 |
| Nationwide | $1,578 |
| Travelers | $1,664 |
| Allstate | $1,914 |
| Progressive | $1,983 |
| Farmers | $2,094 |
Insurance rates for the Mercedes CLA 250 are neither very expensive nor cheap relative to other vehicle models. Some car models may have lower insurance rates due to lower value, more affordable repair costs or reduced theft rates. The Mercedes CLA 250 has a fair value at a starting MSRP (manufacturer’s suggested retail price) of $37,450.
When determining the top Mercedes CLA 250 insurance, we recommend considering more than just the price. To find the best car insurance for this model, car owners should compare different providers and their ability to provide quality service and claims experience consistently.
MoneyGeek analyzed auto insurance providers and found that the best options for insuring the Mercedes CLA 250 are:
GEICO is the top-ranking insurance company due to its affordability and excellent customer service scores.
The most affordable insurance provider for your Mercedes CLA 250
Excellent customer satisfaction score
Offers Accident Forgiveness, Roadside Assistance and Mechanical Breakdown Insurance (MBI)
Average claims management score
No Gap Insurance or OEM (Original Equipment Manufacturer) coverage
If you drive a Mercedes CLA 250 and want to ensure you get the best insurance, GEICO offers excellent service at a competitive price point. This insurance provider offers rates that can reduce your monthly expenses and allow you to spend more time on the road enjoying your vehicle. The company’s add-on coverages also provide opportunities to save when your car needs repairs or you need emergency assistance.
GEICO's Accident Forgiveness, Roadside Assistance and MBI cater to various driver profiles, providing valuable peace of mind through protection against rate increases, roadside emergencies and costly mechanical repairs. The provider also runs discount programs such as DriveEasy, encouraging policyholders to be safe drivers. It tracks the policyholder’s driving and rewards best practices with premium savings.
Offers affordable rates for your Mercedes CLA 250
High scores in customer satisfaction
Offers Roadside Assistance and Rental Car coverage
No Gap Insurance
Low claims management score
Mercedes CLA 250 drivers can depend on State Farm to provide solid protection for your car without spending much money. MoneyGeek’s analysis found that the company offers quality customer service and affordable rates relative to other providers.
State Farm offers Emergency Roadside services and Rental Car insurance to help drivers get back on the road immediately after an emergency. If you experience a flat tire during a road trip, Emergency Roadside service can send help to replace it quickly. Rental Car insurance ensures you have a vehicle if your car is immobilized for more than 24 hours, minimizing any disruption to your plans.
Apart from offering some of the cheapest auto insurance rates, State Farm provides discounts to help drivers save more, including discounts for safe driving and insuring multiple cars.
The annual cost of a full coverage plan for a 2015 Mercedes CLA 250 is around $1,612. However, insuring a 2022 model costs approximately $1,877 for the same policy. The average cost of car insurance for a Mercedes CLA 250 can vary depending on the model year. Insurance companies tend to charge higher premiums for newer vehicles due to the increased expense of repairing or replacing them.
| 2022 | $1,877 |
| 2021 | $1,842 |
| 2020 | $1,765 |
| 2019 | $1,743 |
| 2018 | $1,693 |
| 2017 | $1,638 |
| 2016 | $1,639 |
| 2015 | $1,612 |
Average car insurance premiums for the Mercedes CLA 250 may vary widely across companies. GEICO offers the cheapest full coverage policy for a 2015 Mercedes CLA 250, with yearly premiums of around $1,298. For a 2022 model, Nationwide offers the most affordable insurance rates at just $1,603 per year.
| Nationwide | $1,603 |
| GEICO | $1,627 |
| Travelers | $1,639 |
| State Farm | $1,664 |
| Progressive | $2,140 |
| Farmers | $2,269 |
| Allstate | $2,294 |
The cost of car insurance for teens is generally higher than the rates for older drivers. Insurers factor in the driver's age when determining premiums, leading to a full coverage policy for a Mercedes CLA 250 costing as much as $7,822 annually for a 16-year-old driver. In comparison, a 40-year-old pays just $1,726 on average. Thankfully, the rates for teen drivers tend to decrease substantially after gaining a few years of driving experience and eventually stabilize in their 20s.
You can save money on Mercedes CLA 250 insurance for young drivers by exploring quotes from various providers. State Farm takes the lead in offering budget-friendly full coverage car insurance for teens, with a $5,407 annual premium for a 16-year-old driving a 2022 Mercedes CLA 250. Progressive provides the priciest option, with an average yearly rate of $12,295 for the same policy. These figures represent individual policies, but teens can reduce costs by joining their family's existing policy.
| State Farm | $5,407 |
| Nationwide | $6,539 |
| Travelers | $6,826 |
| GEICO | $7,527 |
| Allstate | $9,843 |
| Farmers | $10,966 |
| Progressive | $12,295 |
The cost of auto insurance for the Mercedes CLA 250 depends on various factors, including the driver's age, the vehicle's make and model and its year of production. However, location plays an even more significant role in influencing rates. For example, Florida has the most expensive average car insurance premiums, while Idaho offers the most affordable. We recommend comparing quotes from the cheapest insurers in your region to get the best deal.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Prospective buyers frequently wonder about cost and quality when seeking car insurance for a Mercedes CLA 250. We answered the most commonly asked questions.
Insuring a Mercedes CLA 250 costs around $1,782 yearly. This model’s cheapest full coverage policy is from GEICO, at an annual average of $1,440.
GEICO emerged as the best Mercedes CLA 250 insurance provider, according to MoneyGeek's research. Scoring an impressive 90 out of 100, it delivers exceptional value by blending affordability with a stellar reputation among its satisfied clientele.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
