The Mercedes-Benz E-Class lineup includes the Mercedes E 350 Sedan, E 350 4MATIC Sedan, E 450 4MATIC Sedan, and the AMG E 53 Sedan. Convertibles, sedans, and coupes are available in any trim level. No matter which type of Mercedes-Benz E-Class you drive, it needs to be protected with the right car insurance.
When it's time to find the best Mercedes-Benz E-Class insurance, an independent insurance agent can assist you. These agents know where to get the right Mercedes insurance at a great rate. But first, here's a closer look at how much it costs to insure a Mercedes-Benz E-Class by model year and top-rated insurance company in 2026.
Key Takeaways - Mercedes-Benz E-Class Car Insurance
Mercedes-Benz E-Class insurance costs an average of $2,850 per year, or approximately $237 per month, for full coverage in 2026.
Progressive, Nationwide, and American Family are the cheapest carriers for model-year 2025 Mercedes-Benz E-Class insurance this year.
Mercedes-Benz E-Class insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $1,764 annually for full coverage, while those in Michigan pay $7,595.
Your age, location, credit, model, and driving history are all major factors that can influence the cost of Mercedes-Benz E-Class insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Mercedes-Benz E-Class model.
What Is Mercedes-Benz E-Class Insurance?
Mercedes-Benz E-Class insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As part of a luxury line, a Mercedes E-Class vehicle may require additional coverage beyond that needed by standard sedans. Additionally, the Mercedes E-Class average car insurance rates trend higher than those for similar vehicles.
Recommended coverage options for Mercedes-Benz E-Class drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Mercedes-Benz E-Class:
- Mercedes warranty insurance: This can extend Mercedes' manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Mercedes parts during the repair process.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Mercedes vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Your independent insurance agent knows which types of car insurance are required in your state. They'll help you get equipped with all the mandatory Mercedes E-Class insurance for your area.
How Much Does Mercedes-Benz E-Class Insurance Cost?
The average cost of car insurance for a Mercedes-Benz E-Class is $2,850 per year, or approximately $237 per month, for full coverage. However, several factors can influence the cost of Mercedes insurance, including:
- The specific type of E-Class you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Vehicle safety features
- Your driving history
- Annual mileage
- Your claims history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Mercedes-Benz E-Class full coverage insurance or a basic Mercedes-Benz E-Class liability insurance policy. They can also help you get the right policy for your specific vehicle, such as a Mercedes E 350.
Is the Mercedes-Benz E-Class Expensive to Insure?
Yes, the Mercedes-Benz E-Class is quite expensive to insure compared to other Mercedes models and all vehicles in general. The table below compares the E-Class's average monthly auto insurance rates to those of other Mercedes vehicles and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Mercedes-Benz E-Class | $237 |
| All Mercedes | $192 |
| All Cars | $175 |
Mercedes-Benz E-Class Insurance Costs by Model Year
Next, we'll break down several model years of the Mercedes-Benz E-Class and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Mercedes-Benz E-Class* | $2,785 |
| 2025 Mercedes-Benz E-Class | $3,781 |
| 2024 Mercedes-Benz E-Class | $4,020 |
| 2023 Mercedes-Benz E-Class | $3,762 |
| 2022 Mercedes-Benz E-Class | $1,321 |
| 2021 Mercedes-Benz E-Class | $1,727 |
| 2020 Mercedes-Benz E-Class | $1,327 |
| 2019 Mercedes-Benz E-Class | $1,101 |
| 2018 Mercedes-Benz E-Class | $1,206 |
| 2017 Mercedes-Benz E-Class | $1,075 |
| 2016 Mercedes-Benz E-Class | $972 |
| 2015 Mercedes-Benz E-Class | $651 |
| 2014 Mercedes-Benz E-Class | $466 |
| 2013 Mercedes-Benz E-Class | $743 |
| 2012 Mercedes-Benz E-Class | $659 |
| 2011 Mercedes-Benz E-Class | $737 |
| 2010 Mercedes-Benz E-Class | $784 |
*Note: The 2026 E-Class's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Mercedes-Benz E-Class Car Insurance Companies for 2026
You can find affordable Mercedes-Benz E-Class insurance from many different insurers across the U.S. These top-rated Mercedes car insurance companies provide the cheapest model-year 2025 E-Class insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $2,583 |
| Progressive | $2,775 |
| American Family | $3,051 |
| USAA | $3,276 |
| Erie | $3,724 |
| Allstate | $6,235 |
Mercedes-Benz E-Class Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit can all impact car insurance premium calculations. Here are some average auto insurance rates for the Mercedes-Benz E-Class by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $4,003 | $5,848 | $7,421 |
| Alaska | $3,321 | $4,601 | $4,497 |
| Arizona | $3,742 | $5,378 | $8,000 |
| Arkansas | $4,102 | $6,450 | $7,114 |
| California | $4,579 | $8,119 | $4,568 |
| Colorado | $4,266 | $5,967 | $7,613 |
| Connecticut | $5,479 | $8,436 | $10,738 |
| Delaware | $4,529 | $6,020 | $7,727 |
| Florida | $5,391 | $7,449 | $9,706 |
| Georgia | $4,383 | $6,577 | $6,602 |
| Hawaii | $1,764 | $2,351 | $1,762 |
| Idaho | $3,049 | $4,030 | $4,946 |
| Illinois | $3,219 | $4,816 | $5,494 |
| Indiana | $3,291 | $4,987 | $5,661 |
| Iowa | $2,596 | $3,557 | $4,207 |
| Kansas | $3,469 | $5,035 | $5,857 |
| Kentucky | $4,984 | $7,326 | $8,621 |
| Louisiana | $6,420 | $9,673 | $10,492 |
| Maine | $2,415 | $3,312 | $4,968 |
| Maryland | $3,891 | $5,669 | $6,290 |
| Massachusetts | $3,167 | $5,497 | $3,150 |
| Michigan | $7,595 | $11,535 | $18,204 |
| Minnesota | $3,126 | $4,151 | $5,868 |
| Mississippi | $3,760 | $5,382 | $5,435 |
| Missouri | $3,538 | $5,102 | $6,698 |
| Montana | $3,621 | $5,011 | $5,833 |
| Nebraska | $3,061 | $4,522 | $4,926 |
| Nevada | $5,021 | $7,459 | $7,876 |
| New Hampshire | $3,477 | $5,543 | $6,995 |
| New Jersey | $3,867 | $6,035 | $7,883 |
| New Mexico | $3,934 | $5,835 | $6,041 |
| New York | $3,692 | $4,608 | $7,672 |
| North Carolina | $2,228 | $3,857 | $2,773 |
| North Dakota | $3,082 | $4,734 | $5,574 |
| Ohio | $2,758 | $4,231 | $4,396 |
| Oklahoma | $4,386 | $6,302 | $7,102 |
| Oregon | $4,030 | $5,396 | $6,437 |
| Pennsylvania | $3,399 | $4,960 | $5,815 |
| Rhode Island | $5,641 | $8,261 | $9,332 |
| South Carolina | $3,798 | $5,289 | $7,339 |
| South Dakota | $3,462 | $4,957 | $5,717 |
| Tennessee | $4,077 | $5,948 | $7,900 |
| Texas | $4,092 | $5,858 | $7,303 |
| Utah | $3,441 | $4,851 | $6,673 |
| Vermont | $2,655 | $4,103 | $4,310 |
| Virginia | $2,497 | $3,882 | $3,761 |
| Washington | $3,361 | $4,514 | $5,412 |
| West Virginia | $3,347 | $4,819 | $5,996 |
| Wisconsin | $3,357 | $5,210 | $5,905 |
| Wyoming | $3,124 | $4,364 | $4,661 |
Average Mercedes-Benz E-Class Insurance Rates by Driver Age and Profile
A driver's age is one of the biggest factors that influences car insurance costs. Teens and young drivers pay the highest average insurance rates for a Mercedes E-Class. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Mercedes-Benz E-Class insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $11,970 | $17,531 | $20,512 |
| 20 | $9,245 | $13,487 | $15,822 |
| 25 | $5,413 | $7,921 | $9,238 |
| 30 | $4,230 | $6,207 | $7,179 |
| 35 | $3,926 | $5,785 | $6,768 |
| 40 | $3,753 | $5,513 | $6,517 |
| 45 | $3,706 | $5,402 | $6,291 |
| 55 | $3,405 | $4,952 | $5,799 |
| 65 | $3,519 | $5,174 | $6,053 |
| 75 | $4,427 | $6,555 | $7,648 |
Best Mercedes-Benz E-Class Insurance Discounts: How to Lower Your Mercedes E-Class Insurance Premiums
Though Mercedes-Benz E-Class insurance can be expensive, fortunately, there are some easy ways you can potentially save a lot of money on your policy. Just try any of these easy strategies to increase your savings:
- Ask about telematics programs: Your insurance company or Mercedes may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about Mercedes-Benz E-Class insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Mercedes-Benz E-Class insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Mercedes-Benz E-Class insurance from a trusted carrier near you.
A local independent insurance agent is your greatest ally when it comes to finding the best car insurance discounts and savings opportunities for your Mercedes-Benz E-Class auto coverage.
An Independent Insurance Agent Can Help You Get the Best Mercedes-Benz E-Class Insurance Quotes
When it's time to find the most affordable Mercedes-Benz E-Class insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Mercedes-Benz E-Class insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Mercedes-Benz E-Class Insurance
How much does Mercedes-Benz E-Class insurance cost per year?
The average annual cost of full coverage for a Mercedes-Benz E-Class is $2,850 per year, or approximately $237 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Mercedes-Benz E-Class insurance premiums?
Having accidents or traffic violations on your record, living in a high-theft rate area, filing prior car insurance claims, or having poor credit can all increase the cost of Mercedes-Benz E-Class insurance.
Is the Mercedes-Benz E-Class expensive to insure?
Yes, the Mercedes-Benz E-Class is quite expensive to insure on average when compared to other Mercedes vehicles and other cars in general.
What are the best and cheapest carriers for Mercedes-Benz E-Class insurance in 2026?
We found that Nationwide, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Mercedes-Benz E-Class insurance this year.
Does Mercedes-Benz E-Class insurance cost more than coverage for other Mercedes?
Yes, car insurance for the Mercedes E-Class costs more than the average cost of coverage for other Mercedes vehicles. The average monthly rate for the E-Class is $237, which is quite a bit higher than the $192 average for all Mercedes models.
How can I get cheaper Mercedes-Benz E-Class insurance?
Finding cheaper Mercedes-Benz E-Class insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/mercedes-benz/e-class/
https://www.insuranceopedia.com/auto-insurance/mercedes-benz-e-class-car-insurance