Mercedes C Class Insurance

Insuring Your Mercedes C Class

(And how to get the lowest premiums)

Mercedes C Class

The Mercedes C Class lineup includes the C 300, AMG C 43, AMG C 63, and AMG C 63 S. You can get a convertible, sedan, or coupe in any trim level as well. There are many factors contributing to your Mercedes C Class car insurance premiums. An independent insurance agent can reach out to multiple insurance companies to help you design an insurance package that's an ideal match for you and your Mercedes. 

Not sure where to find an independent insurance agent in your area? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Mercedes C Class. 

What Kind of Insurance Do You Need for Your Mercedes C Class?

Bodily injury liability

Bodily injury liability pays for the costs of medical care and recovery if someone is hurt in an accident you cause while driving your Mercedes C Class. 

Property damage liability

Property damage liability insurance may be legally required, but think about purchasing more than the minimum amount. Your agent can help you decide which level of liability insurance may work best for you. 

Medical payments/Personal injury protection

Medical payments insurance or personal injury protection insurance may be required where you live. This policy pays for the costs associated with physical recovery for those hurt in a car accident. 

Uninsured motorist coverage

Uninsured and underinsured motorist coverage protects you from the financial problems that can come with being involved in an accident if the other person doesn't have the right amounts or types of auto insurance. Without it, you could be responsible for paying to fix or replace your Mercedes on your own. 

Optional Coverage:

Collision

Collision insurance coverage replaces or repairs your Mercedes C Class if you are in an accident with another vehicle or you hit an object. Depending on the value of your car, this coverage may or may not be the right choice. 

Comprehensive

If your Mercedes is damaged in an accident with an animal or falling object, comprehensive insurance coverage pays to replace or repair your car, minus the deductible. This coverage handles damage caused by anything not covered in your collision insurance policy. 

Glass coverage

Replacing a Mercedes windshield can be expensive. In many cases, you'll have to have the work done at a Mercedes dealership. A zero-deductible glass coverage insurance policy add-on is an inexpensive way to protect you from having to pay those costs out-of-pocket. 

Gap insurance

If you owe more on your Mercedes than it's worth, check to see if you have gap insurance. If not, you can easily add it to your auto insurance policy. Without this coverage, you'll be responsible for paying the "gap" between the insurance company's settlement and the outstanding amount on your loan if you are in an accident that totals your car. 

What Affects the Cost of Insurance for Your Mercedes C Class?

Annual mileage: If you plan to drive your C Class more than 10,000 to 15,000 miles each year, you may pay elevated insurance rates. 

Your driving record: Drivers with multiple speeding tickets or accidents on their records should expect to pay higher insurance rates than those with a spotless driving record. 

The value of your vehicle: The Mercedes C Class is a luxury vehicle with a higher-than-average price tag, which could contribute to higher insurance premiums. 

Average Mercedes C Class Insurance Costs

A 40-year-old Mercedes C Class driver pays an average of $1,652 annually for full coverage auto insurance. Younger and high-risk drivers pay the highest average rates. For example, a 16-year-old with moving violations and an at-fault accident faces an average annual insurance premium of $8,500 per year for full coverage on a Mercedes C Class vehicle. 

Your independent insurance agent can help you understand insurance quotes and design coverage that meets your needs. 

The Safety of Your Mercedes C Class

The Mercedes C Class received a "good" rating from the Insurance Institute for Highway Safety (IIHS). The National Highway Traffic Safety Administration (NHTSA) gave the 2020 C-Class a four-star safety rating in rollover and frontal crash tests. 

Advanced safety technology works to decrease the severity and likelihood of accidents. The newest C-Class vehicles offer pedestrian detection, blind-spot monitoring, driver attention monitoring, crosswind assist, and forward collision warning with every vehicle. 

How Location Affects Your Mercedes C Class Insurance 

Where you live has a big effect on your car insurance premiums, so it's important to get a personalized quote from your independent insurance agent. A 40-year-old Mercedes C Class driver with full coverage insurance and a good driving record can expect to see these average annual premiums: 

Los Angeles, CA:Chicago, IL:Columbus, OH:
$2,826$2,218$1,379

Additional Factors that Affect Your Mercedes C Class Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Mercedes C Class

Average annual cost to insure a Mercedes C Class with full coverage:$1,652
Teens:$5,928
High-risk drivers:$3,568
High deductibles:$1,396
Low deductibles: $2,148
Top three most expensive states for Mercedes C Class insurance:
Florida, New York, and Michigan$2,230 a year
Top three most affordable states for Mercedes C Class insurance: 
 North Carolina, Wisconsin, and Vermont$1,080 a year

Top Independent Insurance Carriers That Insure the Mercedes C Class

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Mercedes C Class Quote

With the help of an independent insurance agent, you can get multiple quotes for Mercedes C Class insurance with just one call. Use the TrustedChoice.com find-an-agent tool to locate an agent in your area. Get started today to find insurance that meets your needs and fits your budget. 


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TrustedChoice.com Article | Reviewed by Greg Safford

©2020, Consumer Agent Portal, LLC. All rights reserved.

Sources: IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver