Mercedes E Class Insurance
(And how to get the lowest premiums)
The Mercedes E Class lineup includes the E 350 Sedan, E 350 4MATIC Sedan, E 450 4MATIC Sedan, AMG E 53 Sedan, and the E 350 4MATIC Sedan. While there are many factors that go into your Mercedes E Class insurance premiums, it's crucial to get a quote the represents the best possible combination of value and coverage. An independent insurance agent can help you get multiple quotes from different insurance companies and compare those options. You need car insurance personalized to meet your needs and protect your luxury vehicle.
Not sure where to look?
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 E Class.
What Kind of Insurance Do You Need for Your Mercedes E Class?
Bodily injury liability
In an accident you cause while driving your Mercedes E Class, you are legally liable for injuries to other people. Bodily injury liability insurance, required in most states, pays for the costs of recovery and medical care for people hurt in an accident.
Property damage liability
Property damage liability insurance is legally required in many areas of the country. It's smart to talk with your agent about how much of this type of insurance you need to be well covered in case of an accident.
Medical payments/Personal injury protection
You can choose between medical payments insurance and personal injury protection, depending on where you live. This insurance may even be mandatory. This policy pays for physical recovery costs for you and your passengers after an accident.
Uninsured motorist coverage
Nearly every state has laws about how much auto insurance drivers must have. Even so, many drivers choose to operate their vehicles without the proper amounts of insurance. Uninsured and underinsured motorist coverage protects your financial interests. If you are in an accident with someone who isn't insured, this policy prevents you from having to pay to repair or replace your vehicle.
Collision insurance coverage pays out if you are in an accident with another vehicle or you hit something with your Mercedes. Depending on the value of your vehicle, you may or may not want this additional coverage.
If you hit an animal or your Mercedes is vandalized, comprehensive insurance coverage pays to replace or repair your car, minus your deductible. This coverage handles any damage not covered under your collision policy.
Replacing your Mercedes windshield could cost more than $1,000. With a zero-deductible glass coverage policy, which costs just a few dollars each month, your out-of-pocket costs for windshield replacement could be zero.
If you owe more on your Mercedes than it's worth, gap insurance is a smart choice. Your agent can help you understand how this coverage works and whether it could help protect your finances if your Mercedes is a total loss after an accident.
What Affects the Cost of Insurance for Your Mercedes E Class?
Annual mileage: Mercedes drivers who put more than 10,000 to 15,000 miles on their car each year pay slightly higher insurance rates.
Your driving record: You'll pay less to insure your Mercedes if your driving record is spotless. With an at-fault accident or moving violation on your record, you may need to shop around more to find the best rates.
The value of your vehicle: 2020 Mercedes E Class prices start at about $54,000, stretching up to more than $100,000. Luxury vehicles tend to cost more to insure because it's more expensive to fix or replace them after an accident.
Average Mercedes E Class Insurance Costs
On average a 40-year-old Mercedes E Class driver pays $1,612 per year for full coverage auto insurance. A 16 year old driver pays average rates that are much higher at $5,742 per year. High-risk drivers also pay higher-than-average rates at $3,496 annually.
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The Safety of Your Mercedes E Class
Your vehicle's safety contributes to your likelihood of being in an accident. Vehicles with advanced safety features may be less expensive to insure. The 2020 Mercedes E Class lineup has an impressive selection of safety technology features:
- Active drive distance assist DISTRONIC®
- Active brake assist
- ATTENTION ASSIST®
- Rear cross-traffic alert
- Active parking assist
- Active emergency stop assist
- Active lane change assist
- Active lane keeping assist
- Congestion emergency braking
- Evasive steering assist
- Active speed limit assist
How Location Affects Your Mercedes E Class Insurance
Where you live has a lot to do with your car insurance premiums, so you'll need a personalized quote from your agent.
Mercedes E Class full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary greatly from one city to the next:
|Los Angeles, CA:||Chicago, IL:||Columbus, OH:|
Additional Factors that Affect Your Mercedes E Class Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Mercedes E Class
|Average annual cost to insure a Mercedes E Class with full coverage:||$1,332|
|Top three most expensive states for Mercedes E Class insurance:|
|New York, Michigan, and Florida||$2,180|
|Top three most affordable states for Mercedes E Class insurance:|
|Utah, Ohio, and New Hampshire||$1,160|
Top Independent Insurance Carriers That Insure the Mercedes E Class
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Mercedes E Class Quote
With help from an independent insurance agent, you'll get multiple quotes for Mercedes E Class insurance. You can find an agent in your area by using the TrustedChoice.com find-an-agent tool. Reach out to an agent today to get the best possible rates on the insurance you need most.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver