Mercedes S-Class Auto Insurance Rates

Finding affordable Mercedes S-Class auto insurance is key to protecting yourself and your wallet. Cheap Mercedes S-Class auto insurance rates can be as high as $1,833.33/mo, but your rates will vary based on your location. Read our Mercedes S-Class auto insurance review and use our FREE comparison tool to find numerous Mercedes S-Class auto insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Mercedes S-Class: Getting Insured

The S-Class is a full-size luxury sedan in Mercedes’ lineup. Starting at around $92,000, it is on the higher cost spectrum of Mercedes’ repertoire. As a new car buyer, you should consider the costs of ownership.

If you’re buying a new model, Mercedes S-Class auto insurance costs might not be an issue, but it is always a good idea to save wherever possible. For full coverage with high limits and low deductibles, owners can pay as much as $22,000 annually, so finding cheap car insurance rates may be difficult.

If you’d like to learn more about Mercedes S-Class auto insurance rates, read on. And enter your ZIP code above to get a FREE quote.

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Mercedes S-Class: Ratings & Reviews

The S-Class is available in 6 trim levels that offer a wide range of engine choices. The base S350 Bluetec sedan sports a diesel-powered V6, while if you upgrade to the S65 AMG, you get an impressive V12 engine that puts out 621 horsepower.

Standard features are too numerous to recount in a single sitting, so take our word for it that this car is well decked out in all kinds of features and options. The S350’s strong point is that it is particularly fuel-efficient for a full-size sedan, while the V8-V12 trim levels are incredibly nimble on the road. There is an S-class trim for everybody.

Cheapest Mercedes S-Class Auto Insurance Companies

Mercedes S-Class: Insurance Costs

Insurance costs will vary from insurer to insurer and driver to driver. However, there are a few determining factors that influence insurers in quoting you a premium.

Driving history and credit history generally play a key role. Driving records will show how much of a conscientious driver you are. If you have a pristine history, you’ll see lower rates, as you will be less risky for insurance companies to insure. If you have an excellent credit score, it shows you’re financially responsible. This, in turn, shows that you’ll be able to pay your monthly premiums in a timely fashion.

In addition, location is another determining factor. Do you live in an urban area that sees high volumes of traffic congestion? If so, you might see a higher rate than people in other areas.

Despite the fact that you might be an excellent driver with no accidents on your record, simply being in such an area puts you at a higher risk of being in an accident. While you might be responsible behind the wheel, there is a higher risk of some Speed Racer wannabe cutting you off and causing an accident.

Mercedes S-Class: Safety Ratings

The 2012 S-Class hasn’t been tested by the federal government or the IIHS. However, don’t fear, it has an extensive number of safety features that make it a secure car. Standard on all models are: Antilock brakes, 8 airbags, brake assist, and Mercedes’ Pre-safe system. The Pre-safe system uses sensors to detect potential collisions and preps the cabin for impact. To read more about this system, please visit Mercedes’ website. These features can help lower your premium.

Mercedes S-Class: Obtain an Insurance Quote

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