Mercedes-Benz CLS Car Insurance Cost 2025
On average, insuring a Mercedes-Benz CLS costs around $1,860 per year. However, the exact cost can vary depending on factors such as your age, the car’s model year, and other details. You can use our quote tables below to get a more accurate estimate of your specific costs.
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If you’re considering buying a Mercedes-Benz CLS, it’s important to think about the insurance costs. On average, insurance for a Mercedes-Benz CLS costs $1,860 per year. Insurance is a significant part of car ownership, so understanding this financial commitment beforehand is crucial.
Selecting the right car insurance is essential to avoid unexpected and costly surprises later. Adequate coverage can prevent large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all play a significant role in determining your insurance premiums.
How Much Does Mercedes-Benz CLS Car Insurance Cost?
On average, drivers of the Mercedes-Benz CLS can expect to pay around $1,860 per year for car insurance.
It’s important to understand that car insurance costs can vary greatly due to several factors. These include your location, driving history, the model year of your car, and the specific coverage options you choose. Maintaining a clean driving record can help lower your premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in an urban area with heavy traffic can lead to higher insurance rates compared to rural areas with less traffic. The type of coverage you select will also affect your premium—comprehensive insurance, which includes both comprehensive and collision coverage, generally costs more than minimum liability coverage.
As shown in the table below, the cost of insurance for a Mercedes-Benz CLS is higher than the average for all Mercedes models, but it is still more expensive than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance companies, so you can find the best deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| Mercedes-Benz CLS | $215 |
| All Mercedes | $194 |
| All Cars | $175 |
Average Insurance Cost Of Mercedes-Benz CLS By Model Year
| Model Year | Average Premium |
| 2024 Mercedes-Benz CLS | $4,351 |
| 2023 Mercedes-Benz CLS | $4,264 |
| 2022 Mercedes-Benz CLS | $1,606 |
| 2021 Mercedes-Benz CLS | $1,606 |
| 2020 Mercedes-Benz CLS | $1,904 |
| 2019 Mercedes-Benz CLS | $1,788 |
| 2018 Mercedes-Benz CLS | $2,281 |
| 2017 Mercedes-Benz CLS | $2,605 |
| 2016 Mercedes-Benz CLS | $1,270 |
| 2015 Mercedes-Benz CLS | $1,285 |
| 2014 Mercedes-Benz CLS | $1,158 |
| 2013 Mercedes-Benz CLS | $1,348 |
| 2012 Mercedes-Benz CLS | $1,201 |
| 2011 Mercedes-Benz CLS | $1,601 |
| 2010 Mercedes-Benz CLS | $1,353 |
2024 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2024 Mercedes-Benz CLS is $4,351. However, Travelers offers the cheapest rates, averaging $1,860 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,860 |
| Erie | $2,867 |
| California Capital | $3,274 |
| New York Central Mutual Fire | $3,455 |
| USAA | $4,555 |
| Farmers | $4,652 |
| Mercury | $5,296 |
| Grange | $5,315 |
| State Farm | $6,014 |
| Nationwide | $6,226 |
2023 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2023 Mercedes-Benz CLS is $4,264. However, Erie offers the cheapest rates, averaging $2,787 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $3,193 |
| Nationwide | $6,133 |
| Mercury | $5,229 |
| USAA | $4,480 |
| Travelers | $1,776 |
| New York Central Mutual Fire | $3,356 |
| Erie | $2,787 |
| Grange | $5,226 |
| State Farm | $5,939 |
| Farmers | $4,525 |
2022 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2022 Mercedes-Benz CLS is $4,264. However, Virginia Farm Bureau offers the cheapest rates, averaging $873 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,172 |
| Buckeye Insurance Group | $2,128 |
| American Family | $1,854 |
| Utica National Ins Group | $1,698 |
| Virginia Farm Bureau | $873 |
| ALFA | $1,474 |
| Hastings Mutual Insurance Co | $884 |
| Western Reserve | $2,006 |
| Ohio Mutual Ins Group | $2,101 |
| Auto-Owners Insurance Co | $1,873 |
2021 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2021 Mercedes-Benz CLS is $4,264. However, Virginia Farm Bureau offers the cheapest rates, averaging $873 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,172 |
| Buckeye Insurance Group | $2,128 |
| American Family | $1,854 |
| Utica National Ins Group | $1,698 |
| Virginia Farm Bureau | $873 |
| ALFA | $1,474 |
| Hastings Mutual Insurance Co | $884 |
| Western Reserve | $2,006 |
| Ohio Mutual Ins Group | $2,101 |
| Auto-Owners Insurance Co | $1,873 |
2020 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2020 Mercedes-Benz CLS is $1,904. However, SafeAuto offers the cheapest rates, averaging $628 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,370 |
| Hartford | $2,721 |
| Auto Club Group | $2,395 |
| National General Value | $1,978 |
| SafeAuto | $628 |
| 21st Century | $1,803 |
| Virginia Farm Bureau | $950 |
| Cincinnati Insurance | $2,559 |
| Mercury | $2,597 |
| California Capital | $2,034 |
2019 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2019 Mercedes-Benz CLS is $1,788. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,005 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,587 |
| Republic Indemnity | $2,450 |
| Georgia Farm Bureau | $2,103 |
| Penn National | $1,726 |
| Texas Farm Bureau Group | $1,005 |
| Mercury Insurance | $1,636 |
| National General RAD | $1,381 |
| Mississippi Farm Bureau | $2,085 |
| ACCC Insurance Company | $2,142 |
| Farm Bureau Mutual (IA Group) | $1,760 |
2018 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2018 Mercedes-Benz CLS is $2,281. However, Plymouth Rock offers the cheapest rates, averaging $1,969 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $2,104 |
| Plymouth Rock Assurance | $2,474 |
| Direct Auto | $2,453 |
| Esurance | $2,304 |
| Plymouth Rock | $1,969 |
| Allied | $2,186 |
| Erie | $2,053 |
| Atlantic States Insurance | $2,451 |
| Chubb | $2,472 |
| Victoria | $2,347 |
2017 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2017 Mercedes-Benz CLS is $2,605. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,467 per year.
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance Co | $1,879 |
| United Automobile Ins Group | $3,848 |
| Plymouth Rock | $3,061 |
| Penn National | $2,498 |
| Texas Farm Bureau Group | $1,467 |
| 21st Century | $2,084 |
| Country | $1,584 |
| USAA | $3,163 |
| Alliance United | $3,773 |
| Allied | $2,697 |
2016 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2016 Mercedes-Benz CLS is $1,270. However, American National P offers the cheapest rates, averaging $633 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $997 |
| North Carolina Farm Bureau | $1,661 |
| West Bend Mutual | $1,540 |
| Buckeye Insurance Group | $1,228 |
| American National P | $633 |
| Titan | $1,047 |
| Farm Bureau Mutual (IA Group) | $961 |
| Utica National Ins Group | $1,577 |
| Western Reserve | $1,589 |
| Southern Farm Bureau | $1,469 |
Find Affordable Mercedes-Benz CLS Insurance Rates
2015 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2015 Mercedes-Benz CLS is $1,285. However, Kemper Auto offers the cheapest rates, averaging $213 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $771 |
| Plymouth Rock Assurance | $2,268 |
| Capital Insurance Group | $1,622 |
| American National P | $1,018 |
| Kemper Auto | $213 |
| Safeco | $782 |
| SafeAuto | $587 |
| 21st Century | $2,048 |
| Penn National | $2,223 |
| Texas Farm Bureau Group | $1,315 |
2014 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2014 Mercedes-Benz CLS is $1,158. However, SafeAuto offers the cheapest rates, averaging $545 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $635 |
| Mercury Insurance | $1,656 |
| Capital Insurance Group | $1,451 |
| Texas Farm Bureau Group | $1,182 |
| SafeAuto | $545 |
| Virginia Farm Bureau | $1,031 |
| American National P | $623 |
| Southern Farm Bureau | $1,512 |
| North Carolina Farm Bureau | $1,599 |
| Pekin Insurance | $1,350 |
2013 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2013 Mercedes-Benz CLS is $1,348. However, Safeco offers the cheapest rates, averaging $488 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $1,291 |
| Grange Mutual | $1,758 |
| New Jersey Manufacturers | $1,479 |
| GMAC Insurance Group | $1,320 |
| Safeco | $488 |
| SafeAuto | $1,305 |
| North Carolina Farm Bureau | $1,116 |
| Penn National | $1,647 |
| Kentucky Farm Bureau | $1,733 |
| Mississippi Farm Bureau | $1,339 |
2012 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2012 Mercedes-Benz CLS is $1,201. However, Safeco offers the cheapest rates, averaging $316 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $1,192 |
| Pekin Insurance | $1,465 |
| Texas Farm Bureau Group | $1,333 |
| SafeAuto | $1,243 |
| Safeco | $316 |
| North Carolina Farm Bureau | $1,201 |
| Virginia Farm Bureau | $1,168 |
| Mercury Insurance | $1,304 |
| GMAC Insurance Group | $1,456 |
| SECURA Insurance | $1,328 |
2011 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2011 Mercedes-Benz CLS is $1,601. However, New York Central Mutual Fire offers the cheapest rates, averaging $422 per year.
| Insurance Provider | Average Annual Cost |
| Liberty Mutual | $1,356 |
| USAA | $2,142 |
| National General | $2,077 |
| Farm Bureau Mutual (IA Group) | $1,543 |
| New York Central Mutual Fire | $422 |
| Travelers | $1,467 |
| Texas Farm Bureau Group | $757 |
| California Capital | $2,133 |
| Republic Indemnity | $2,172 |
| State Farm | $1,937 |
2010 Mercedes-Benz CLS Insurance Rates
The average annual insurance cost for a 2010 Mercedes-Benz CLS is $1,353. However, SafeAuto offers the cheapest rates, averaging $709 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $859 |
| Grange | $1,901 |
| National General Value | $1,687 |
| Country | $1,474 |
| SafeAuto | $709 |
| Farm Bureau Mutual (IA Group) | $941 |
| SECURA Insurance | $735 |
| Esurance | $1,807 |
| California Capital | $1,799 |
| Direct Auto | $1,616 |
Find Affordable Mercedes-Benz CLS Insurance Rates
Is A Mercedes-Benz CLS Expensive To Insure?
The cost of insuring a Mercedes-Benz CLS is higher than the overall average for all cars. However, the exact amount you’ll pay for car insurance will depend on several factors, including your age, the age of your car, your location, and other considerations.
Cost of Mercedes-Benz CLS Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers usually pay the highest premiums due to their higher involvement in accidents. As you age and gain more driving experience, your premiums typically decrease because you’re considered a lower risk.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $15,264 | $22,385 | $26,208 |
| 18 | $14,237 | $20,933 | $24,444 |
| 19 | $12,572 | $18,467 | $21,594 |
| 20 | $10,956 | $16,092 | $18,851 |
| 21 | $9,199 | $13,487 | $15,823 |
| 22 | $8,929 | $13,156 | $15,389 |
| 23 | $7,844 | $11,506 | $13,418 |
| 24 | $7,461 | $10,902 | $12,787 |
| 25 | $6,413 | $9,427 | $11,076 |
| 30 | $4,961 | $7,330 | $8,579 |
| 35 | $4,689 | $6,894 | $8,074 |
| 40 | $4,525 | $6,620 | $7,733 |
| 45 | $4,384 | $6,437 | $7,524 |
| 55 | $4,024 | $5,920 | $6,943 |
| 65 | $4,179 | $6,173 | $7,226 |
| 75 | $5,333 | $7,781 | $9,093 |
Mercedes-Benz CLS Car Insurance Rates By State
Your location plays a major role in how insurance companies determine rates. Each state regulates its own auto insurance, which can lead to varying premiums. For example, drivers in Michigan often pay higher premiums due to the state’s requirement for higher levels of coverage. Additionally, climate factors, such as extreme weather events like hurricanes, storms, and flooding, can affect rates.
Each area also has its own statistics regarding crime and auto accidents, including car thefts, crashes, and vehicle fatalities. Insurance companies take all of these factors into account when calculating your specific Mercedes-Benz CLS insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $4,764 | $6,927 | $8,847 |
| Alaska | $3,953 | $5,473 | $5,322 |
| Arizona | $4,477 | $6,451 | $9,549 |
| Arkansas | $4,877 | $7,711 | $8,446 |
| California | $5,414 | $9,635 | $5,445 |
| Colorado | $5,102 | $7,109 | $9,055 |
| Connecticut | $6,474 | $10,103 | $12,809 |
| Delaware | $5,377 | $7,171 | $9,234 |
| Florida | $6,407 | $8,889 | $11,559 |
| Georgia | $5,240 | $7,823 | $7,871 |
| Hawaii | $2,079 | $2,870 | $2,094 |
| Idaho | $3,631 | $4,797 | $5,870 |
| Illinois | $3,820 | $5,764 | $6,520 |
| Indiana | $3,901 | $5,971 | $6,671 |
| Iowa | $3,055 | $4,220 | $4,971 |
| Kansas | $4,095 | $5,987 | $7,017 |
| Kentucky | $5,898 | $8,704 | $10,295 |
| Louisiana | $7,614 | $11,541 | $12,496 |
| Maine | $2,898 | $4,013 | $5,888 |
| Maryland | $4,681 | $6,805 | $7,538 |
| Massachusetts | $3,698 | $6,519 | $3,715 |
| Michigan | $9,039 | $13,733 | $21,683 |
| Minnesota | $3,704 | $4,928 | $6,944 |
| Mississippi | $4,448 | $6,370 | $6,436 |
| Missouri | $4,230 | $6,043 | $7,918 |
| Montana | $4,278 | $5,963 | $6,975 |
| Nebraska | $3,626 | $5,395 | $5,842 |
| Nevada | $5,997 | $8,862 | $9,402 |
| New Hampshire | $4,159 | $6,591 | $8,336 |
| New Jersey | $4,592 | $7,194 | $9,458 |
| New Mexico | $4,694 | $6,942 | $7,235 |
| New York | $4,336 | $5,488 | $9,161 |
| North Carolina | $2,673 | $4,626 | $3,314 |
| North Dakota | $3,675 | $5,637 | $6,633 |
| Ohio | $3,241 | $5,063 | $5,196 |
| Oklahoma | $5,239 | $7,475 | $8,468 |
| Oregon | $4,778 | $6,386 | $7,654 |
| Pennsylvania | $4,029 | $5,904 | $6,944 |
| Rhode Island | $6,700 | $9,846 | $11,063 |
| South Carolina | $4,553 | $6,352 | $8,729 |
| South Dakota | $4,091 | $5,905 | $6,789 |
| Tennessee | $4,783 | $7,075 | $9,428 |
| Texas | $4,851 | $6,995 | $8,683 |
| Utah | $4,092 | $5,814 | $7,965 |
| Vermont | $3,194 | $4,885 | $5,139 |
| Virginia | $2,991 | $4,579 | $4,524 |
| Washington | $3,941 | $5,381 | $6,394 |
| West Virginia | $3,957 | $5,703 | $7,161 |
| Wisconsin | $3,962 | $6,196 | $7,070 |
| Wyoming | $3,678 | $5,181 | $5,564 |
Find Affordable Mercedes-Benz CLS Insurance Rates
Cheapest Car Insurance Companies For A Mercedes-Benz CLS
If you’re looking to buy a new car insurance policy for your Mercedes-Benz CLS, you may be interested in knowing which companies offer the most affordable rates. Elephant is currently the cheapest provider, with premiums starting at $34 per month for a Mercedes-Benz CLS. However, rates can vary based on your driver profile, so this rate is just an average. To find the best deal for your specific situation, it’s recommended to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| Elephant | $34 |
| StateAuto | $101 |
| Mercury | $70 |
| Good2Go | $183 |
| MetLife | $50 |
Common Mercedes-Benz CLS Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each provider may offer different discounts, here are some common ones you can check your eligibility for:
- Multi-policy: Bundling your home and auto insurance with the same provider can often result in a discount.
- Pay annually: If you pay your premium in full instead of in monthly installments, you may qualify for a lower rate.
- Defensive driving: Completing a defensive driving course from a certified provider can make you eligible for a discount.
There may be other discounts available to you, so it’s a good idea to speak with your insurance agent to find out which ones you qualify for.
Ways To Save On Mercedes-Benz CLS Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Mercedes-Benz CLS insurance costs low. A speeding ticket or involvement in an accident can lead to higher premiums. For instance, drivers with a ticket on their record can expect to pay around $132 per month, while those with multiple accidents will pay an average of $81 per month. By avoiding these incidents, you can keep your insurance costs more affordable.
Additionally, drivers with low annual mileage tend to pay less for Mercedes-Benz CLS insurance. Since they spend less time on the road, they have fewer opportunities to get into accidents, making them a lower risk to insure. For example, drivers covering 2,501-5,000 miles per year typically pay about $66 per month, while those who drive over 10,000 miles annually can expect to pay $95 per month.
Compare Mercedes-Benz CLS To Other Mercedes Models
- Mercedes-Benz B250 Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual figures for your policy may differ based on your individual circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Mercedes-Benz CLS?
Yes, you will need to provide proof of insurance before driving your Mercedes-Benz CLS off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than obtaining insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Mercedes-Benz CLS?
The best way to find the most affordable rates for your Mercedes-Benz CLS is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
