How much is insurance on a Mercedes-Benz C-Class?
A 2024 Mercedes-Benz C-Class runs about $3,020 a year for a typical 45-year-old, $1,080 more than an average car of the same age, because of higher crash-repair losses and higher non-crash losses. Putting a new 16-year-old on a family policy with the C-Class adds about $1,990 a year (#4 of 4 midsize luxury cars we compare).
2024 Mercedes-Benz C-Class (C300), national average
about $3,020 a year (about $250 a month)
Estimated range: $2,000–$4,350. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 C-Class drops to about $2,120 (see the table below).
Priced for the 2024 C300, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Mercedes-Benz C-Class's rank is the same in every state.
Why the Mercedes-Benz C-Class costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (Mercedes-Benz C class 4dr and Mercedes-Benz C class 4dr 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 167 for crash repairs, 160 for non-crash damage, 104 for damage to others' property, and 105 for injury claims.
- Crash repairs (collision)fixing this car after a crashSubstantially worse than average67% worse than averageworst of the 4 midsize luxury cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesSubstantially worse than average60% worse than averageworst of the 4 midsize luxury cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage4% worse than average3rd best of the 4 midsize luxury cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 5% more often than averageworst of the 4 midsize luxury cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Mercedes-Benz C-Class comes out about 65% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add an adjustment fitted to those prices. With it, the part of the bill that fixes the car is about 111% more than average: about $2,010 a year vs $950. On the liability side, damage to others and injury claims combine to about 4% worse than average. We count about half, so that part is about 2% more: $1,010 a year vs $990.
By EPA size class the Mercedes-Benz C-Class is a small car with a hybrid powertrain, and HLDI tracks the C-Class alongside midsize luxury cars.
- HLDI's loss data has no separate figures for this hybrid, so we used the gas version's.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to HLDI series “Mercedes-Benz C class 4dr; Mercedes-Benz C class 4dr 4WD” (HLDI, 2022–24 models).
A used Mercedes-Benz C-Class, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 C300 (0–3 years old) | about $3,020 | about $1,010 | +$1,990 | about $8,660 |
 2022 C300 (4–7 years old) | about $2,780 | about $1,010 | +$1,830 | about $7,970 |
 2018 C300 (8–12 years old) | about $2,330 | about $940 | +$1,540 | about $6,700 |
 2013 C250 (13 or more years old) | about $2,120 | about $910 | +$1,400 | about $6,080 |
Our catalog covers the Mercedes-Benz C-Class across model years 2006–2027. Full coverage on a used 2013 C-Class (13 or more years old) runs about $2,120 a year, $900 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $910 a year. Each photo shows that year's generation of the car. Photo credits.
All 3 versions of the 2024 Mercedes-Benz C-Class in our catalog (AMG C43 4matic, C300 and C300 4matic) price within about $50 a year of each other.
On a policy of their own with a 2024 Mercedes-Benz C-Class, a 22–25-year-old pays about $3,920 a year ($910 more than a 45-year-old), a 26–39-year-old about $3,350, and a driver 65 and older about $3,170.
Adding a 16-year-old with a Mercedes-Benz C-Class
A new driver costs more with any car, and more than usual with the Mercedes-Benz C-Class: adding a 16-year-old raises the family bill by about $1,990 a year ($165 a month), $710 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $8,660 a year ($6,670 more than adding them to the family policy).
For adding a teen driver, the Mercedes-Benz C-Class ranks 3rd most expensive out of all 121 models we track. Stepping down to a used 2013 C-Class (13 or more years old) brings the teen add-on to about $1,400 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize luxury cars
Among these 4 midsize luxury cars, the Mercedes-Benz C-Class is the most expensive to insure. Just below it is the BMW 330i, at about $2,850 a year.
2024 Lexus ESabout $2,250 ($770 less)
2024 Tesla Model 3about $2,790 ($230 less)
2024 BMW 330iabout $2,850 ($170 less)- 2024 Mercedes-Benz C-Classabout $3,020 (this car)
Photos from Wikimedia Commons contributors. Photo credits.
What a Mercedes-Benz C-Class costs in your state
In six sample states, a 2024 Mercedes-Benz C-Class runs from about $1,940 a year in Maine through Wyoming, Oregon, Massachusetts and Colorado to about $3,620 in Texas:
- Maineabout $1,940/yr · +$1,280 teen
- Wyomingabout $2,470/yr · +$1,630 teen
- Oregonabout $2,660/yr · +$1,750 teen
- Massachusettsabout $2,960/yr · +$1,960 teen
- Coloradoabout $3,470/yr · +$2,290 teen
- Texasabout $3,620/yr · +$2,390 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.