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Car Insurance Quotes for a Mercedes E-Class

Are You Getting the Cheapest Car Insurance Available for a Mercedes E-Class?

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How Much Is Car Insurance for a Mercedes E-Class?

Drivers pay on average an annual premium for a Mercedes E-Class auto policy of $2,110 for full coverage and $948 for state-required minimum liability coverage.

All drivers must carry an auto insurance policy. Two options for cheap insurance are liability-only and full coverage. Across the nation, drivers pay $2,014 for a full coverage package and $622 for a liability-only policy.

Ready to learn more about what your policy could look like? If so, let Freeway Insurance present you with various options based on your budget and coverage needs.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Mercedes E-Class to Other Vehicles

There are many reasons why Mercedes E-Class drivers pay higher or lower premiums than comparable vehicles, such as crash test ratings, number of anti-theft devices, repair cost, resale value, and hundreds of other variables underwriters at auto insurance companies use to evaluate risk for every make and model it insures.

Make/Model Annual Full Coverage Insurance
Mercedes E-Class $2,110
Audi A6 $2,222
BMW 5 Series $2,180
Genesis G80 $2,298
Lexus ES $1,952

Types of Car Insurance Coverage for a Mercedes Sedan

Drive a Mercedes E-Class? If so, you are required to have auto insurance coverage to drive legally in your state.

Two types of coverage to consider are liability-only and full coverage, which provides a combination of first and third-party benefits covering the cost of damages for everything from vehicle to object collisions and natural disasters.

Full Coverage

Full coverage offers the best protection possible. It combines first and third-party benefits such as liability, collision, and comprehensive, which covers additional scenarios to pay for repairs due to crashes and non-crash-related events like theft, natural disasters, and rollovers.

As a result, full coverage generally costs several hundred dollars more per year than a liability-only policy.

State Minimum Liability

All drivers must carry legally mandated minimum liability insurance, with limits for bodily injury and property damage set by each state. These requirements are expressed as three numbers (e.g., 25/50/20) for bodily injury liability per person, bodily injury liability per accident, and property damage liability per accident.

For example, all Nevada drivers must carry a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage per accident.

Individual Factors That Influence Pricing for the Mercedes Luxury Sedan

There are many things auto insurance companies look at to determine the cost of your premiums, including your vehicle type, selected coverages/deductibles, and discount eligibility.


In short, expensive vehicles tend to command higher premiums due to the cost of specialized parts and required repair expertise.

Selected Coverage

By adding collision and comprehensive coverage to your policy, increasing coverage limits, and lowering deductibles, you transfer more significant risk to your insurance provider, incurring fewer out-of-pocket costs on your behalf. Consequently, premiums will increase.


One of the best ways to keep premiums down is by inquiring about and enrolling in discount programs. Everything from safe driving to usage space discounts (via telematics) may be available for the taking, just as long as you are eligible.

Mercedes-Benz E-CLass 200 V W213, S213, C238 front view – cheap car insurance

How Does a DUI Affect Insurance Rates?

Any driver convicted of a first, second, or subsequent DUI offense can see everything from increased premiums to mandatory counseling, creating a financial and administrative hassle for all.

Firstly, any DUI offense will automatically increase your premiums, as well as reclassify you as a high-risk driver. With that, there’s no guarantee that your existing provider will continue coverage. You might be forced to seek providers specializing in high-risk drivers, easily doubling or tripling your premiums.

Regrettably, a DUI will remain on your record for several years. Generally, this time frame goes up to seven years, a time window that varies depending on the state you live in. Even if a DUI conviction occurred 10 years ago, providers may still factor them into their underwriting calculations for future quotes.

Remember that you will most likely be required to file for an SR-22. Also known as a “Certificate of Financial Responsibility,” this form is filed on your behalf by your provider, letting your state’s Department of Motor Vehicles know you have an active policy. This add-on will remain on file for several years, allowing the state to monitor your insurance status.

All in all, avoid drinking and driving at all costs. Your future premiums depend on it.

What Are Some Car Insurance Discounts for a Mercedes E-Class?

If you want to enjoy anywhere from 5% to 25% off of your monthly premiums, look into discount programs offered by providers.

Two discounts worth exploring are good driver and multi-policy discounts.

Driving records for the past three to five years (no claims, accidents, or moving violations) will likely earn you a good driver discount, whereas purchasing two or more policies under the same insurer (e.g., auto, motorcycle, and life) may offer a multi-policy discount.

You can also ask about the following discounts:

  • Low Mileage. Driving fewer than the average miles annually assures insurers that you are at a lower risk, incentivizing you accordingly.
  • Good Student. If you maintain a minimum grade point average (e.g., 3.0 from a qualifying high school or college), then you may see slightly lower insurance premiums.
  • Safety Feature. Installing safety-related features in your vehicle, such as anti-theft devices, will help reduce the likelihood of an accident.
  • Military/Veteran. Former or current military personnel can benefit from a small premium reduction.
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What Are Some of the Characteristics of the Mercedes E-Class?

This is a vehicle in the luxury midsize convertible sedan segment.

It is available in three trims: 350, 450, E 53, and E63S.

Standard features include Apple CarPlay/Android Auto compatibility, HD radio, Bluetooth, two USB ports, and a 12.3-inch touchscreen. Upgrading to higher-level trims adds a 12-3-inch digital cluster, panoramic sunroof, Wi-Fi hotspot, and gesture-based control system.

Main competitors are the Audi A6, BMW 5 series, Genesis G80, and the Lexus ES.

Find the Best Car Insurance Rates Online for the Mercedes E-Class Today

If you’re ready to consult Freeway Insurance about your next policy, there are three ways to do it.

The first is by calling us at (800) 777-5620, requesting a free quote online, or visiting one of our offices  for a quick chat with one of our representatives. Get in touch with us today!

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