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Mercedes-Benz S450 Insurance Cost Estimate

Key takeaways:

  • Full coverage costs around $2,032 a year or $169 each month
  • A liability-only policy costs around $815 a year or $68 each month
  • Highest rates are for teenage drivers at around $7,427 a year or $619 each month
  • Good drivers can save as much as $838 a year by earning policy discounts
  • Mercedes-Benz S450 insurance costs around $513 more per year than the average vehicle

Mercedes-Benz S450 insurance rates are $513 more expensive than the average vehicle. You can pay as low as $68 per month for liability-only coverage, but full coverage is $101 more expensive. Continue reading to learn how you can get cheaper Mercedes-Benz S450 insurance rates.

You can start comparing quotes for Mercedes-Benz S450 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Mercedes-Benz S450 Insurance Cost

The average Mercedes-Benz S450 auto insurance rates are $2,032 a year or $169 a month.

Are Mercedes-Benz S450s Expensive to Insure?

The chart below details how Mercedes-Benz S450 insurance rates compare to other luxury cars like the Mercedes-Benz E300, Cadillac CT6, and Audi A7.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz S450 $494 $982 $398 $2,032
Mercedes-Benz E300 $394 $744 $338 $1,612
Cadillac CT6 $382 $774 $398 $1,712
Audi A7 $406 $834 $398 $1,796
Chevrolet Corvette $494 $922 $264 $1,790
Lexus IS 300 $356 $686 $398 $1,598
Jaguar XF $406 $804 $398 $1,766
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However, there are a few things you can do to find the cheapest Mercedes-Benz insurance rates online.

What Impacts the Cost of Mercedes-Benz S450 Insurance?

You might have noticed that there is a multitude of factors that impact Mercedes-Benz S450 auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Mercedes-Benz S450.

Age of the Vehicle

Older Mercedes-Benz S450 models generally cost less to insure. For example, auto insurance rates for a 2018 Mercedes-Benz S450 are $2,032, while 2010 Mercedes-Benz S450 rates are $1,568, a difference of $464.

Model Year Comprehensive Collision Liability Total
2018 Mercedes-Benz S450 $494 $982 $398 $2,032
2017 Mercedes-Benz S450 $478 $958 $416 $2,010
2016 Mercedes-Benz S450 $462 $918 $430 $1,968
2015 Mercedes-Benz S450 $436 $886 $442 $1,922
2014 Mercedes-Benz S450 $420 $822 $452 $1,852
2013 Mercedes-Benz S450 $402 $774 $456 $1,790
2012 Mercedes-Benz S450 $386 $694 $460 $1,698
2011 Mercedes-Benz S450 $360 $638 $460 $1,616
2010 Mercedes-Benz S450 $348 $598 $464 $1,568
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Driver Age

Driver age can have a significant impact on the cost of Mercedes-Benz S450 auto insurance. For example, 20-year-old drivers pay approximately $2,486 each year for their Mercedes-Benz S450 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Mercedes-Benz S450 insurance rates. For example, drivers in Los Angeles may pay $291 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Mercedes-Benz S450 auto insurance. Teens and drivers in their 20’s see the highest jump in their Mercedes-Benz S450 auto insurance rates with violations on their driving record.

Mercedes-Benz S450 Safety Ratings

The Mercedes-Benz S450’s safety ratings will affect your Mercedes-Benz S450 auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Mercedes-Benz S450 Crash Test Ratings

If the Mercedes-Benz S450 crash test ratings are good, you could have lower Mercedes-Benz S450 auto insurance rates. See Mercedes-Benz S450 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Mercedes-Benz S450 N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Mercedes-Benz S450 Safety Features

Most drivers don’t realize that not only do Mercedes-Benz S450 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Mercedes-Benz S450 auto insurance rates. The Mercedes-Benz S450’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • eCall Emergency System Emergency Sos
  • PARKTRONIC w/Active Parking Assist Automated Parking Sensors
  • Blind Spot Assist Blind Spot
  • Forward Collision Mitigation
  • Active Lane Keeping Assist Lane Keeping Assist
  • Active Lane Keeping Assist Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag and Rear Side-Impact Airbag
  • Childseat Sensor and Rear Child Safety Locks
  • First Aid Kit
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Back-Up Camera

Mercedes-Benz S450 Finance and Insurance Cost

If you are financing a Mercedes-Benz S450, most lenders will require your carry higher Mercedes-Benz S450 coverages including comprehensive coverage, so be sure to compare Mercedes-Benz S450 auto insurance rates from the best companies using our FREE tool below.

5 Ways to Save on Mercedes-Benz S450 Insurance

Drivers can end up saving more money on their Mercedes-Benz S450 auto insurance rates by employing any one of the following strategies.

  • Ask About Retiree Discounts
  • Understand that Insurance Companies Can’t Change Your Mercedes-Benz S450 Insurance Rates Mid-Term Based on Changes to Your Credit Score
  • Take a Refresher Course as an Older Driver
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Use Paperless Billing for Your Mercedes-Benz S450 Auto Insurance Policy

Top Mercedes-Benz S450 Insurance Companies

Who is the top auto insurance company for Mercedes-Benz S450 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mercedes-Benz S450 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mercedes-Benz S450 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Mercedes-Benz S450 Insurance Quotes Online

To start comparing Mercedes-Benz S450 auto insurance quotes for free, use our online auto insurance comparison tool.


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