Best Mercedes-Benz S450 Insurance Rates [Coverage Guide]

If you want to buy Mercedes-Benz S450 auto insurance coverage online then a policy will cost $169 per month ($2,032 per year) on average. Finding Mercedes-Benz S450 teenager insurance coverage can cost on average $7,427 a year, so shop around to find cheap rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 31, 2020

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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 car insurance rates cost around $2,032 a year on average, but that can be reduced to $815 with a liability-only policy. It’s also nice to know that certain qualified drivers can save about $838 a year on Mercedes-Benz S450 insurance rates with policy discounts. Keep reading to learn all about Mercedes-Benz S450 rates so you can shop for a policy like a seasoned pro.

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

Mercedes-Benz S450 Insurance Cost

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

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Are Mercedes-Benz S450s Expensive to Insure?

The chart below details how Mercedes-Benz S450 insurance rates compare to other luxury cars like the Audi A6, Volvo S90, and Infiniti Q70.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz S450 $494 $982 $398 $2,032
Audi A6 $382 $744 $398 $1,682
Volvo S90 $356 $714 $398 $1,626
Infiniti Q70 $370 $774 $338 $1,618
Cadillac CT6 $382 $774 $398 $1,712
Jaguar XF $406 $804 $398 $1,766
BMW M3 $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?

The Mercedes-Benz S450 trim and model you choose can impact the total price you will pay for Mercedes-Benz S450 insurance coverage.

Age of the Vehicle

The average Mercedes-Benz S450 car insurance rates are higher for newer models. For example, car 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 effect on Mercedes-Benz S450 car insurance rates. For example, 30-year-old drivers pay $89 more for Mercedes-Benz S450 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Mercedes-Benz S450 insurance rates. For example, drivers in New York may pay $1,240 a year more than drivers in Seattle.

Your Driving Record

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

Mercedes-Benz S450 Safety Features

The Mercedes-Benz S450 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Mercedes-Benz S450 auto insurance rates. The Mercedes-Benz S450’s safety features include:

  • Forward collision warning
  • Pedestrian detection
  • Automatic emergency braking
  • Driver attention monitoring
  • Adaptive headlights
  • Automatic high-beam headlights
  • Blind-spot monitoring
  • Lane departure warning
  • Lane keep assist
  • Rearview camera
  • Automatic parking assist

Mercedes-Benz S450 Finance and Insurance Cost

If you are financing a Mercedes-Benz S450, you will pay more if you purchase Mercedes-Benz S450 car insurance at the dealership, so be sure to shop around and compare Mercedes-Benz S450 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Mercedes-Benz S450 Insurance

There are many ways that you can save on Mercedes-Benz S450 car insurance. Below are five actions you can take to find cheap Mercedes-Benz S450 auto insurance rates.

  • Move to an Area with a Lower Cost of Living
  • Don’t Skimp On Mercedes-Benz S450 Liability Coverage
  • Compare Insurance Companies After Moving
  • Watch Your Insurer Closely When Your Mercedes-Benz S450 Needs Repairs
  • Add a More Experienced Driver to Your Mercedes-Benz S450 Policy

Top Mercedes-Benz S450 Insurance Companies

Several insurance companies offer competitive rates for the Mercedes-Benz S450 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Mercedes-Benz S450 drivers organized by market share.

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

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

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