Mercedes-Benz S450 Insurance Cost [Rates + Cheap 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. On average, comprehensive coverage costs $495, collision coverage costs $722, and liability coverage costs $573 for Mercedes-Benz S450 insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 owners know that Mercedes-Benz S450 insurance rates can be expensive. Mercedes-Benz S450 insurance costs around $513 more per year than the average vehicle. Read on to learn what you can do to save on your Mercedes-Benz S450 insurance rates.

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 Mercedes-Benz S450 auto insurance costs are $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 S7, Audi A4, and BMW M3.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz S450 $494 $982 $398 $2,032
Audi S7 $532 $1250 $398 $2,338
Audi A4 $332 $656 $398 $1,544
BMW M3 $406 $804 $398 $1,766
Jaguar XE $382 $774 $398 $1,712
Jaguar XF $406 $804 $398 $1,766
Volvo S60 $332 $656 $398 $1,544
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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

Older Mercedes-Benz S450 models generally cost less to insure. 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 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 New York may pay $529 a year more than drivers in Chicago.

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

Your Mercedes-Benz S450 car insurance rates are influenced by the safety ratings of the Mercedes-Benz S450. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Mercedes-Benz S450 Crash Test Ratings

Mercedes-Benz S450 crash test ratings can impact your Mercedes-Benz S450 car 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

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:

  • 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
  • Collision Prevention Assist Plus
  • 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
  • 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 coverage options including comprehensive coverage, so be sure to shop around and compare Mercedes-Benz S450 auto insurance rates 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.

  • Use Paperless Billing for Your Mercedes-Benz S450 Insurance Policy
  • Pay Your Mercedes-Benz S450 Insurance Upfront
  • Ask About Mercedes-Benz S450 Discounts If You Were Listed on Someone Else’s Policy
  • Consider Renting a Car Instead of Buying a Second Mercedes-Benz S450
  • Add a More Experienced Driver to Your Mercedes-Benz S450 Policy

Top Mercedes-Benz S450 Insurance Companies

The best auto insurance companies for Mercedes-Benz S450 car insurance rates will offer competitive rates, discounts, and account for the Mercedes-Benz S450’s safety features. The following list of car insurance companies outlines which companies hold the highest 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 insurance from some of the top car insurance companies by using our free online tool today.

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