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How A lot Motor Insurance Does a Mercedes-Benz Want? – Petrol Insider

Insurance is one of those expenses that nobody wants, but everyone needs it at some point, especially for Mercedes-Benz owners. Auto insurance is no exception – especially in the United States, where auto insurance is a legal requirement.

Most states require drivers to take out minimum liability insurance to protect others in the event that they are involved in an accident that causes personal injury or property damage. If you drive a high-end vehicle like a Mercedes-Benz, you likely want more coverage than the state minimum. However, auto insurance for your Benz can cost anywhere from $ 2,318 to $ 8,081 per year. That is why it is important to know how much insurance you need in order to find the best auto insurance for your Mercedes.

Types of insurance

First of all, you have to decide which type of insurance makes sense for your new Mercedes-Benz. Before getting a definitive policy, there are several types of insurance you need to consider. Some are mandatory depending on the state you live in, while others are complementary. Let's take a closer look at the competitors in each category.

Mandatory state insurance required

State mandates are the basis of your insurance policy, so you must meet the minimum requirements for your state. Each state has different rules, but the types of coverage are generally the same. The following coverage is required by law in most states in the United States:

  • Liability insurance: Pays for the injury or death of other people and their property if you get into an accident that is your fault.
  • Uninsured and underinsured driver protection: Covers your medical expenses and lost wages if you have an accident with an uninsured or underinsured driver. This is required by law in 22 states, including New York, West Virginia, and Missouri.
  • Personal protection (PIP): Also known as no-fault insurance, this insurance covers medical expenses and lost wages for you and your passengers if you get into an accident, regardless of who caused it. PIP is mandatory in fifteen states.
  • Cover for medical expenses: Health insurance is optional in most states. It covers medical costs if you or your passengers are injured in an accident. In contrast to personal injury insurance, however, it does not reimburse lost wages. If you already have PIP or health coverage, there is no need to add medical coverage to your auto insurance.

The following states require PIP from April 2021:

Delaware Maryland new York
Florida Massachusetts North Dakota
Hawaii Michigan Oregon
Kansas Minnesota Pennsylvania
Kentucky New Jersey Utah

In order to meet the statutory insurance obligations, you must have liability insurance. This should be sufficient in most situations, because in the event of an accident, medical expenses and property damage to other people will be covered. You can always inquire at your local Mercedes-Benz dealer about the vehicle insurance requirements in your state if you are still unsure.

Insurance coverage required for leased or financed cars

If you have a leased or financed car, the leasing or finance company may request the following insurance coverage:

  • Collision protection: This pays for damage to your car caused by an accident or other event.
  • Fully comprehensive insurance: This covers damage to your car that was not caused by a collision. This could be fire, theft, vandalism, forces of nature (lightning, hail, etc.) or damage caused by beating an animal.
  • Gap insurance: This type of insurance pays the difference between what you owe on your car and its current market value. If your car is totaled, this type of insurance will ensure that your lease or loan is paid off.

It is a good idea to check with your leasing agency or finance company before purchasing auto insurance. They may have certain guidelines that you need to follow when it comes to coverage. You may also need to take out premium coverage if you want full coverage, which is extremely important if your car is new or leased.

Optional insurance coverage to consider

Now that we've got the essentials covered, there are some types of supplementary insurance that you should consider. These are optional, so just keep in mind that you don't need to buy them. However, if you want the best possible protection for your Mercedes-Benz, you have to weigh all options.

  • Umbrella insurance: Umbrella insurance is a personal liability insurance that offers additional protection for your personal assets. It usually occurs when you have exhausted your liability insurance limit.
  • Roadside Assistance: This type of cover is only intended for emergencies, so you should also have a breakdown assistance plan through your Mercedes-Benz dealer. However, this insurance pays for locksmith services, tire changes, jump starters and other breakdown assistance.
  • Rent refund coverage: This reimburses you for the cost of renting a car if yours is in the shop after an accident.
  • Original equipment coverage: If you own a luxury car like a Mercedes, original equipment coverage is pretty useful. It guarantees that damaged parts are replaced with original parts from Mercedes-Benz.
  • Glass cover: This covers the cost of replacing glass panes in your vehicle.

Some insurance and vehicle warranty companies offer services such as breakdown assistance, rental car refunds or glass cover at no additional cost. Before deciding which additional coverage to add to your policy, take a look at your Manufacturer Warranty, Extended Warranty, and Life Insurance to see what benefits you already have.

How much does it cost to insure a Mercedes-Benz

On average, you can expect to pay about $ 2,349 a year for auto insurance. However, the amount you pay for coverage depends on your location, driving history, and creditworthiness, as well as the year, make and model of your Mercedes.

For example, a 30-year-old man with good credit and a clean driving report can expect to pay $ 2,313 a year for full coverage of a 2016 Mercedes GLC 300. It would pay $ 2,865 for a 2020 model. A younger driver would likely pay up to $ 7,008 a year for the same 2020 model.


Buying a Mercedes-Benz is an investment. There are many factors that go into buying the right amount of insurance for your new car, but it is important to think about how much you want to cover and what type of coverage will best suit your needs. We hope this guide is a helpful resource for you in choosing your insurance policy.

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