Mercedes-Benz S450 Insurance Cost Estimate

Mercedes-Benz S450 insurance rates 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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 16, 2021

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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 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.

Mercedes-Benz S450 Insurance Cost

The average Mercedes-Benz S450 auto insurance rates 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 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.

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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

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