Best Mercedes-Benz E300 Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

The top picks overall for the best Mercedes-Benz E300 auto insurance are Amica, Chubb, and Auto-Owners, offering excellent rates at $55/month. Amica stands out for its overall excellence, making it the best choice for comprehensive coverage and reliability.

Chubb provides premium services, perfect for those seeking top-tier customer care, while Auto-Owners is renowned for its financial stability.

Our Top 10 Company Picks: Best Mercedes-Benz E300 Auto Insurance

Discover the average Mercedes-Benz E300 insurance rates and how these top providers deliver affordable, reliable coverage tailored for your Mercedes-Benz E300.

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

#1 – Amica: Top Overall Pick

Pros

• Customer Satisfaction: Amica is highly rated for customer satisfaction, ensuring a positive experience for Mercedes-Benz E300 owners.
• Multi-Vehicle Discount: Amica offers a 25% discount for insuring multiple vehicles, including the Mercedes-Benz E300.
• Competitive Rates: Amica auto insurance review provides competitive rates starting at $70/month for minimum coverage on the Mercedes-Benz E300.

Cons

• Limited Availability: Amica’s services are not available in all states, which may limit accessibility for some Mercedes-Benz E300 owners.
• Premium Costs: Premiums might be higher for comprehensive coverage despite customer satisfaction ratings, including Mercedes-Benz E300 owners.

#2 – Chubb: Best for Premium Service

Pros

• Premium Service: Chubb is renowned for its premium service, offering tailored coverage for Mercedes-Benz E300 owners.
• Comprehensive Policies: Chubb auto insurance review provides extensive coverage options, including high liability limits for the Mercedes-Benz E300.
• Financial Strength: With an A++ rating, Chubb ensures financial stability and reliable claim payouts for Mercedes-Benz E300 insurance.

Cons

• Higher Premiums: Chubb’s premium services come at a higher cost, with minimum coverage rates starting at $85/month for the Mercedes-Benz E300.
• Limited Discounts: Fewer discounts are available compared to competitors, which might not benefit all Mercedes-Benz E300 drivers.

#3 – Auto-Owners: Best for Financial Stability

Pros

• Financial Stability: Auto-Owners auto insurance review has boasts an A++ rating, guaranteeing reliability and security for Mercedes-Benz E300 insurance claims.
• Affordable Rates: Competitive rates start at $65/month for minimum coverage on the Mercedes-Benz E300.
• Multi-Vehicle Discount: A 10% discount is available for insuring multiple vehicles, including the Mercedes-Benz E300.

Cons

• Limited Online Tools: Auto-Owners’ online tools and mobile app are less advanced compared to competitors of Mercedes-Benz E300.
• Regional Availability: Services are limited to certain regions, potentially restricting access for some Mercedes-Benz E300 owners.

#4 – State Farm: Best for Reliable Coverage

Pros

• Reliable Coverage: State Farm offers consistent and reliable coverage options for Mercedes-Benz E300 owners.
• Low Monthly Rates: State Farm auto insurance review provides competitive rates starting at $60/month for minimum coverage on the Mercedes-Benz E300.
• Bundling Policies: Significant discounts are available for bundling multiple insurance policies, enhancing savings for Mercedes-Benz E300 owners.

Cons

• Limited Multi-Policy Discount: The multi-policy discount is not as high compared to some competitors for the Mercedes-Benz E300.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels including Mercedes-Benz E300.

#5 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico offers some of the most affordable rates, starting at $55/month for minimum coverage on the Mercedes-Benz E300.
• Multi-Vehicle Discount: A 25% discount is available for insuring multiple vehicles, including the Mercedes-Benz E300.
• User-Friendly Tools: Geico auto insurance review provides excellent online tools and a mobile app for Mercedes-Benz E300, easy policy management.

Cons

• Customer Service: Geico’s customer service ratings are lower compared to some competitors, potentially impacting Mercedes-Benz E300 owners.
• Coverage Options: Limited coverage options might not meet all the needs of Mercedes-Benz E300 drivers.

#6 – Allstate: Best for Comprehensive Options

Pros

• Comprehensive Options: Allstate auto insurance review provides a wide range of comprehensive coverage options for Mercedes-Benz E300 owners.
• Competitive Rates: Rates start at $75/month for minimum coverage on the Mercedes-Benz E300.
• Multi-Vehicle Discount: Allstate offers a 25% discount for insuring multiple vehicles, including the Mercedes-Benz E300.

Cons

• Higher Premiums: Premiums for comprehensive coverage can be higher compared to other insurers for the Mercedes-Benz E300.
• Claims Process: Some customers report a slower claims process, which may affect Mercedes-Benz E300 owners.

#7 – Progressive: Best for Innovative Programs

Pros

• Innovative Programs: Progressive auto insurance review highlighted for its innovative insurance programs, offering unique options for Mercedes-Benz E300 owners.
• Competitive Rates: Rates start at $67/month for minimum coverage on the Mercedes-Benz E300.
• Snapshot Program: Progressive’s Snapshot program can help Mercedes-Benz E300 drivers save based on their driving habits.

Cons

• Limited Discounts: Progressive offers fewer traditional discounts compared to other insurers for the Mercedes-Benz E300.
• Customer Service: Mixed reviews on customer service may affect the experience for Mercedes-Benz E300 owners.

#8 – Liberty Mutual: Best for Flexible Policies

Pros

• Flexible Policies: Liberty Mutual auto insurance review provides customizable policies to meet the specific needs of Mercedes-Benz E300 owners.
• Competitive Rates: Rates start at $80/month for minimum coverage on the Mercedes-Benz E300.
• Multi-Vehicle Discount: A 25% discount is available for insuring multiple vehicles, including the Mercedes-Benz E300.

Cons

• Higher Premiums: Premiums can be higher for comprehensive coverage compared to some competitors for the Mercedes-Benz E300.
• Online Tools: Liberty Mutual’s online tools and mobile app are not as advanced as those of some competitors of Mercedes-Benz E300.

#9 – Farmers: Best for Personalized Service

Pros

• Personalized Service: Farmers is known for providing personalized service tailored to the needs of Mercedes-Benz E300 owners.
• Competitive Rates: Farmers auto insurance review has rates start at $73/month for minimum coverage on the Mercedes-Benz E300.
• Multi-Policy Discount: A 20% discount is available for bundling multiple policies, including Mercedes-Benz E300 insurance.

Cons

• Limited Discounts: Fewer discounts available compared to other insurers, potentially affecting savings for Mercedes-Benz E300 drivers.
• Claims Process: Some customers report issues with the claims process, which may impact the experience for Mercedes-Benz E300 owners.

#10 – Nationwide: Best for Extensive Discounts

Pros

• Extensive Discounts: Nationwide offers a variety of discounts, including a 20% discount for insuring multiple vehicles, such as the Mercedes-Benz E300.
• Competitive Rates: Rates start at $68/month for minimum coverage on the Mercedes-Benz E300.
• On Your Side Review: Nationwide auto insurance review provides a personalized insurance review to help Mercedes-Benz E300 owners optimize their coverage.

Cons

• Premium Costs: Premiums for comprehensive coverage can be higher compared to other insurers for the Mercedes-Benz E300.
• Online Experience: The online and mobile experience is less user-friendly compared to some competitors of Mercedes-Benz E300.

Mercedes-Benz E300 Insurance Cost

The cost of auto insurance for a Mercedes-Benz E300 varies significantly based on coverage level and insurance provider. Monthly rates for minimum coverage range from $55 with Geico to $85 with Chubb, while full coverage auto insurance rates span from $135 with Geico to $210 with Chubb.

Mercedes-Benz E300 Auto Insurance Monthly Rates by Coverage Level & Provider

When broken down by coverage type, the comprehensive and collision coverage costs also vary by model year. For instance, a 2018 Mercedes-Benz E300 has a monthly comprehensive cost of $33 and collision cost of $62, totaling $134 for full coverage.

Mercedes-Benz E300 Auto Insurance Monthly Rates by Coverage Type

In comparison, a 2010 model has a lower comprehensive cost of $23 and collision cost of $38, with a full coverage rate of $105. These variations illustrate how both the choice of insurance company and the vehicle’s model year can impact insurance expenses.

Expensiveness of Mercedes-Benz E300s to Insure

Mercedes-Benz E300 Auto Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

For comprehensive and collision coverage, the E300’s rates are $33 and $62 respectively, making it more expensive than the Lexus GS 300 but cheaper than the Audi A8. Learn more about collision vs. comprehensive auto insurance.

Minimum coverage for the E300 is $28, consistent with the Lexus GS 300 and lower than the Audi A8 and Jaguar XE. Overall, while not the most expensive, the E300’s insurance rates are on the higher end of the spectrum, though there are strategies to reduce these costs online.

Factors That Impacts the Cost of Mercedes-Benz E300 Insurance

You might have noticed that there is a multitude of factors that impact Mercedes-Benz E300 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 E300. Delve into our evaluation of “Factors That Affect Auto Insurance Rates.”

Age of the Vehicle

The age of the vehicle significantly impacts the average insurance rates for a Mercedes-Benz E300, with newer models typically incurring higher auto insurance premiums. This is due to their higher market value and repair costs. On average, monthly insurance rates for a Mercedes-Benz E300 are $134.

Mercedes-Benz E300 Auto Insurance Monthly Rates by Category

Discount rates can reduce this to $79, while opting for high deductibles lowers it to $116. Conversely, high-risk drivers and those with low deductibles face higher rates of $286 and $169, respectively. Teen drivers incur the highest rates at $574 per month, reflecting their increased risk on the road.

Driver Age

Driver age significantly impacts the cost of Mercedes-Benz E300 auto insurance, with younger drivers or auto insurance for teens facing higher premiums due to their perceived higher risk. For instance, a 16-year-old driver can expect to pay around $491 monthly, while the rate decreases to $430 at age 18 and $370 at age 20.

Mercedes-Benz E300 Auto Insurance Monthly Rates by Age

As drivers gain more experience and statistically become safer, rates continue to drop, with 30-year-olds paying about $182 per month. This trend persists with rates falling to $150 for 40-year-olds, $140 for 45-year-olds, $130 for 50-year-olds, and $120 for those aged 60.

Thus, age is a critical factor in determining auto insurance premiums, with younger drivers paying substantially more compared to older, more experienced drivers.

Driver Location

Where you live can significantly influence the insurance rates for a Mercedes-Benz E300. Urban areas with higher traffic density and accident rates tend to have higher premiums. For instance, New York, NY, with its high traffic congestion, has the highest rate at $200 per month, while Columbus, OH, has a lower rate of $135, likely due to less congestion and lower accident rates.

Mercedes-Benz E300 Auto Insurance Monthly Rates by City

Similarly, cities like Los Angeles, CA ($190), and Houston, TX ($180), also have high rates compared to cities like Seattle, WA ($140), and Phoenix, AZ ($150). These variations highlight how location-based risk factors, including traffic conditions, crime rates, and local regulations, can affect insurance costs.

Your Driving Record

Your driving record significantly impacts your Mercedes-Benz E300 auto insurance rates, especially for younger drivers. Teens and drivers in their 20s experience the highest increases in insurance costs if they have violations. For instance, a 16-year-old with a clean record pays $491 per month, but this rate jumps to $737 with a DUI.

Mercedes-Benz E300 Auto Insurance Monthly Rates by Age & Driving Record

Similarly, an 18-year-old with one accident sees their rate rise from $430 to $559. As drivers age, the impact of violations on their insurance rates decreases, with a 60-year-old facing an increase from $120 to $180 for a DUI. Maintaining a clean driving record is crucial for minimizing insurance costs across all age groups.

Mercedes-Benz E300 Safety Ratings

Mercedes-Benz E300 Safety Ratings

Mercedes-Benz E300 Crash Test Ratings

The crash test ratings for the Mercedes-Benz E300 significantly influence the cost of auto insurance for this model. The consistent ratings from 2015 to 2024 indicate a high level of safety, with an overall rating of 5 stars, a side impact rating of 5 stars, and a rollover rating of 4 stars.

Mercedes-Benz E300 Crash Test Ratings by Model Year

However, the frontal crash rating remains at 4 stars across all model years. These strong safety ratings suggest that the E300 is a reliable and secure vehicle, which can result in more favorable insurance premiums as insurers often lower rates for vehicles with excellent safety performance. Check out our guide “Do you need medical payment coverage on auto insurance?”

Ways to Save on Mercedes-Benz E300 Insurance

Opting for automatic payments or Electronic Funds Transfer (EFT) can often earn you a small discount from insurers. While it’s crucial not to skimp on liability coverage to ensure adequate protection, reducing coverage on an older E300 can lower costs since its value has depreciated.

These actions can collectively help in finding more affordable insurance rates for your vehicle. Browse through our guide “Types of Auto Insurance.”

Top Mercedes-Benz E300 Insurance Companies

The top auto insurance companies for Mercedes-Benz E300 insurance rates vary, with State Farm leading the market with a 9.3% share and $65.6 million in premiums written. Following State Farm are Geico, Progressive, Liberty Mutual, and Allstate, each holding significant market shares and offering competitive rates.

Mercedes-Benz E300 Auto Insurance Providers by Market Share

These companies, along with others like Travelers, USAA, Chubb, Farmers, and Nationwide, provide tailored coverage options for the Mercedes-Benz E300.

Many of these insurers offer discounts for security systems and other safety features inherent to the E300, helping to reduce overall insurance costs while maintaining comprehensive protection. Read thorough our guide “How to Get a Multi-Vehicle Auto Insurance Discount.”

Compare Free Mercedes-Benz E300 Insurance Quotes Online

Comparing free Mercedes-Benz E300 insurance quotes online is an efficient way to find the best rates and coverage options for your vehicle. By using online tools, you can quickly access quotes from top auto insurance companies, allowing you to compare prices and policies side by side. Check out our guide “Where to Compare Auto Insurance Rates.“

This process not only saves time but also ensures you get the most competitive rates tailored to your specific needs and driving profile. Additionally, online comparisons often provide insights into discounts and special offers that may not be readily available through traditional methods, helping you secure comprehensive coverage at an affordable price.

Case Studies: Best Mercedes-Benz E300 Auto Insurance

To illustrate how the best Mercedes-Benz E300 auto insurance providers meet diverse customer needs, we present three case studies. Each highlights a unique scenario demonstrating the advantages and savings .

• Case Study #1 – Comprehensive Coverage and Reliability: John, a 45-year-old professional, chose Amica for his Mercedes-Benz E300 due to its reputation for comprehensive coverage. With an excellent driving record and a $55/month rate, John enjoys peace of mind knowing he’s covered by the best provider.
• Case Study #2 – Premium Services for High-Value Customers: Sara, a 52-year-old executive, needed premium service and opted for Chubb. Despite a busy schedule, Chubb’s personalized service and $55/month rate for her Mercedes-Benz E300 offered her a seamless experience. Chubb’s high-value coverage options cater to Sara’s need for top-tier customer care and extensive insurance features.
• Case Study #3 – Financial Stability and Competitive Rates: Mark, a 30-year-old entrepreneur, prioritized financial stability and affordability for his Mercedes-Benz E300 insurance. Auto-Owners provided him with a $55/month rate, backed by strong financial ratings. The company’s reliable service and comprehensive policy options gave Mark the confidence that his investment was secure.

These case studies demonstrate how Amica, Chubb, and Auto-Owners offer tailored solutions for different customer needs, making them the top choices for the best Mercedes-Benz E300 auto insurance (Read more: How to Compare Auto Insurance Quotes).

Whether you seek comprehensive coverage, premium services, or financial stability, these providers deliver exceptional value and protection for your luxury vehicle. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.