Cheap Mercedes-Benz CLS-Class Car Insurance in 2024 (Save Money With These 10 Companies)
For those seeking cheap Mercedes-Benz CLS-Class car insurance, the top picks are Erie, USAA, and Travelers. With Erie starting at a minimum monthly rate of $70, these companies stand out for their competitive pricing and comprehensive coverage options tailored to Mercedes-Benz CLS-Class owners.
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Oct 14, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Based on the comprehensive analysis of cheap Mercedes-Benz CLS-Class car insurance, our top picks are Erie, USAA, and Travelers. These insurers have been highlighted for their exceptional value and tailored coverage options that cater specifically to Mercedes-Benz CLS-Class owners.
By comparing quotes from these leading providers, drivers can secure affordable premiums without compromising on essential protection.
Our Top 10 Company Picks: Cheap Mercedes-Benz CLS-Class Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $70 A+ Customer Service Erie
#2 $72 A++ Military Discounts USAA
#3 $75 A++ Coverage Options Travelers
#4 $76 B Reliable Coverage State Farm
#5 $78 A+ Snapshot Program Progressive
#6 $80 A+ Vanishing Deductible Nationwide
#7 $85 A Customized Policies Farmers
#8 $88 A++ Low Rates Geico
#9 $90 A+ Safe Driver Allstate
#10 $95 A Policy Discounts Liberty Mutual
Discover how these companies excel in delivering peace of mind through competitive rates and reliable customer service in the dynamic landscape of luxury car insurance. Learn more in our guide titled “The Most and Least Car-Dependent States.”
By entering your ZIP code above, you can get instant car insurance quotes from top providers.
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#1 – Erie: Top Overall Pick
Pros
- Customer Service Excellence: Erie is highly rated for its customer service, providing responsive support specifically tailored to Mercedes-Benz CLS owners.
- Competitive Rates: Starting at $70 per month, Erie offers affordable premiums, making it a cost-effective choice for luxury vehicle owners. Check out insurance savings in our complete guide titled “Erie Insurance Review & Ratings.”
- A+ A.M. Best Rating: With an A+ rating from A.M. Best, Erie demonstrates strong financial stability and reliability.
Cons
- Limited Availability: Erie’s coverage may be limited to specific regions, potentially restricting availability for some Mercedes-Benz CLS owners.
- Discount Variability: While Erie offers competitive rates, specific discounts for Mercedes-Benz CLS drivers may not be as extensive compared to larger insurers.
#2 – USAA: Best for Military Discounts
Pros
- Exclusive Military Discounts: USAA provides specialized discounts for military personnel and their families, including Mercedes-Benz CLS owners.
- Top-Rated Customer Satisfaction: With an A++ rating from A.M. Best, USAA offers strong financial backing and exceptional customer service. Discover more about offerings in our article called “USAA Insurance Review & Ratings.”
- Tailored Coverage: USAA’s policies are tailored to meet the unique needs of military families, including coverage options for luxury vehicles like the Mercedes-Benz CLS.
Cons
- Membership Requirements: USAA membership is limited to military members and their families, potentially excluding non-military individuals.
- Limited Branch Availability: Physical branch locations may not be as widespread, which could impact accessibility for in-person customer service.
#3 – Travelers: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Travelers offers extensive coverage options that can be customized to suit the needs of Mercedes-Benz CLS owners.
- Competitive Rates: Starting at $75 per month, Travelers provides competitive premiums while offering robust coverage. Discover more about offerings in our article titled “Travelers Insurance Review & Ratings.”
- A++ A.M. Best Rating: With an A++ rating, Travelers demonstrates exceptional financial strength and stability.
Cons
- Complex Policies: Travelers’ wide range of coverage options may be overwhelming for some customers, requiring careful review to select the most suitable policy.
- Claim Process: While generally efficient, some customers may find Travelers’ claims process more involved compared to other insurers.
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#4 – State Farm: Best for Reliable Coverage
Pros
- Established Reputation: State Farm is known for its reliable coverage and customer service, offering peace of mind to Mercedes-Benz CLS owners. See more details on our article called “State Farm Insurance Review & Ratings.”
- Multiple Policy Discounts: State Farm provides significant discounts for bundling multiple insurance policies, beneficial for those seeking comprehensive coverage.
- Competitive Premiums: With premiums starting at $76 per month, State Farm offers competitive rates for luxury vehicle owners.
Cons
- Rate Variability: Premiums at State Farm may vary based on location and driving history, potentially impacting overall affordability for some customers.
- Coverage Limitations: Specific coverage options tailored explicitly to luxury vehicles like the Mercedes-Benz CLS may be limited compared to specialty insurers.
#5 – Progressive: Best for Snapshot Program
Pros
- Usage-Based Insurance: Progressive’s Snapshot program offers potential discounts based on driving habits, ideal for Mercedes-Benz CLS owners looking to save on premiums.
- Broad Coverage Options: Progressive provides a wide array of coverage options that can be customized to fit individual needs. See more details on our guide “Progressive Insurance Review & Ratings.”
- A+ A.M. Best Rating: With an A+ rating, Progressive assures strong financial stability and reliability.
Cons
- Rate Adjustments: Premiums under the Snapshot program can fluctuate based on driving behavior, potentially resulting in higher costs for certain drivers.
- Customer Support: While generally good, some customers may find Progressive’s customer support response times slower during peak periods.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible program, which reduces deductibles for safe driving, a beneficial feature for Mercedes-Benz CLS owners.
- Strong Financial Stability: Nationwide holds an A+ rating from A.M. Best, indicating strong financial backing and reliability. Learn more in our guide titled “Nationwide Insurance Review & Ratings.”
- Customizable Policies: Nationwide provides customizable policies that can be tailored to meet the unique needs of luxury vehicle owners.
Cons
- Premium Costs: Despite the vanishing deductible feature, premiums at Nationwide may be higher compared to some competitors, affecting overall affordability.
- Coverage Limitations: Certain specialized coverage options specifically for luxury vehicles like the Mercedes-Benz CLS may be limited.
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#7 – Farmers: Best for Customized Policies
Pros
- Tailored Coverage Options: Farmers Insurance offers customized policies that cater to the specific needs of Mercedes-Benz CLS owners, ensuring comprehensive protection.
- Competitive Rates: Starting at $85 per month, Farmers provides competitive premiums while offering extensive coverage options. Discover more about offerings in our article called “Farmers Insurance Review & Ratings.”
- A A.M. Best Rating: Farmers maintains a solid A rating from A.M. Best, indicating financial stability and reliability.
Cons
- Claim Process: Some customers may find Farmers’ claims process slightly more cumbersome compared to other insurers, potentially affecting customer satisfaction.
- Discount Availability: While Farmers offers various discounts, specific discounts for luxury vehicle owners may not be as prominent.
#8 – Geico: Best for Low Rates
Pros
- Affordable Premiums: Geico is known for its low rates, starting at $88 per month, making it a cost-effective choice for Mercedes-Benz CLS owners seeking budget-friendly coverage.
- A++ A.M. Best Rating: With an A++ rating, Geico demonstrates exceptional financial strength and stability.
- User-Friendly Tools: Geico provides user-friendly online tools and resources for managing policies and claims efficiently. Unlock details in our “Do Geico employees get car insurance discounts.”
Cons
- Customer Service: Some customers may experience challenges with Geico’s customer service responsiveness during peak periods.
- Coverage Options: Geico’s coverage options for luxury vehicles like the Mercedes-Benz CLS may be more limited compared to specialized insurers.
#9 – Allstate: Best for Safe Driver
Pros
- Safe Driving Discounts: Allstate offers substantial discounts for safe drivers, including features like Drivewise, beneficial for Mercedes-Benz CLS owners focused on maintaining a clean driving record.
- A+ A.M. Best Rating: Allstate maintains an A+ rating, demonstrating strong financial stability and reliability.
- Comprehensive Coverage: Allstate provides comprehensive coverage options that can be tailored to meet the specific needs of luxury vehicle owners. Delve into our evaluation of “Allstate Insurance Review & Ratings.”
Cons
- Premium Costs: Despite discounts, premiums at Allstate may be higher compared to some competitors, impacting overall affordability for certain coverage levels.
- Claim Satisfaction: Customer feedback on Allstate’s claims process may vary, with some customers noting potential delays or complexities.
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#10 – Liberty Mutual: Best for Policy Discounts
Pros
- Policy Discounts: Liberty Mutual offers a variety of policy discounts that can benefit Mercedes-Benz CLS owners, including multi-policy and vehicle safety feature discounts.
- Competitive Premiums: Starting at $95 per month, Liberty Mutual provides competitive rates while offering comprehensive coverage options. Discover more about offerings in our article titled “Liberty Mutual Review & Ratings.”
- A A.M. Best Rating: Liberty Mutual holds an A rating from A.M. Best, indicating strong financial stability and reliability.
Cons
- Premium Adjustments: Premiums at Liberty Mutual may vary based on factors such as location and driving history, potentially impacting overall affordability.
- Claim Handling: Some customers may find Liberty Mutual’s claims handling process less streamlined compared to other insurers, affecting customer satisfaction.
Mercedes-Benz CLS-Class: Monthly Insurance Rates by Coverage Level
When insuring a Mercedes-Benz CLS-Class, understanding the cost implications at different coverage levels is crucial. Below is a comparative overview of monthly insurance rates for both minimum and full coverage options offered by leading insurance providers.
Mercedes-Benz CLS-Class Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $90 $180
Erie $70 $140
Farmers $85 $170
Geico $88 $175
Liberty Mutual $95 $190
Nationwide $80 $160
Progressive $78 $155
State Farm $76 $152
Travelers $75 $150
USAA $72 $145
Across various insurance providers, monthly rates for insuring a Mercedes-Benz CLS-Class vary significantly based on coverage levels. For minimum coverage, rates range from $70 with Erie to $95 with Liberty Mutual. Full coverage rates, which include comprehensive and collision coverage in addition to liability, show a similar range from $140 with Erie to $190 with Liberty Mutual.
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Providers like Progressive, State Farm, and Travelers offer competitive rates with full coverage ranging from $152 to $150 per month, respectively. USAA, known for its specialized services for military personnel and their families, offers rates starting at $72 for minimum coverage and $145 for full coverage.
These rates reflect the diverse options available to Mercedes-Benz CLS-Class owners, allowing them to choose coverage that suits their budget and protection needs. To learn more, explore our comprehensive resource on “How much insurance coverage do I need?”
Factors That Affect Mercedes-Benz CLS-Class Car Insurance Rates
When it comes to determining the cost of car insurance for a Mercedes-Benz CLS-Class, insurance companies take into account several key factors. These factors include:
- Location: The location in which you live also affects the cost of car insurance. Insurance companies take into account factors such as crime rates, population density, and the likelihood of accidents occurring in your area. If you live in an urban area with high rates of theft or accidents, you can expect higher insurance rates.
- Age and Gender: Younger and less experienced drivers typically face higher insurance rates due to their higher risk of accidents. Additionally, statistics show that males tend to be involved in more accidents than females, which can also impact insurance rates.
- Credit Score: Believe it or not, your credit score can affect your car insurance rates. Insurance companies use credit scores to assess your level of financial responsibility and determine how likely you are to make insurance claims. A lower credit score may result in higher insurance rates.
- Annual Mileage: The number of miles you drive each year can also impact your car insurance rates. Insurance companies consider higher mileage to increase the chances of accidents and may charge higher premiums accordingly.
- Occupation: Your occupation can also affect your car insurance rates. Certain professions, such as doctors or lawyers, may be considered higher risk due to the potential for distractions or high-stress situations while driving. Insurance companies may charge higher premiums for individuals in these occupations.
These are just some of the factors that insurance companies take into account when determining the cost of car insurance for a Mercedes-Benz CLS-Class. It is essential to be aware of these factors as they can significantly affect the price you pay for coverage. Unlock details in our article called “Best Safe Driver Car Insurance Discounts.”
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Understanding the Insurance Requirements for a Mercedes-Benz CLS-Class
Before delving into the specifics of the cost of car insurance for a Mercedes-Benz CLS-Class, it is important to understand the insurance requirements for owning and operating this vehicle. In most states, car insurance is mandatory, and minimum coverage limits are set by law.
However, the requirements may vary, so it is essential to check with your state’s Department of Motor Vehicles or consult with an insurance agent to ensure compliance with the law.
Typically, car insurance for a Mercedes-Benz CLS-Class will need to include liability coverage, which provides financial protection in case you are at fault in an accident and cause damage to others’ property or injure someone.
Minimum liability coverage typically includes two components: bodily injury liability, which covers medical expenses and legal costs if you injure someone in an accident, and property damage liability, which covers damage caused to someone’s property.
Additionally, depending on your needs and preferences, you may also consider adding comprehensive and collision coverage to your car insurance policy. Comprehensive coverage protects your vehicle against theft, vandalism, and damage caused by incidents other than collisions, such as natural disasters or falling objects. Discover insights in our article called “Best Anti Theft System Car Insurance Discounts.”
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Collision coverage, as the name suggests, covers the cost of repairs or replacement if your vehicle is damaged in a collision. While liability coverage is typically required, comprehensive and collision coverage may be optional. However, considering the value of a Mercedes-Benz CLS-Class, it is advisable to seriously consider adding these coverages to protect your investment.
It is also worth noting that the cost of car insurance for a Mercedes-Benz CLS-Class can vary based on several factors. These factors may include your driving record, age, location, and the level of coverage you choose. Additionally, insurance companies may offer discounts for safety features installed in the vehicle, such as anti-theft devices or advanced driver assistance systems.
Comparing Car Insurance Quotes for the Mercedes-Benz CLS-Class
Now that you understand the factors that influence car insurance rates for a Mercedes-Benz CLS-Class and the coverage requirements, it’s time to explore the process of comparing car insurance quotes.
When it comes to finding the best insurance rates for your Mercedes-Benz CLS-Class, it is crucial to shop around and obtain quotes from several insurance companies. Each insurer has its own unique formula for calculating rates, and prices can vary significantly between providers.
Start by gathering quotes from various insurance companies. You can do this by reaching out to individual companies directly, using online insurance quote comparison tools, or consulting with an insurance broker. Provide accurate and detailed information about yourself, your vehicle, and your insurance needs to ensure the quotes are as accurate as possible.
When comparing the quotes, it is important to consider factors beyond just the price. Look at the coverage limits, deductibles, and any additional features or benefits included in the policy. Pay attention to the fine print and any exclusions that may affect your coverage.
Additionally, consider the reputation and financial stability of the insurance company. You want to choose an insurer that is known for its excellent customer service, hassle-free claims process, and reliability in paying out claims.
Learn more by reading our guide titled “Roadside Assistance Coverage: A Complete Guide.”
Another important factor to consider when comparing car insurance quotes is the level of customer support provided by the insurance company. Look for insurers that offer 24/7 customer service and have a reputation for being responsive and helpful. In the event of an accident or claim, you want to be able to easily reach out to your insurance provider for assistance and guidance.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
What factors affect the cost of Mercedes-Benz CLS-Class car insurance?
The cost of Mercedes-Benz CLS-Class car insurance can be influenced by various factors such as the driver’s age, location, driving history, credit score, coverage options, and the model year of the vehicle.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Is the Mercedes-Benz CLS-Class considered an expensive car to insure?
Generally, the Mercedes-Benz CLS-Class is considered a luxury vehicle, which can result in higher insurance premiums compared to more affordable car models.
Are there any specific safety features of the Mercedes-Benz CLS-Class that can reduce insurance costs?
Yes, the Mercedes-Benz CLS-Class is equipped with advanced safety features such as collision avoidance systems, adaptive cruise control, lane departure warning, and blind-spot monitoring. These features can potentially lower insurance costs due to their ability to prevent accidents.
Do insurance companies offer any discounts for Mercedes-Benz CLS-Class owners?
Insurance companies often provide various discounts that Mercedes-Benz CLS-Class owners may be eligible for. These can include discounts for bundling car insurance with other policies, having a good driving record, completing a defensive driving course, or installing anti-theft devices.
Are there any specific insurance considerations for leasing a Mercedes-Benz CLS-Class?
When leasing a Mercedes-Benz CLS-Class, it is important to have comprehensive insurance coverage to protect the vehicle against damage or theft. Additionally, the leasing company may require specific liability limits and may offer gap insurance to cover the difference between the car’s value and the amount owed on the lease in case of a total loss.
To find out more, explore our guide titled “Best Car Insurance Discounts to Ask.”
Is insurance high on a Mercedes-Benz?
On average, Mercedes drivers might spend about $139 per month on insurance. This is relatively high compared to other vehicles, but costs can vary significantly based on the specific model.
Which Mercedes class is the cheapest?
Mercedes-Benz A-Class is the cheapest class.
Are Mercedes safer than Toyota?
Mercedes-Benz expertly combines cutting-edge technology with luxury. Known for its premium materials and powerful engines, it doesn’t match the reliability of more budget-friendly brands like Toyota or Honda. However, Mercedes vehicles boast impressive safety ratings from NHTSA and IIHS.
Are Mercedes expensive to maintain?
According to RepairPal.com, maintaining and repairing a Mercedes-Benz vehicle is relatively costly compared to other brands, with drivers spending an average of $76 per month.
To learn more, explore our comprehensive resource on “How do I add or remove drivers from my Nationwide car insurance policy?”
Is Mercedes luxury or premium?
Mercedes is a luxury car.
What is CLS class in Mercedes?
The CLS range is situated between the E-Class and S-Class in the Mercedes lineup, and its models are generally less practical than the E-Class on which they are based. It mainly rivals other fastback sedans such as the BMW 8 Series Gran Coupe, Porsche Panamera, and Audi A7.
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How much is maintenance on a Mercedes CLS?
Maintenance for a 2021 Mercedes CLS-Class Sedan, specifically the CLS 450 4dr model.
What is the most expensive Mercedes to insure?
The G 63 AMG ranks as one of the priciest Mercedes models and is among the top three most costly to insure. For a 30-year-old, the 2021 model averages an annual insurance rate of $5,190, making it more affordable than only the G550 4MATIC and AMG GT.
Learn more by reading our guide titled “How can I find car insurance policies that include coverage for custom or aftermarket parts and accessories?”
Do Mercedes last long?
According to many experts, these vehicles can run between 150,000 and 200,000 miles on average with regular maintenance. In fact, with proper care, your Mercedes-Benz might even exceed this mileage.
Is Mercedes good for long term?
If you drive your car approximately 15,000 miles annually, which is around the national average, your Mercedes-Benz can typically remain operational for approximately 10 to 17 years.
Are Mercedes good on gas?
The fuel efficiency of Mercedes-Benz vehicles can differ based on their specific models and production years. For instance, the 2022 Mercedes-Benz A-Class Sedan achieves approximately 25 mpg in urban settings and 35 mpg on highways, whereas the 2022 Mercedes-Benz CLA Coupe achieves a highway mileage of up to 36 mpg.
Why are Mercedes so expensive?
Technology advancements lead to innovative features in every new model, yet they necessitate extensive research and development, incurring substantial costs. Ultimately, these expenditures are reflected in the high-quality features of the cars, making the investment worthwhile for consumers.
Access comprehensive insights into our guide titled “Insurance Quotes Online.”
Is CLS a good car to buy?
Yes, especially for those who value elegance. Despite its higher cost compared to the E-Class, the CLS provides a unique aesthetic and luxurious interior, earning a TCC Rating of 6.8 out of 10. (Learn more about our car ratings.)
Is CLS better than C-class?
The 2022 Mercedes-Benz C-Class 300 Sedan is priced lower and achieves superior fuel efficiency. Conversely, the 2022 Mercedes-Benz CLS 450 4MATIC Coupe features all-wheel drive, boasts higher performance ratings, and includes a larger fuel tank. Both cars accommodate five passengers and utilize the same type of fuel.
What does CLS-Class stand for Mercedes?
CLS in Mercedes stands for Coupe Light Sport.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
