Cheap Mercedes-Benz CLS Car Insurance in 2024 (Save Money With These 10 Companies)
State Farm, USAA, and AAA are the top choices for cheap Mercedes-Benz CLS car insurance, with premiums starting at just $115 per month. These insurers provide comprehensive coverage options, ensuring they are the optimal providers for securing cost-effective and dependable insurance for your Mercedes-Benz CLS.
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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
UPDATED: Jul 16, 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.
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: Jul 16, 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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Min. Coverage for Mercedes-Benz CLS
A.M. Best Rating
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2,934 reviews
State Farm, USAA, and AAA are the preferred options for affordable and cheap cheap Mercedes-Benz CLS car insurance, beginning at $115 per month for comprehensive coverage.
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $115 B Reliable Service State Farm
#2 $125 A++ Military Families USAA
#3 $130 A Roadside Assistance AAA
#4 $135 A Discount Options Liberty Mutual
#5 $137 A Flexible Terms American Family
#6 $140 A+ Customizable Plans Progressive
#7 $143 A++ Car Replacement Travelers
#8 $145 A+ Accident Forgiveness Nationwide
#9 $150 A Policy Options Farmers
#10 $153 A+ Comprehensive Coverage Allstate
In this article, we will explore the various aspects that affect the cost of Mercedes-Benz CLS car insurance and provide you with valuable tips to help you lower your premium. Enter your ZIP code now to begin comparing.
#1 – State Farm: Top Overall Pick
Pros
- Affordable Premiums for Mercedes-Benz CLS Owners: State Farm offers competitive rates starting at $115 per month, ideal for Mercedes-Benz CLS owners looking to save on insurance costs, as highlighted in the State Farm insurance review & ratings.
- Wide Range of Discounts: Provides numerous discount opportunities, such as safe driver and multi-policy discounts. These discounts help customers reduce their overall insurance expenses.
- Tailored Coverage Options: They provide comprehensive coverage that specifically caters to the needs of luxury car owners, including Mercedes-Benz CLS enthusiasts seeking extensive protection.
Cons
- Regional Price Variability: Premiums may vary based on location, potentially leading to higher costs for Mercedes-Benz CLS drivers in certain regions.
- Agent-Dependent Service: Service quality can vary depending on the local agent, impacting consistency in customer experience for Mercedes-Benz CLS owners.
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#2 – USAA: Best for Military Families
Pros
- Top-Tier Customer Service: USAA is renowned for exceptional service, reflected in its A++ A.M. Best rating, making it a preferred choice for Mercedes-Benz CLS owners who value high-quality customer support.
- Exclusive Discounts for Military Members: Mercedes-Benz CLS drivers who are military members or families can benefit from exclusive discounts, such as safe driving incentives and specialized coverage options.
- Financial Stability and Security: With a strong financial backing, USAA provides peace of mind to Mercedes-Benz CLS enthusiasts regarding claims settlement and coverage reliability, as highlighted in the USAA insurance review & ratings.
Cons
- Limited Membership Eligibility: Membership is restricted to military personnel and their families, which excludes other Mercedes-Benz CLS owners from accessing USAA’s benefits.
- Restricted Physical Presence: Limited physical branches may inconvenience Mercedes-Benz CLS drivers who prefer in-person service or support.
#3 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance Benefits: AAA offers robust roadside assistance included with insurance policies, beneficial for Mercedes-Benz CLS drivers who prioritize emergency support.
- Member Discounts: Mercedes-Benz CLS owners who are AAA members enjoy various discounts on insurance premiums, enhancing affordability and value, as highlighted in the AAA insurance review & ratings.
- Reputation for Reliability: AAA has a longstanding reputation for reliability and customer service, assuring Mercedes-Benz CLS enthusiasts of dependable coverage and support.
Cons
- Membership Fees: Membership in AAA requires annual fees, which may not be cost-effective for all Mercedes-Benz CLS owners seeking insurance benefits.
- Regional Variability in Coverage: Coverage options and benefits may vary by region, potentially limiting choices for Mercedes-Benz CLS drivers depending on location.
#4 – Liberty Mutual: Best for Discount Options
Pros
- Customizable Coverage Options: Liberty Mutual allows Mercedes-Benz CLS owners to tailor their policies with diverse coverage options, ensuring personalized protection.
- Discount Opportunities: Mercedes-Benz CLS drivers can take advantage of various discounts, such as for safe driving habits and policy bundling, enhancing affordability.
- Digital Tools and Resources: They provide online tools for managing policies and filing claims, convenient for Mercedes-Benz CLS enthusiasts seeking efficient service, as detailed in the Liberty Mutual Review & Ratings.
Cons
- Higher Premiums for Newer Vehicles: Premiums may be higher for Mercedes-Benz CLS models due to their luxury status and higher repair costs, affecting overall cost for owners.
- Mixed Customer Service Reviews: Some Mercedes-Benz CLS drivers report varied experiences with customer service quality, impacting satisfaction levels.
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#5 – American Family: Best for Flexible Terms
Pros
- Personalized Service: American Family is known for providing personalized service, catering specifically to Mercedes-Benz CLS owners’ unique needs and preferences, as mentioned in the American Family insurance review & ratings.
- Flexible Payment Options: They offer various payment plans that can accommodate different financial situations, making it easier for Mercedes-Benz CLS drivers to manage their insurance costs.
- Discount Programs: Mercedes-Benz CLS enthusiasts can benefit from multiple discount programs, including bundling discounts and safe driver incentives, helping to lower overall insurance expenses.
Cons
- Limited Availability: American Family’s coverage may not be available in all states, potentially limiting options for Mercedes-Benz CLS owners based on their location.
- Policy Complexity: Some Mercedes-Benz CLS drivers find American Family’s policies and coverage options complex, requiring detailed explanation and potentially leading to confusion.
#6 – Progressive: Best for Customizable Plans
Pros
- Name Your Price Tool: Progressive offers a unique tool that allows Mercedes-Benz CLS owners to customize their policies to fit specific budgetary needs, ensuring affordability.
- Wide Range of Discounts: They provide extensive discounts, such as for multi-policy bundling and safe driving, making it easier for Mercedes-Benz CLS drivers to save on insurance costs.
- Digital Tools and Mobile Apps: Progressive’s online and mobile platforms enable Mercedes-Benz CLS enthusiasts to manage policies, file claims, and get support conveniently from anywhere.
Cons
- Rate Increases After Claims: Some Mercedes-Benz CLS owners report experiencing premium increases after filing claims, which may impact overall cost-effectiveness, according to Progressive insurance review & ratings.
- Complex Claims Process: Despite digital tools, navigating Progressive’s claims process can be challenging for some Mercedes-Benz CLS drivers, potentially leading to frustration.
#7 – Travelers: Best for Car Replacement
Pros
- Car Replacement Coverage: Travelers offers Mercedes-Benz CLS owners comprehensive car replacement coverage, ensuring peace of mind in case of vehicle loss or damage.
- High Financial Strength: With an A++ A.M. Best rating, Travelers provides Mercedes-Benz CLS enthusiasts confidence in their financial stability and claims-paying ability.
- Customizable Policies: They offer customizable policies that allow Mercedes-Benz CLS drivers to tailor coverage to their specific needs and preferences.
Cons
- Higher Premiums: Premiums for Travelers insurance policies may be higher compared to some competitors, potentially impacting affordability for Mercedes-Benz CLS owners.
- Complex Policy Structures: Travelers’ policies can be complex, requiring thorough understanding by Mercedes-Benz CLS drivers to ensure adequate coverage and benefits, as mentioned in the Travelers insurance review & ratings.
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#8 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Nationwide offers Mercedes-Benz CLS owners accident forgiveness programs, helping to prevent premium increases after a claim, which is beneficial for maintaining affordability.
- Wide Range of Coverage Options: They provide extensive coverage options that cater to various needs, ensuring Mercedes-Benz CLS drivers can find suitable protection, as noted in the Nationwide insurance review & ratings.
- Customer Service: Nationwide is recognized for its strong customer service, offering support and assistance to Mercedes-Benz CLS enthusiasts throughout the insurance process.
Cons
- Premium Costs: Mercedes-Benz CLS owners may find Nationwide’s premiums higher compared to some competitors, impacting overall cost-effectiveness.
- Claims Processing Time: Some Mercedes-Benz CLS drivers report longer claims processing times with Nationwide, potentially leading to delays in resolution.
#9 – Farmers: Best for Policy Options
Pros
- Policy Options: Farmers offers a wide range of policy options that allow Mercedes-Benz CLS owners to customize coverage according to their specific needs and preferences.
- Discounts and Savings: They provide various discounts, including for safe driving and policy bundling, helping Mercedes-Benz CLS drivers save on insurance costs.
- Customer Support: Farmers is known for its strong customer support, ensuring Mercedes-Benz CLS enthusiasts receive assistance and guidance as needed.
Cons
- Higher Premiums for Luxury Vehicles: Premiums for Mercedes-Benz CLS models may be higher due to their luxury status and associated repair costs, impacting overall affordability.
- Limited Availability of Discounts: Some Mercedes-Benz CLS owners may find Farmers’ discount offerings limited compared to other insurers, potentially limiting savings opportunities, as highlighted in the Farmers insurance review & ratings.
#10 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Allstate provides Mercedes-Benz CLS owners with comprehensive coverage options that cater to various needs and preferences, ensuring adequate protection, according to Allstate insurance review & ratings.
- Financial Stability: With an A+ A.M. Best rating, Allstate offers Mercedes-Benz CLS enthusiasts confidence in their financial strength and ability to handle claims.
- Enhanced Coverage Features: They offer additional features such as roadside assistance and rental car reimbursement, enhancing the value for Mercedes-Benz CLS drivers.
Cons
- Higher Premiums: Mercedes-Benz CLS owners may experience higher premiums with Allstate compared to some competitors, potentially affecting overall cost-effectiveness.
- Claims Handling Reviews: Reviews on claims handling can vary, with some Mercedes-Benz CLS drivers reporting issues with the process, impacting satisfaction levels.
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Factors That Affect the Cost of Mercedes-Benz CLS Car Insurance
Insurance providers consider several factors when determining the premium for insuring a Mercedes-Benz CLS. The car’s market value and repair costs, especially for luxury vehicles like the CLS, lead to higher premiums. Newer models typically incur higher rates due to expensive replacement parts, while older models may offer lower premiums as their value depreciates.
Insurance Company Minimum Coverage Full Coverage
AAA $130 $205
Allstate $153 $243
American Family $137 $227
Farmers $150 $240
Liberty Mutual $135 $225
Nationwide $145 $235
Progressive $140 $230
State Farm $115 $220
Travelers $143 $233
USAA $125 $215
Your personal driving history is crucial; factors such as age, experience, and past incidents influence premiums. A clean record often results in lower premium costs. Location matters too—high-theft or accident-prone areas can raise rates, as can urban settings with dense traffic.
Understanding the Insurance Group Rating for Mercedes-Benz CLS
Comparing Insurance Quotes for Mercedes-Benz CLS
When shopping for Mercedes-Benz CLS car insurance, it’s essential to compare quotes from multiple insurance providers. Insurance rates can vary significantly between companies, and by comparing quotes, you can ensure that you are getting the best possible price for your coverage.
Online comparison tools make it easy to obtain quotes from different insurers, allowing you to make an informed decision based on both cost and coverage options.
When comparing insurance quotes, it’s crucial to consider the types of coverage included in each policy. While some policies may have lower premiums, they may also provide less coverage. It’s important to strike a balance between affordability and adequate coverage to ensure that you are adequately protected in the event of an accident or theft.
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Tips to Lower Your Mercedes-Benz CLS Car Insurance Premium
There are several strategies you can employ to lower your Mercedes-Benz CLS car insurance premium. First and foremost, maintaining a clean driving record is essential. By driving responsibly and avoiding accidents or traffic violations, you can demonstrate to insurance providers that you are a low-risk driver, resulting in lower premiums.
Ty Stewart
Licensed Insurance Agent
To lower your Mercedes-Benz CLS car insurance premium, consider maintaining a clean driving record as your first priority. Driving responsibly and avoiding accidents or traffic violations can demonstrate to insurance providers that you are a low-risk driver, potentially leading to reduced premiums.
Another effective way to lower your insurance premium is by increasing the security of your vehicle. Installing anti-theft devices, such as a GPS tracking system or alarm system, can significantly reduce the risk of theft and make your CLS less attractive to thieves. Insurance providers often offer discounts for these security measures, so it’s worth investing in their installation.
If you have multiple vehicles or policies, consider bundling your Mercedes-Benz CLS car insurance with other policies, such as homeowner’s insurance or life insurance, from the same provider. Bundling your policies can often lead to significant discounts and lower overall insurance costs.
Furthermore, opting for a higher deductible can help lower your insurance premium. A deductible is the amount you are responsible for paying out of pocket in the event of a claim. By choosing a higher deductible, you can reduce your premiums. However, it’s essential to ensure that you can comfortably afford the deductible amount in the event of an accident. Enter your ZIP code now to begin.
Frequently Asked Questions
What factors affect the cost of Mercedes-Benz CLS car insurance?
The cost of Mercedes-Benz CLS car insurance can vary based on several factors, including the driver’s age, location, driving record, coverage options, deductible amount, and the insurance provider’s rating.
Are Mercedes-Benz CLS cars expensive to insure?
Mercedes-Benz CLS cars generally have higher insurance rates compared to average vehicles due to their luxury status, higher repair costs, and advanced features.
However, the actual cost can vary depending on individual circumstances. Enter your ZIP code now.
Does the model year of a Mercedes-Benz CLS affect insurance rates?
Yes, the model year of a Mercedes-Benz CLS can impact insurance rates.
Generally, newer models with more advanced technology and higher market value tend to have higher insurance premiums compared to older models.
Understanding the types of car insurance coverage available can also influence how premiums are calculated for different model years.
What are some ways to potentially lower Mercedes-Benz CLS car insurance costs?
To lower Mercedes-Benz CLS car insurance costs, you can consider options such as increasing your deductible, bundling insurance policies, maintaining a good driving record, installing anti-theft devices, and taking advantage of available discounts offered by insurance providers.
Are there any specific insurance discounts available for Mercedes-Benz CLS owners?
Insurance providers may offer various discounts specifically for Mercedes-Benz CLS owners.
These can include discounts for safety features, anti-theft devices, low mileage, good driving records, and loyalty to the insurance company.
It is advisable to check with different insurance providers to explore available discounts. Enter your ZIP code now.
What are the starting monthly premiums offered by State Farm for Mercedes-Benz CLS car insurance?
How does USAA cater specifically to military families with their insurance offerings for the Mercedes-Benz CLS?
USAA caters specifically to military families with benefits like exclusive discounts and specialized coverage options, which are tailored to meet the unique needs of Mercedes-Benz CLS drivers in military service.
What unique benefits does AAA provide that make it suitable for Mercedes-Benz CLS owners, apart from insurance coverage?
AAA provides robust roadside assistance alongside insurance coverage, offering Mercedes-Benz CLS owners added peace of mind in emergency situations. Enter your ZIP code now.
What customizable options does Progressive offer for Mercedes-Benz CLS insurance policies?
How does Travelers ensure peace of mind for Mercedes-Benz CLS owners through their insurance coverage options?
Travelers ensures peace of mind for Mercedes-Benz CLS owners through comprehensive car replacement coverage and a strong financial backing, reflecting their commitment to reliability and protection.
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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm 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.
