Mercedes E300 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Nov 15, 2021

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Key Takeaways

  • A Mercedes E class insurance costs are comparably high due to its insurance loss ratio being substantially higher than average in the categories of collision and comprehensive coverage.
  • The Mercedez-Benz E300 is classified as a large luxury vehicle.
  • The Insurance Information Institute for Highway Safety gives the Mercedez-Benz E300 the highest safety rating of good in all categories.

Looking for the best car insurance for Mercedes-Benz? The average Mercedes-Benz E300 insurance rates are $134 per month or $1,612 annually. 

Many factors impact your ability to get cheap car insurance rates. For example, the 2011 Benz E300 price for insurance will be different than the 2018 E300 price. Different models, like the 2014 Mercedes E350 insurance costs, will vary even more.  

Before you buy Mercedes-Benz E300 car insurance, read our comprehensive guide to see how you can save on Mercedes E class insurance costs. 

Get the most affordable Mercedes-Benz E300 auto insurance quotes by entering your five-digit ZIP code into our FREE quote comparison tool.

Finding cheaper auto insurance through online providers can be fast and easy and at the same time you may find lower rates. The most important part is to get rates from all companies so you can compare the best prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies selling insurance. Finding a lower price on Mercedes E300 insurance is surprisingly easy. Consumers just need to take a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Insurance premiums on a Mercedes E300 can fluctuate considerably depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • The size of your community
  • The number of annual miles
  • Male rates may be higher
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new E300 models so the cost to replace them may result in lower rates. Conversely, newer vehicles have more advanced features such as traction control, pedestrian detection, autonomous braking, and adaptive headlights which may provide discounts that lower premiums.

Liability auto insurance - damages or injuries you inflict on things such as emergency aid, pain and suffering, and medical services. .

Collision coverages - an object or car. . , . .

Comprehensive coverage - that is not covered by collision coverage. . you can receive from a comprehensive claim , .

Uninsured Motorist or Underinsured Motorist insurance - This . , . .

Medical expense insurance - expenses doctor visits, EMT expenses, and X-ray expenses. . .

We’ve now answered the question of whether or not insurance is higher on a Mercedes. You understand why a 2011 Mercedes E350 insurance cost is very different from the 2011 E300 price for insurance, or even than the E300 Mercedes 2002 model.

Why? Because The Mercedes E300 price for insurance varies depending on the age of your model and the trim level you chose.  

Ready to secure the cheapest rates for your Mercedes-Benz E300 car insurance? Start your search to find the best car insurance for you Mercedes-Benz.

Enter your ZIP code into our FREE quote comparison tool to immediately compare Mercedes insurance costs across multiple Mercedes-Benz E300 car insurance companies.  

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What are the safety ratings for the Mercedes-Benz E300?

When calculating your rates, insurance companies will ask is the Mercedes E300 reliable?

Therefore, understanding the Mercedes-Benz E300 safety ratings can help you discover where to save on your Mercedes Benz E300 price for insurance, and what may cost you more.

Take a look at the safety ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some great savings on your car insurance due to these flawless safety ratings. 

In the table below, check out the Mercedes-Benz E300 crash test ratings as performed by the National Highway Traffic Safety Administration.

Mercedes-Benz E300 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
Mercedes-Benz E3005 stars5 stars5 stars5 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Mercedes-Benz E300 did very well in all categories of crash tests.

However, maintaining this car can be pricey. For example, why is a Mercedes oil change so expensive? This is because you must use synthetic oil, which costs more. 

Higher maintenance vehicles usually cost more to insure than economy cars. 

Mercedes-Benz E300 Compared Against other Vehicles in the Same Class

Officially, the Insurance Institute for Highway Safety classifies the Mercedez-Benz E300 as a large luxury vehicle.

Comparing the Mercedes-Benz E300 to similar vehicles can help you save money, especially if the Mercedes-Bens E300 has a better loss ratio than other large luxury vehicles. 

See some of the Mercedes-Benz E300 insurance loss probability details in the table below. This data helps you answer questions like: is a BMW or Mercedes cheaper to insure?

Mercedes-Benz E300 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage-24%
Personal Injury-18%
Medical Payment11%
Bodily Injury-16%

The lower the percentage, the better the insurance loss ratio. Unfortunately, the collision and comprehensive loss ratios for the Mercedes-Benz E300 are substantially worse than average. Luckily, the car did perform better in a few other categories.

Check out comparable car models below.

The Mercedes E class insurance costs are high because it’s insurance loss ratio is substantially worse than average in the categories of collision and comprehensive. They are 72 percent and 83 percent, respectively.

Fortunately, this vehicle’s property damage liability insurance loss is substantially better than average at -24 percent. You’ll see some savings as a result of this better than average insurance loss ratio.

You’re now an expert on Mercedes-Benz E300 insurance rates. Enter your five-digit ZIP code into our free quote tool to compare Mercedes-Benz insurance premiums right away.



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