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2012 Mercedes-Benz C-Class Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 30, 2018

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Average insurance rates for a 2012 Mercedes-Benz C300 are $1,334 a year with full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $446, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,882 or more. Teenage drivers receive the highest rates at $5,074 a year or more.

Annual premium for full coverage: $1,334

Rate estimates for 2012 Mercedes-Benz C300 Insurance

Comprehensive $270
Collision $446
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Mercedes-Benz C300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $510 for the bare minimum liability coverage to a high of $2,882 for a high risk driver.

Liability Only $510
Full Coverage $1,334
High Risk $2,882

View Chart as Image

2012 Mercedes-Benz C300 insurance rates compared
Column chart showing 2012 Mercedes-Benz C300 insurance prices range from $775 to $5,074 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Mercedes-Benz C300 Insurance

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Mercedes-Benz C-Class insurance

Want the cheapest car insurance rates for your Mercedes-Benz C-Class? Finding lower rates for car insurance can seem to be nearly impossible for people who are new to comparison shopping online. Consumers have so many companies to choose from that it can easily become more work than you anticipated to locate the lowest price.

It’s a great practice to do rate comparisons periodically because rates go up and down regularly. If you had the lowest price for C-Class insurance last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. But drivers can benefit by having an understanding of the way companies sell insurance online because it can help you find the best coverage.

Discounts can save BIG

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be specifically requested before they will apply.

  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Paperwork-free – Certain companies will give a small break just for signing your application over the internet.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

Consumers should know that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance policy, insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask each company how you can save money. Savings might not be offered in every state.

Auto Insurance Comparisons

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The quickest method to compare 2012 Mercedes-Benz C-Class insurance prices consists of shopping online. This can be accomplished in a couple of different ways.

The single most time-saving way to get quotes would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate forms for each company. Taking the time to complete one form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.

A less efficient way to get quotes online requires a visit to the website of each company to complete their respective quote request forms. For instance, let’s assume you want rates from State Farm, 21st Century and Farmers. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The hardest way to compare rates is to drive around to different agent offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. Drivers can price shop online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make darn sure you compare identical information on every quote. If you use differing limits you can’t possibly make a fair comparison for your Mercedes-Benz C-Class. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that more quotes helps you find the best rates.

Factors that can influence Mercedes-Benz C-Class insurance rates

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” that factor into your rates.

  • Proper usage rating affects rates – The higher the mileage driven in a year the higher your rate. Most companies rate vehicles based on their usage. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle. If your policy improperly rates your C-Class can cost quite a bit.
  • Liability coverage is peace of mind – The liability section of your policy will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Rates may be higher depending on your occupation – Jobs such as judges, business owners and dentists have the highest average rates in part from high stress and long work hours. Other jobs such as actors, historians and retirees get better rates for C-Class insurance.
  • Teen drivers pay high rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers tend to be more careless when driving therefore car insurance rates are much higher.

Will just any policy work for me?

When it comes to buying adequate coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • What are the best liability limits?
  • How high should deductibles be on a 2012 Mercedes-Benz C-Class?
  • Why am I required to buy liability insurance?
  • Is my camper covered by my car insurance policy?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2012 Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

This can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, structural damage, loss of income, emergency aid and medical services. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Coverage for collisions

This coverage covers damage to your C-Class resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, crashing into a ditch, rolling your car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism, hitting a deer and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

Consumers change insurance companies for a number of reasons such as policy non-renewal, unfair underwriting practices, delays in paying claims or even being labeled a high risk driver. Whatever your reason, switching insurance companies is actually quite simple.

When shopping online for insurance, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.

Low-cost 2012 Mercedes-Benz C-Class insurance is possible from both online companies in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Additional information

Rates by U.S. City

2012 Mercedes-Benz C300 Insurance Rates by City
City Premium
New York City, NY $2,109
Los Angeles, CA $2,277
Philadelphia, PA $1,778
Jacksonville, FL $1,933
Phoenix, AZ $1,551
Chicago, IL $1,786
Houston, TX $2,088
Seattle, WA $1,300
Columbus, OH $1,116
Indianapolis, IN $1,132

Rates by Driver Age

2012 Mercedes-Benz C300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,074
20 $3,064
30 $1,380
40 $1,334
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

2012 Mercedes-Benz C300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,502
$500 $1,334
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Mercedes-Benz C300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,426
100/300 $1,541
250/500 $1,840
100 CSL $1,472
300 CSL $1,725
500 CSL $1,909

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Mercedes-Benz C300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,216
20 $4,882
30 $2,936
40 $2,882
50 $2,752
60 $2,726

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $94
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $64
Online Quote $94
Total Discounts $559
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Mercedes-Benz C300 Insurance Rates by State
State Premium
Alabama $1,206
Alaska $1,022
Arizona $1,108
Arkansas $1,334
California $1,518
Colorado $1,276
Connecticut $1,370
Delaware $1,508
Florida $1,666
Georgia $1,230
Hawaii $958
Idaho $902
Illinois $992
Indiana $1,002
Iowa $900
Kansas $1,268
Kentucky $1,820
Louisiana $1,972
Maine $822
Maryland $1,100
Massachusetts $1,068
Michigan $2,316
Minnesota $1,118
Mississippi $1,596
Missouri $1,182
Montana $1,432
Nebraska $1,052
Nevada $1,598
New Hampshire $962
New Jersey $1,490
New Mexico $1,180
New York $1,406
North Carolina $766
North Dakota $1,090
Ohio $922
Oklahoma $1,370
Oregon $1,220
Pennsylvania $1,270
Rhode Island $1,778
South Carolina $1,208
South Dakota $1,126
Tennessee $1,168
Texas $1,606
Utah $988
Vermont $912
Virginia $800
Washington $1,032
West Virginia $1,220
Wisconsin $922
Wyoming $1,188

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