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: Jun 6, 2023

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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 by comparing rates online is easy, in addition you will probably save money. The key is getting rates from as many companies as possible so you can get the lowest prices.

Consumers who are new to the process of comparing rates may think shopping for cut-rate Mercedes E300 insurance is going to be difficult. To find the best auto insurance prices, there are several ways to compare quotes from auto insurance companies in your area. The easiest way to find competitive Mercedes E300 insurance cost is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine

Insurance rates for your Mercedes E300 can be significantly different based upon several criteria. A few of these criteria are:

  • The performance level of your E300
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your Mercedes E300 is the year of manufacture. Models that are a few years old have a much lower replacement value so the payout to repair will push premiums down. But newer models may have options including automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive that may help give discounted rates.

Auto liability insurance - injuries or damage you cause to claims such as funeral expenses, loss of income, and emergency aid. .

Collision protection - another vehicle or an object, but not an animal. . , . .

Comprehensive (Other than Collision) - caused by mother nature, theft, vandalism and other events. . a auto insurance company will pay at claim time , .

UM/UIM Coverage - This coverage . , . .

Med pay and Personal Injury Protection (PIP) - bills ambulance fees, surgery, and doctor visits. . .

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
Collision72%
Property Damage-24%
Comprehensive83%
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.

References:

  1. https://www.iihs.org/ratings/insurance-losses-by-make-and-model
  2. https://www.iihs.org/ratings/vehicle/mercedes-benz/e-class-4-door-sedan/2020

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