Cheap Mercedes-Benz GLA-Class Car Insurance in 2024 (Save With These 10 Companies)

The top picks for cheap Mercedes-Benz GLA-Class car insurance are State Farm, The Hartford, and American Family.

These companies stand out by offering competitive premiums and comprehensive coverage options tailored for luxury vehicle owners. Learn more details in our guide titled, “Best Car Insurance.”

Our Top 10 Company Picks: Cheap Mercedes-Benz GLA-Class Car Insurance

They prioritize customer satisfaction, providing reliable service and various discounts that benefit Mercedes-Benz GLA-Class owners. Explore how these insurers manage to offer both affordability and quality coverage, setting them apart in the auto insurance market. Find cheap car insurance quotes by entering your ZIP code above.

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#1 – State Farm: Top Overall Pick

Pros

• Competitive Pricing: State Farm offers the cheapest monthly rate at $83 for Mercedes-Benz GLA-Class car insurance.
• Bundling Policies: Significant savings available when bundling multiple policies like home and auto. Unlock details in our State Farm insurance review & ratings.
• Wide Coverage Options: Extensive coverage offerings tailor-fit to diverse automotive needs, including luxury vehicles like the Mercedes-Benz GLA-Class.

Cons

• Higher Premiums: Despite low starting rates, premium costs for higher coverage levels can be relatively expensive.
• Limited Multi-Policy Discount: While bundling can save money, the multi-policy discounts are less competitive compared to other insurers.

#2 – The Hartford: Best for Specialized Coverage

Pros

• High A.M. Best Rating: Strong financial stability with an A+ rating, ensuring reliable claim payouts. Discover insights in our guide titled, “The Hartford Insurance Review & Ratings.”
• Specialized Policies: Offers coverage options specifically beneficial for owners of premium vehicles like the Mercedes-Benz GLA-Class.
• Recovery Service: Includes specialized recovery services which are particularly useful for high-value vehicles.

Cons

• Slightly Higher Rates: Monthly premiums start at $85, slightly higher than the cheapest options.
• Age Targeting: Best rates and services are often targeted towards older drivers, which may not appeal to younger Mercedes-Benz owners.

#3 – American Family: Best for Loyalty Discount

Pros

• Loyalty Discounts: Notable discounts for long-term customers, enhancing savings over time. See more details in our guide titled, “American Family Insurance Review & Ratings.”
• Broad Acceptance Criteria: Flexible underwriting standards that accommodate a wider range of drivers, including those with luxury cars like the Mercedes-Benz GLA-Class.
• Customer-focused Services: Strong emphasis on personalized service and customer satisfaction.

Cons

• Average Financial Rating: With an A rating from A.M. Best, it’s slightly less robust compared to others with higher ratings.
• Narrower Coverage Options: Fewer unique coverage options tailored specifically to luxury or high-performance vehicles compared to competitors.

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#4 – Geico: Best for Customer Service

Pros

• Top A.M. Best Rating: Geico’s A++ rating assures excellent financial stability and claim-paying ability. Discover insights in our guide titled “Do Geico employees get car insurance discounts?“
• Efficient Claims Process: Renowned for its customer service, Geico provides a quick and efficient claims process.
• Competitive Pricing: Offers competitive pricing at $88 a month, making it an affordable option for Mercedes-Benz GLA-Class owners.

Cons

• Generic Coverage Options: While affordable, Geico’s coverage options may lack the specificity needed by luxury car owners.
• Customer Service Variability: Despite a strong reputation, some customers may experience variability in service quality.

#5 – Nationwide: Best for Vanishing Deductible

Pros

• Innovative Deductible Options: Nationwide’s Vanishing Deductible policy rewards safe driving by reducing the deductible over time.
• Broad Coverage Offerings: Provides a wide array of coverage options that can be tailored to the needs of Mercedes-Benz GLA-Class owners.
• Strong Financial Rating: A+ rating from A.M. Best ensures reliability in claim settlements. Access comprehensive insights in our Nationwide insurance review & ratings.

Cons

• Higher Starting Rates: Monthly rates start at $91, which is higher compared to other top providers.
• Complex Policy Options: The breadth of options can be overwhelming and may require more time to find the ideal coverage.

#6 – Travelers: Best for Financially Stable

Pros

• Superior Financial Stability: Boasts an A++ rating from A.M. Best, indicating top-notch financial health.
• Comprehensive Coverage: Offers extensive coverage options that benefit owners of high-value vehicles like the Mercedes-Benz GLA-Class.
• Discount Opportunities: Provides multiple discount opportunities that can significantly lower premiums. Check out insurance savings in our complete Travelers insurance review & ratings.

Cons

• Premium Pricing: Generally higher rates at $93 per month can be a deterrent for some budget-conscious owners.
• Policy Complexity: The range of available options can be complex and might require detailed consultation to navigate.

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#7 – Progressive: Best for Competitive Rates

Pros

• Affordable Premiums: Known for competitive rates, with monthly premiums starting at $94. Discover insights in our Progressive insurance review & ratings.
• Customization Options: Offers a wide range of customization options for policies, suitable for Mercedes-Benz GLA-Class owners seeking specific coverage.
• Online Tools: Progressive’s advanced online tools help customers manage policies and claims easily.

Cons

• Variable Customer Service: Customer service quality can vary, which might affect satisfaction for some policyholders.
• Rate Fluctuations: Premiums can fluctuate, especially after claims or policy adjustments.

#8 – Farmers: Best for Multi-Policy Discount

Pros

• Strong Multi-Policy Discounts: Offers significant discounts for customers who bundle multiple types of insurance.
• Dedicated Agents: Provides personalized service through dedicated agents, which is ideal for luxury car owners like those of the Mercedes-Benz GLA-Class.
• Customizable Policies: Allows extensive customization of policies to meet specific needs. Read up on Farmers insurance review & ratings for more information.

Cons

• Higher Base Rates: Starting at $96 per month, Farmers’ rates can be on the higher side.
• Complexity in Discounts: While discounts are available, qualifying for them can often be complex and restrictive.

#9 – Allstate: Best for Local Agent

Pros

• Local Agent Support: Allstate’s network of local agents provides personalized assistance, beneficial for Mercedes-Benz GLA-Class owners.
• Varied Coverage Options: Offers a variety of coverage options, allowing for detailed customization of policies.
• Strong Financial Rating: With an A+ rating from A.M. Best, Allstate is financially robust. Learn more in our complete Allstate insurance review & ratings.

Cons

• Higher Premiums: One of the higher starting rates at $99 per month.
• Inconsistent Customer Experience: The quality of service can vary significantly depending on the local agent.

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#10 – Liberty Mutual: Best for Customizable Coverage

Pros

• Highly Customizable Coverage: Offers extensive customization options, ideal for specific needs associated with Mercedes-Benz GLA-Class cars.
• Accident Forgiveness: Includes features like accident forgiveness, which can prevent rate increases after the first at-fault accident.
• Strong Educational Resources: Provides excellent resources to help customers understand their coverage options and needs. Discover more about offerings in our Liberty Mutual insurance review & ratings.

Cons

• Higher Price Point: The most expensive on this list, starting at $101 per month.
• Variable Claim Satisfaction: While overall service is robust, some customers report mixed experiences during the claims process.

Mercedes-Benz GLA-Class Insurance Rate Comparison

Understanding how different insurance providers price their policies for the Mercedes-Benz GLA-Class can help you make an informed decision. Below is a detailed breakdown of monthly rates for both minimum and full coverage across various insurance companies.

Mercedes-Benz GLA-Class Car Insurance Monthly Rates by Coverage Level & Provider

For the Mercedes-Benz GLA-Class, monthly insurance rates vary significantly between minimum and full coverage options. State Farm offers the most affordable rates, with minimum coverage starting at $83 and full coverage at $220. In contrast, Liberty Mutual presents the highest rates, charging $101 for minimum and $240 for full coverage.

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Other notable providers include Geico and American Family, with Geico offering minimum coverage at $88 and full coverage at $225, and American Family pricing their minimum coverage at $87 and full coverage at $225.

This table illustrates the range and helps pinpoint where each insurer stands in terms of affordability and comprehensive protection for the Mercedes-Benz GLA-Class. See more details in our guide titled, “What is included in comprehensive car insurance?“

Factors That Influence the Cost of Mercedes-Benz Gla-Class Car Insurance

The cost of car insurance for a Mercedes-Benz GLA-Class can vary significantly depending on several factors. Let’s take a closer look at the key influencers:

1. Vehicle Value: One of the primary factors affecting insurance rates is the value of the car. The Mercedes-Benz GLA-Class is a luxury vehicle with a hefty price tag, so insurance companies typically charge higher premiums to cover potential claims costs.
2. Insurance Coverage Options: The type and amount of coverage you choose for your Mercedes-Benz GLA-Class will affect the cost of your premium. Opting for comprehensive coverage that includes collision and comprehensive insurance will result in higher premiums, but it also provides better protection for your vehicle.
3. Driver Profile: Insurance companies assess the risk of insuring a specific driver based on factors such as age, driving history, and credit score. Younger and inexperienced drivers often face higher insurance rates as they are considered higher risk.
4. Location: Your location can impact the cost of insurance for your Mercedes-Benz GLA-Class. If you live in an area with higher rates of accidents, theft, or vandalism, your premiums may be higher.
5. Safety Features: Equipping your Mercedes-Benz GLA-Class with advanced safety features, such as lane departure warning systems, adaptive cruise control, and blind-spot monitoring, can help reduce your insurance costs. These features demonstrate to insurers that your vehicle is less likely to be involved in accidents.

Understanding the myriad factors that affect the cost of insuring a Mercedes-Benz GLA-Class is crucial for finding the most favorable insurance terms.

By comprehensively evaluating aspects like vehicle value, coverage choices, and personal driving history, you can effectively navigate the complexities of car insurance to secure a policy that balances cost with coverage.

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Understanding the Insurance Coverage Options for Mercedes-Benz Gla-Class

When insuring your Mercedes-Benz GLA-Class, various types of coverage are essential to consider. Liability Coverage is mandatory in most states and addresses injuries or damages you may cause to others in an accident; however, it does not cover damages to your own vehicle. Collision Coverage plays a crucial role by paying for repairs or replacement of your GLA-Class in the event of a collision, irrespective of fault.

Comprehensive Coverage provides protection against damages not caused by collisions, such as theft, vandalism, natural disasters, or falling objects. For situations involving an underinsured or uninsured driver, Uninsured/Underinsured Motorist Coverage is vital as it covers you in accidents where the other driver lacks sufficient insurance. See more details in our guide titled “Types of Car Insurance Coverage.”

Medical costs arising from accidents are covered under Medical Payments Coverage, which helps with expenses for you and your passengers, and Personal Injury Protection, which additionally covers lost wages and funeral expenses in some states. If your GLA-Class is in the shop due to an accident, Rental Reimbursement helps cover the cost of a rental vehicle.

Lastly, Gap Insurance is beneficial if your vehicle is totaled, covering the difference between what you owe on your vehicle and its actual cash value, ensuring you’re not financially disadvantaged. By understanding these coverage options, you can tailor your insurance policy to suit your needs and budget while ensuring adequate protection for your Mercedes-Benz GLA-Class.

Tips for Finding Affordable Car Insurance for a Mercedes-Benz Gla-Class

Paying exorbitant amounts for car insurance on your Mercedes-Benz GLA-Class may feel discouraging, but don’t worry. There are ways to find affordable coverage without sacrificing quality. Here are some tips to help you on your search:

• Shop Around: Take the time to obtain quotes from multiple insurance providers to compare rates and coverage options. Don’t settle for the first quote you receive – prices can vary significantly between companies.
• Maintain a Clean Driving Record: Having a clean driving record without accidents or traffic violations can qualify you for better insurance rates. Drive safely and obey traffic laws to demonstrate responsibility to insurers.
• Bundle Your Policies: If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your Mercedes-Benz GLA-Class coverage. Bundling often leads to significant discounts.
• Increase Your Deductible: Increasing your deductible can lower your premiums. Just make sure you can comfortably cover the deductible amount in case of an accident or claim.
• Utilize Discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for completing defensive driving courses. Taking advantage of these offers can significantly reduce your rates.

By implementing these tips, you can find affordable car insurance for your Mercedes-Benz GLA-Class while still receiving adequate coverage.

Comparing Car Insurance Quotes for Mercedes-Benz Gla-Class Models

The cost of insuring a Mercedes-Benz GLA-Class can be influenced by various factors specific to each model. For example, higher-value models like the Mercedes-Benz GLA250 4MATIC typically attract higher insurance rates due to their increased market value. Similarly, models equipped with more powerful engines or those designed for enhanced performance pose a higher risk, which may also lead to increased insurance costs.

However, vehicles that come with advanced safety features or have received high safety ratings often benefit from lower insurance premiums, as they are deemed less risky. The risk of theft and vandalism is another crucial factor; trims or models more susceptible to these threats can experience higher insurance rates.

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Additionally, the cost of repairs and the availability of replacement parts play a significant role in determining premiums; models requiring expensive parts or those with parts that are hard to source generally incur higher insurance costs. Finally, insurers consider the historical claim data of specific models, with those showing a higher frequency of claims typically facing higher premiums.

Each insurance company also applies its own underwriting guidelines and algorithms, leading to varied rates across different providers for the Mercedes-Benz GLA-Class models. Comparing quotes from multiple insurers tailored to each specific model and trim you are considering will provide you with an accurate comparison of insurance costs.

Read more: Compare Car Insurance Quotes

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Common Misconceptions About Insuring a Mercedes-Benz Gla-Class

There are several misconceptions surrounding the insurance costs for a Mercedes-Benz GLA-Class. Let’s debunk some of the common myths:

• Myth 1 – Insuring a Mercedes-Benz GLA-Class is always prohibitively expensive: While luxury vehicles may come with higher insurance premiums than economy cars, many factors influence the final cost, and insurance can be affordable with the right approach.
• Myth 2 – All insurance companies charge the same rates: Insurance rates can vary significantly between companies due to their underwriting guidelines and pricing models. Shopping around is crucial to find the best deal for your Mercedes-Benz GLA-Class.
• Myth 3 – You must purchase insurance from a dealership: Dealerships often offer insurance options but may not provide the most competitive rates. It’s always beneficial to compare quotes from other insurance providers to ensure you are getting the best deal.
• Myth 4 – Reducing coverage will result in massive savings: While lowering coverage limits or removing certain coverage options can save money, it’s important to ensure you still have adequate protection for your Mercedes-Benz GLA-Class. The cost savings should never compromise your peace of mind.
• Myth 5 – Premiums remain fixed throughout ownership: Insurance premiums can change over time due to various factors like location, claim history, or changes in vehicle value. Periodically reviewing your policy and comparing quotes can help you find better rates as your circumstances change.

By understanding these myths and misconceptions, you can make more informed decisions when insuring your Mercedes-Benz GLA-Class. Access comprehensive insights in our review of “How does the insurance company determine my premium?“

The Average Annual Cost of Mercedes-Benz Gla-Class Car Insurance

While it’s challenging to determine an exact average monthly cost for Mercedes-Benz GLA-Class car insurance due to the many variables involved, it’s possible to provide a general estimate based on typical premium ranges. Average monthly premiums for insuring a Mercedes-Benz GLA-Class could range from approximately $125 to $375, depending on several factors. See more details in our guide titled, “How much is car insurance?“

These include the model and trim you drive, your location, age, driving record, and coverage options chosen. Remember, these figures are only estimates, and your actual premiums may differ significantly. To obtain a more accurate cost, it’s important to request quotes from insurance providers tailored to your specific circumstances and coverage needs.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.

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