Welcome to our Mercedes-Benz® Compare Page
Here you can learn more about Car Insurance Pricing and Mercedes-Benz, one of the leading car brands in the United States. We’ll compare the most affordable and expensive makes and models on average for car insurance in the US.
What Factors go into Insurance pricing?
The average car insurance payment can vary significantly depending on various factors. These factors include:
Location: Insurance rates can vary greatly by location. Urban areas tend to have higher rates due to increased traffic and higher risk of accidents, while rural areas often have lower rates.
Driver’s Age and Driving History: Young and inexperienced drivers often face higher insurance premiums. A clean driving record with no accidents or violations generally leads to lower rates.
Coverage Levels: The type and amount of coverage you choose significantly impact your insurance costs. Liability-only coverage is typically cheaper than comprehensive or collision coverage.
Deductible: Your deductible is the amount you’re responsible for paying before your insurance coverage kicks in. A higher deductible often results in lower premiums, but it means you’ll pay more out of pocket in the event of a claim.
Credit Score: In some regions, insurance companies use credit scores to help determine premiums. A higher credit score can lead to lower rates.
Discounts: Insurance companies offer various discounts, such as safe driver discounts, multi-policy discounts, and more. Taking advantage of these discounts can reduce your premiums.
Annual Mileage: The number of miles you drive annually can affect your rates. The more you drive, the higher the risk, and the higher your premiums may be.
Intelligent Manufacturing Award
Mercedes-Benz AG was the overall winner of the 2024 Intelligent Manufacturing Award
J.D. Power quality award
Awarded to the brand who had the fewest problems reported by 100 car owners during the first 90 days of ownership.
Most Popular Mercedes-Benz Models
The most popular Mercedes-Benz model is typically the Mercedes-Benz C-Class. As a luxury compact sedan, the C-Class has been a cornerstone of Mercedes-Benz’s lineup and consistently ranks as one of its best-selling models worldwide.
Why the C-Class is Popular:
Luxury and Comfort: The C-Class offers a premium interior with high-quality materials, advanced technology, and a comfortable ride, making it a favorite among luxury car buyers.
Diverse Options: The C-Class comes in a variety of trims and body styles, including sedans, coupes, and convertibles, as well as high-performance AMG variants, catering to a wide range of preferences.
Prestige and Brand Appeal: The C-Class is an accessible entry point to the Mercedes-Benz brand for many buyers, offering the prestige and status associated with Mercedes ownership.
Reliability and Versatility: Known for its reliability and versatility, the C-Class is equally suited for daily commuting and long-distance driving.
Other Popular Mercedes-Benz Models:
- Mercedes-Benz E-Class: A midsize luxury sedan or wagon, offering more space and features than the C-Class.
- Mercedes-Benz GLE: A midsize SUV that has gained popularity due to the rising demand for luxury SUVs.
- Mercedes-Benz GLC: A compact SUV that combines the practicality of an SUV with Mercedes’ signature luxury and performance.
While SUVs like the GLE and GLC have seen a surge in popularity due to consumer preferences, the C-Class remains the brand’s most iconic and enduring model.
Cheapest Models to Insure
The Mercedes-Benz A-Class is typically the cheapest Mercedes-Benz model to insure. The A-Class is an entry-level luxury sedan that combines affordability with the prestige and features expected from a Mercedes-Benz vehicle.
Why the A-Class is Affordable to Insure:
Lower Purchase Price: As one of the most affordable models in Mercedes-Benz’s lineup, the A-Class has lower replacement and repair costs, which helps keep insurance premiums down.
Compact Size: The smaller size of the A-Class makes it less expensive to repair compared to larger models like SUVs or sedans.
Advanced Safety Features: The A-Class is equipped with many modern safety features, such as automatic emergency braking, blind-spot monitoring, and adaptive cruise control, which reduce the likelihood of accidents and lead to lower insurance rates.
Efficient Performance: The A-Class is not a high-performance car like the AMG models, so it’s less associated with risky driving behavior, which can further lower premiums.
Other Affordable Mercedes-Benz Models to Insure:
- Mercedes-Benz CLA: A compact luxury coupe-styled sedan, similar in size and price to the A-Class.
- Mercedes-Benz GLA: A subcompact luxury SUV that’s relatively affordable compared to larger SUVs like the GLE or GLS.
These models are ideal for buyers seeking the prestige of the Mercedes-Benz brand with lower insurance costs compared to the more expensive and high-performance vehicles in the lineup.
Most Expensive Models to Insure
1. Mercedes-AMG GT (including Black Series and Roadster variants)
- Type: High-performance sports car
- Reason for high insurance: The AMG GT is a powerful, high-speed sports car with a high sticker price. Its advanced engineering, performance-focused components, and potential for accidents due to its speed capabilities result in elevated insurance premiums.
2. Mercedes-Maybach S-Class
- Type: Ultra-luxury sedan
- Reason for high insurance: The Maybach S-Class is a flagship luxury sedan with features like premium interior materials, cutting-edge technology, and custom options. Its high replacement value and expensive repairs make it costly to insure.
3. Mercedes-Benz G-Class (specifically AMG G63)
- Type: Luxury off-road SUV
- Reason for high insurance: The G-Class, particularly the AMG G63 variant, is a luxury SUV known for its performance and iconic design. Its high price tag and popularity among high-net-worth individuals drive up its insurance costs.
4. Mercedes-AMG S63 and S65
- Type: High-performance luxury sedans
- Reason for high insurance: These models combine the luxury of the S-Class with the power of AMG performance, leading to higher premiums due to their speed capabilities and costly components.
Why These Cars Have High Insurance Costs:
- High Value: The more expensive the car, the higher the replacement cost, which significantly influences insurance premiums.
- Performance: High-performance vehicles carry a greater risk of accidents, increasing liability and collision coverage costs.
- Repair Costs: Mercedes-Benz vehicles, especially the AMG and Maybach lines, require specialized parts and labor, driving up repair costs.
For personalized insurance quotes, it’s best to consult with providers, as premiums will vary based on factors like location, driving history, and coverage needs.
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