Mercedes-Benz car insurance (2024)

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1Correct as of March, 2024

How much does a Mercedes-Benz cost to insure?

The cost of car insurancefor a Mercedes-Benz depends a lot on the model you drive. Higher-end models are likely to cost more to insure.

The prices to insure some of the most popular Mercedes-Benz models are:

ModelAverage price1
E220d AMG Line£1,353
C22O D AMG Line£1,227
A180d Sport d£1,360
GLA 180 Urban£1,226
A200 AMG Line Premium£1,491

1Based on Confused.com data November 2023 - April 2024

What affects the price of car insurance?

Insurers use a variety of factors to determine insurance costs, including:

Your age: Younger drivers are seen as higher risk by insurers. This is because older drivers are seen as having more experience on the roads and are statistically less likely to be involved in an accident

Where you live: Your insurance is likely to cost more if you live in a built-up area with a higher vehicle theft rate than if you live in a rural area with less risk.

Your occupation: Jobs where you spend a lot of time on the road are considered higher risk with insurers. They'll also consider the types of people you work with and where your car is kept during work hours.

Your car: All cars are ranked ininsurance groups from 1 to 50, with 1 being the cheapest to insure and 50 being the most expensive. Mercedes-Benz insurance groups range from 9 to 45. Models in group 45 are likely to be more powerful and expensive and will cost more to insure.

Your driving history: if you have any previous claims or driving convictions this will impact how much you pay.

How can I save on my Mercedes-Benz car insurance?

Insurers will use several factors to calculate a price for insuring your Mercedes-Benz. This includes your age, location and driving history. But you can still find ways to lower the cost:

Pay annually for your policy

It's cheaper to pay for your insurance annually, rather than monthly. This is because insurers charge interest for spreading the costs.

Increase your voluntary excess

Increasing your voluntary excess could bring down the cost of your insurance. But be sure you set it to a limit you can afford to pay if you need to make a claim.

Build your no-claims bonus (NCB)

Each year that passes without you making a claim helps improve your no-claims bonus. This in turn means that your insurer will offer discounts for each year of no-claims that you have. Don't forget you can protect your NCB on your policy as well.

Add a named driver

A driver with experience can help to reduce your policy's overall risk, especially if you're a young driver. But it's important to be honest about who the main driver is or you may be 'fronting', which is illegal and can invalidate your insurance.

Estimate your mileage accurately

Driving more puts you at a higher risk of making a claim, so having a higher estimated mileage usually increases the cost of your policy. Our customers drive 6,600 miles per year, on average2. For drivers that don't do a high number of miles each year, a pay as you go policy may be a more affordable option.

Improve your car's security

Install a steering wheel lock, car tracker, or immobiliserso the risk of your car being stolen is reduced. Parking on a dimly lit street is seen as higher risk than parking in a secure garage and can increase your insurance costs.

2Based on Confused.com data, December - February 2024.

What types of insurance can I get?

There are 3 levels of car insurance you can choose from:

  • Third-party
  • Third-party, fire and theft
  • Comprehensive
  • Third-partyis the lowest level of insurance required to legally drive on UK roads. It covers you if you damage someone else's car or injure them while driving. Any passengers in your car will be covered too. However theft, damage or repairs needed for your Mercedes-Benz following an accident won't be covered.

  • Third-party, fire and theft includes everything covered with third-party insurance, as well as cover if your Mercedes-Benz is stolen or damaged by fire.

  • Comprehensive insurance is the highest level of cover available and includes everything third-party, fire and theft does as well as covering your own car. You'll also be covered for any injuries you sustain if you're in an accident. Often comprehensive insurance is the cheaper option, even though it gives you the most cover.

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Page last reviewed: 23/04/2024

Reviewed by:Louise Thomas

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