Mercedes-Benz insurance

Mercedes is one of the most popular and famous car brands in the world. Their models range from suitable family cars, all the way to luxury, high performing sports models. We work with 174 insurers to find you car insurance for your Mercedes-Benz, whichever model you own.

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How much does a Mercedes-Benz cost to insure?

The cost of car insurance for 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:

Model Average price1
A 180 AMG Sport CDi BlueEfficiency
C220D AMG Line £788
E220 Avantgarde CDi (170) £576
SLK 250 Sport AMG CDi £334
S 320 Auto £571

1Based on data December 2022 - May 2023

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 in insurance 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:

  • Paying annually rather than monthly
  • Add a named driver
  • Increase your voluntary excess
  • Shop around and compare quotes
  • Estimate your mileage accurately
  • Improve your car's security
  • Build up your no-claims discount

Paying annually rather than monthly can save you 16%2 on your car insurance. When you pay monthly, insurers add interest to your price, so paying annually is a good way to lower the cost.

Add a named driver whose driving experience can help to reduce your policy's overall risk, especially if you're a young driver. The average premium with just one driver on a policy is £7252. With a named driver, this drops to £5552. 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.

Increase your voluntary excess. 62%2 of our customers opt to set their voluntary excess at £250. But the higher you set your excess, the lower your premium might be. You'll need to pay it if you make a claim though, so make sure you can afford the amount you choose.

Shop around and compare quotes. One of the best ways to make sure you're getting a good deal on your cover is to compare different prices. According to our data, the best time to buy your policy is around 26 days before your renewal date2.

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 6,621 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 by installing a steering wheel lock, car tracker, or immobiliser so 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.

Build up your no-claims bonus (NCB). You build a NCB every year you don't make a claim on your insurance, and insurers often offer discounts on each year you gain. Some insurers offer policies which allow you to protect your no-claims bonus. This will often be a feature you can add to a policy for an extra cost, but it allows you to make a certain number of no-fault claims before it affects your NCB.

2Based on data December 2022 - April 2023

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-party is 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.

What optional extras can I get with my Mercedes-Benz insurance?

The add-ons you include in your policy will depend on your personal needs. Some of the optional extras often added are:

Personal accident cover pays out in the event of serious injury or death to yourself or passengers caused by an accident involving your car. The amount of cover will vary so check policy documents.

Breakdown cover covers you if you break down at the roadside. Most insurers will offer various cover levels to suit your needs, ranging from roadside assistance, to local cover, to national recovery.

Motor legal protection covers any motoring-related legal expenses following an accident involving your car. Often this includes the cost of solicitors, medical treatments and travel costs but can vary depending on your policy.

Windscreen cover covers the cost of replacement or repairs to windscreens and glass if they are damaged in an accident.

Mercedes-Benz history and facts

If you’re after an instantly recognisable car, you can’t go wrong with a Mercedes-Benz - if you’ve got the budget for one.

The company, with its three-pointed star symbol, is well known for producing luxurious cars that come with a high price tag, from Formula One models to everyday cars you see on the road including the Mercedes GLA and GLE.

Its motto is ‘The Best or Nothing’ and this is encompassed in the quality and design of the cars, and the price tag.

The first petrol-powered car was produced by Karl Benz in 1886 and it is the oldest automotive brand still around today.

It was patented in 1886 and first marketed in 1901 by Daimler-Motoren-Gesellschaft, which is also known for creating the first motorcycle in 1885.

After the First World War, the two men formed a new partnership and in 1926 the first Mercedes-Benz cars were produced.

In 1958 it began selling its cars in America. In 1995 it created the first autonomous car, the W140 S-Class, which drove along the Autobahn in Germany on its own, fuelled using microprocessors.

Since then it has produced several well-known classic cars, has factories all over the world, and has moved into the electric car market.

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