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Mercedes Insurance

Cheap Mercedes Car Insurance

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Mercedes Benz Insurance


Types of car insurance for a Mercedes Benz

When choosing car insurance, there are three main coverage levels, designed to protect your finances in different circumstances. Many believe third-party insurance to be the cheapest, but that’s no longer the case. Our latest Quotezone analysis indicates that third-party policies are now, on average, a staggering 73% more expensive than comprehensive insurance. 

Comprehensive car insurance for a Mercedes

Comprehensive car insurance gives you the most coverage for your Mercedes. It covers you for damage to your vehicle from crashes, theft, vandalism, and fire. Also, it covers third-party liability, so you’re protected against claims from other drivers. 

Third party only Mercedes insurance

This is the bare minimum cover you need according to UK law. Third party insurance protects others if you damage their property or vehicle. However, it does not cover any damage to your own Mercedes. 

Third party, theft and fire car insurance

TPFT car insurance provides the same coverage as third party only insurance but adds protection against theft and fire damage to your Mercedes.  

How can I get cheap Mercedes Benz insurance quotes?

Give an accurate annual mileage

Be realistic about your estimated mileage to avoid overpaying for coverage you don’t need. If you plan to use your Mercedes as a second car, then make sure you let your insurer know.  Often lower mileage correlates with a lower risk of accidents which can lead to a discount on your insurance quote.  

Improve the security of your Mercedes

Taking steps to improve the security features on your Mercedes can, in many cases, mean discounts on your insurance. Insurance quotes are always about calculating risk. So insurer-approved security upgrades can be rewarded with lower premiums.  

Avoid making modifications

Changes to your car can drive up your insurance premiums. Aesthetic or performance-enhancing changes can signal higher risk to an insurer. This is because they often make your Mercedes more susceptible to theft or accidents.  

Pay your premium annually if possible

Paying your premium in one go can be cheaper than spreading the cost over the year. It’s a bigger upfront hit, but it saves you interest and admin fees. 

Increase the voluntary excess on your policy

If you’re willing to pay a higher excess in the event of a claim, you could lower your premium. Just make sure it’s an amount you can actually afford if you need to make a claim.  

Choose appropriate coverage

Opting for additional add-ons to your policy can make you feel more protected. However, selecting only the level of coverage that suits your needs and budget means you avoid paying more than necessary. 

Shop around and compare Mercedes insurance quotes

Don’t let your policy auto-renew. Using comparison sites can help you find the best deal tailored to your specific needs and circumstances.

How much does it cost to insure a Mercedes Benz?

Insuring a Mercedes Benz can cost more or less depending on your risk profile. Along with the exact make and model of your Mercedes, insurance companies will also consider factors that affect your risk, including: 

  • Your age and driving experience: Young drivers with less time behind the wheel often face higher costs because insurers see them as riskier. 
  • Your location: If you live somewhere with lots of car thefts or crashes, expect to pay more for coverage. 
  • Your driving history: Our latest research shows that as little as 3 penalty points on your licence could raise your car insurance premium by an average of 5%.  
  • Your annual mileage: Driving more miles each year means you’re more likely to have an accident, which can bump up your costs. 

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Mercedes car insurance groups

The insurance group your car is in affects how much you’ll pay. Here’s a quick guide to understanding these groups.  Cars are assigned to groups from 1 to 50 based on factors like performance, safety, and repair costs. So, groups vary depending on the exact year and features of your car.  Generally speaking, higher groups typically mean higher premiums. However, insurance groups are just one factor used to determine insurance costs.  

Mercedes ModelsInsurance Groups
Mercedes A-Class insurance group10-28
Mercedes C-Class insurance group22-44
Mercedes S-Class insurance group45-50
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Mercedes car insurance FAQs

What is the cheapest Mercedes to insure?

The Mercedes A-class tends to be the least expensive to insure. This is because it’s typically smaller, less powerful, and costs less than other models. The exact cost of your insurance will also depend on other factors such as where you live, where your car is parked overnight and your driving history. 

Can I insure a 17 year old on a Mercedes A-class?

You can get insurance for a 17-year-old on a Mercedes A-class, but it’ll be expensive. Young drivers fall into a high-risk group. Our latest data indicates that young drivers pay the highest average premiums across all UK regions. In London young drivers could expect to pay over 78% more than a motorist aged 45 to 65 in the same area. To cut costs you could look into black box policies for young drivers. 

Can I get insurance on a Mercedes for 7 days?

You can get short-term car insurance for your Mercedes that runs from just one day up to a few months, including week-long plans. This comes in useful for short-term needs like borrowing someone else’s vehicle.  

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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.