Mercedes Insurance
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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 insurance for a Mercedes
Comprehensive 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 insurance
TPFT 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 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.
We search over 120 car insurance providers to save you hassle and money
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We search over 120 car insurance providers to save you hassle and money
Mercedes 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 Models | Insurance Groups |
|---|---|
| Mercedes A-Class insurance group | 10-28 |
| Mercedes C-Class insurance group | 22-44 |
| Mercedes S-Class insurance group | 45-50 |
Mercedes insurance FAQs
What is the cheapest Mercedes to insure?
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*51% of consumers could save £515.24 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 December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.