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Compare Mercedes car insurance in the UK

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How much does it cost to insure a Mercedes?

Annual Mercedes car insurance typically ranges from £600 for basic third-party policies up to £2,000+ for comprehensive cover. Rates are highest for AMG performance models and lowest for A-Class/B-Class models.

Specific variables that increase Mercedes insurance rates include:

  • Engine size – Vehicles with larger, more powerful engines have higher premiums
  • Performance models – AMG, Mercedes-AMG GT and S-Class models are more expensive to insure than regular editions
  • No-claims discount (NCD) – Policies without NCDs have higher premiums. Multi-year NCDs provide savings
  • Driver age – Under-25s pay the most, over-25s with experience pay less
  • Location – Urban areas are more expensive than rural spots. Where the car is parked also matters
  • Security – Discounts offered for alarms, immobilisers and secure garaging
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Which factors determine Mercedes insurance cost?

In calculating premiums, insurers mainly examine:

Driving record

Recent accidents, traffic violations and disqualifications raise rates substantially. A clean record lowers costs.

Vehicle use

Daily driver policies cost more than those covering occasional recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for approved security devices, such as alarms and immobilisers, and secure garaging. These deter theft.

Coverage limits

Lower coverage levels reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.

Tips for reducing Mercedes insurance premiums

Here are some top ways to get cheaper Mercedes insurance in the UK:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers, advanced courses, etc.
  • Increase voluntary excess to £500+ to lower premiums if you can afford the extra costs when claiming
  • Add an experienced second driver, such as a partner or parent, to benefit from their good record
  • Limit the Mercedes to recreational use rather than as a daily driver when possible
  • Improve security with an approved alarm and tracking system. Also, ensure garaging
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Finding the best Mercedes insurance

The keys to affordable Mercedes cover are shopping around, optimising risk factors and leveraging available discounts. Researching specialist Mercedes insurers on comparison sites yields the best opportunity for savings.

Mercedes car insurance FAQs

Mercedes vehicles typically span a wide range of groups from 10 to 50 depending on model, engine specifications and trim level. More powerful models sit in higher groups.

Mercedes cars have a reputation for solid engineering and reliability if properly maintained, though repair costs are higher than average.

Yes, Mercedes cars tend to have strong residual values compared to rivals, thanks to their premium image, quality interiors and performance.

Yes, Mercedes offers plug-in hybrid, hybrid and all-electric EQ models such as the C300e, GLE 350 de and EQC. More electric models are coming.

The A-Class hatchback and B-Class in lower trims offer some of the most affordable options for Mercedes buyers. Used Mercedes can also provide value.

Increasing excess, limiting mileage, adding experienced drivers, improving security and comparing quotes help cut Mercedes insurance costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.