What affects the cost 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.
What insurance group is my Mercedes Benz in?
Car insurance group checker
The car
Insurance group
Group
9/50
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 when you compare car insurance quotes:
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 6,574 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 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.
2Based on Confused.com data, Q4 2024.
What types of insurance can I get?
There are 3 levels of car insurance you can choose from:
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Page last reviewed: 13 Jan 2025
Reviewed by: Rhydian Jones
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