Mercedes-Benz insurance groups
Quick answer
Mercedes sits high across the board. Even the A-Class, the brand's entry point, starts around group 20, and the AMG versions of almost every model reach the mid-forties. This is a range where the trim choice matters more to your premium than the model choice does.
Typical group range here
Groups 19–46
Typical annual estimate*
£485–£1485
*Estimate only, not a quote — driver aged 30–49, medium-risk postcode, comprehensive cover. The midpoint (33) sits in the high band. How we calculate this.
Cheapest Mercedes-Benz models
| Model | Typical group range | Band | Typical cost* |
|---|---|---|---|
| Mercedes-Benz A-Class | 19–35 | Medium | from £485 |
| Mercedes-Benz GLA | 25–46 | High | from £590 |
| Mercedes-Benz CLA | 26–45 | High | from £605 |
| Mercedes-Benz C-Class | 28–46 | High | from £640 |
*Estimate only, not a quote — based on the lowest trim in each model's range.
How much does it cost to insure a Mercedes-Benz?
There is no single Mercedes-Benz insurance cost, because the range covers groups 19 to 46. So what is the average cost to insure a Mercedes-Benz? Across the models we cover it works out at roughly £735 a year for a driver aged 30–49 on comprehensive cover, with the cheapest entry trims near £605 and the highest-rated derivatives near £1,190. That average Mercedes-Benz car insurance cost is a midpoint rather than a prediction: it tells you where the brand sits against others, not what you will pay.
So is Mercedes-Benz expensive to insure? About average. Mercedes-Benz is neither a cheap nor an expensive brand to insure as a whole. How much does a Mercedes-Benz cost to insure in practice? That depends almost entirely on which one: the Mercedes-Benz A-Class is the cheapest model here, starting at group 19, while the Mercedes-Benz GLA reaches group 46 at the top of its range. That gap matters far more than the badge, which is why a model-by-model comparison beats any brand-level average.
Treat these as comparison figures rather than a Mercedes-Benz car insurance price you can hold us to. The average cost of Mercedes-Benz car insurance in your own case will also depend on your age, postcode, mileage, claims history and excess, and for an actual Mercedes-Benz car insurance quote you will need to price the exact derivative. The fastest way to know which derivative you are looking at is to check the registration.
Compare it against the rest of the market in the insurance group prices table, or see how the group affects your premium across age bands. For everything outside the car, read what affects car insurance price.
The AMG gap is the widest in the range
Across the A-Class, CLA, GLA and C-Class, the pattern repeats: the standard car sits in the high twenties to low thirties, and the AMG version sits in the mid-forties. That's a bigger within-model spread than most brands, and it means a Mercedes shopping decision is really a decision about which engine you can afford to insure.
Plug-in hybrids land in the middle
The 250e variants consistently sit between the base petrol and the AMG models. The battery and charging hardware add value and repair cost, but the performance stays moderate — so they land mid-range rather than at either extreme. Worth knowing if you're weighing the running-cost saving against the insurance step.
How these ratings are set
Every figure here comes from the same ABI/Thatcham 1–50 scale used across the site — there is no separate scale for a body style or a brand. See how insurance groups are decided for the rating factors behind each number, or car insurance groups explained for the wider picture. For model ranges launched since August 2024, check our Vehicle Risk Rating guide — those cars are increasingly rated on a different framework.
Frequently asked questions
Which Mercedes is cheapest to insure?
An entry-trim A-Class, which sits around group 20 in our data — the brand's lowest entry point, but still above most mainstream family cars.
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Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.