Exploring Mercedes-Benz AMG EQS Car Insurance Costs: Ultimate Rate Breakdown

We compared average insurance cost from the Premium Sedan model to the top tier Pinnacle Sedan trim level to discover how the AMG EQS sizes up to other large luxury cars.

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  • Mercedes-Benz AMG EQS insurance costs an average of $4,642 per year for a full coverage policy.
  • As one of the more expensive large luxury cars to insure, the Mercedes-Benz AMG EQS costs $894 more per year on average to insure when compared to similar models.
  • The AMG EQS Premium Sedan model is the cheapest to insure at around $4,592 per year, or $383 per month.
  • The model with the most expensive insurance is the Pinnacle Sedan at $4,716 per year, or around $393 per month.

How much does Mercedes AMG EQS insurance cost?

Mercedes-Benz AMG EQS insurance averages around $4,642 yearly, or about $387 monthly. Overall, expect to pay about $894 more annually for Mercedes-Benz AMG EQS insurance when compared to the average rate for all large luxury cars, and $2,421 more per year than the overall national average of $2,221.

The bar chart below demonstrates how AMG EQS insurance cost can change based on driver age group and physical damage deductibles.

Average 2024 Mercedes-Benz AMG EQS car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Mercedes-Benz AMG EQS car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Mercedes-Benz AMG EQS. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Mercedes-Benz AMG EQS Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$7,508$626
$500$9,302$775
$250$11,206$934
30-Year-Old$1,000$4,012$334
$500$5,004$417
$250$6,038$503
40-Year-Old$1,000$3,730$311
$500$4,642$387
$250$5,592$466
50-Year-Old$1,000$3,264$272
$500$4,052$338
$250$4,872$406
60-Year-Old$1,000$3,060$255
$500$3,798$317
$250$4,566$381

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Mercedes-Benz AMG EQS. Updated June 27, 2025

The table below displays the estimated annual and semi-annual policy costs, in addition to a monthly amount for budgeting, for each Mercedes-Benz AMG EQS package and trim level.

2024 Mercedes-Benz AMG EQS Insurance Rates by Trim Level
2024 Mercedes-Benz AMG EQS Trim Level Annual Premium Cost Per Month
Premium Sedan$4,592$383
Exclusive Sedan$4,618$385
Pinnacle Sedan$4,716$393

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Mercedes-Benz AMG EQS ranging from the Premium Sedan model at $4,592 per year to the Pinnacle Sedan model at $4,716
Insurance cost by trim level for a 2024 Mercedes-Benz AMG EQS ranging from the Premium Sedan model at $4,592 per year to the Pinnacle Sedan model at $4,716

Ways to reduce the cost of car insurance

Insurance on a 2024 AMG EQS is definitely not cheap. But there are some ways to help keep costs down and not overpay. The tips below are some of the best ways to lower the cost of insurance.

  • Getting older pays dividends in cheaper insurance. The difference in AMG EQS insurance cost between a 50-year-old driver ($4,052 per year) and a 20-year-old driver ($9,302 per year) is $5,250, or a savings of 78.6%.
  • Improve your credit for cheaper car insurance. Having a good credit rating over 800 could save an average of $729 per year when compared to a decent credit rating of 670-739. Conversely, a credit score lower than 579 could cost as much as $845 more per year.
  • Be a responsible driver and save. Having multiple accidents could cost you more, potentially up to $2,166 per year for a 30-year-old driver and as much as $956 per year for a 60-year-old driver.
  • Raising physical damage deductibles lowers cost. Raising your policy deductibles from $500 to $1,000 could save around $912 per year for a 40-year-old driver and $1,794 per year for a 20-year-old driver.

How do AMG EQS car insurance rates compare?

The Mercedes-Benz AMG EQS ranks 22nd out of 24 total comparison vehicles in the large luxury car category for most affordable car insurance cost. The AMG EQS costs an average of $4,642 per year for insurance, while the segment median cost is $3,748 annually, a difference of $894 more per year.

When compared side-by-side to some other models in the large luxury car category, insurance prices for a Mercedes-Benz AMG EQS cost $1,860 more per year than the Audi A5, $1,288 more than the BMW 840i, and $480 more than the Mercedes-Benz S580.

The following table shows how insurance cost for a Mercedes-Benz AMG EQS compares to the best-selling large luxury cars like the BMW M850i, Lexus LS 500, and the Audi A8.

Insurance Cost Comparison: Mercedes-Benz AMG EQS vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$1,860
2Volvo S90$2,870-$1,772
3Genesis G90$3,076-$1,566
4Mercedes-Benz AMG E53$3,088-$1,554
5Mercedes-Benz EQS 450$3,122-$1,520
6Lexus LS 500$3,220-$1,422
7Lexus LS 500h$3,262-$1,380
8BMW 840i$3,354-$1,288
9BMW i7$3,402-$1,240
10Audi RS 7$3,524-$1,118
11BMW M850i$3,780-$862
12BMW 740i$3,794-$848
13BMW 750e$3,806-$836
14Mercedes-Benz AMG GT43$3,832-$810
15Audi S8$3,878-$764
16Mercedes-Benz S500$3,972-$670
17Audi A8$3,982-$660
18BMW 760i$4,008-$634
19Mercedes-Benz S580$4,162-$480
20Mercedes-Benz EQS 580$4,230-$412
21Mercedes-Benz Maybach S580$4,598-$44
22Mercedes-Benz AMG EQS$4,642--
23Porsche Panamera$4,666$24
24Mercedes-Benz Maybach S680$4,906$264

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

At $4,642 per year, insurance cost for a 2024 Mercedes-Benz AMG EQS ranks 22nd out of 24 models in the large luxury car segment
At $4,642 per year, insurance cost for a 2024 Mercedes-Benz AMG EQS ranks 22nd out of 24 models in the large luxury car segment