- Car insurance rates for a 2024 Mercedes-Benz EQS 450 average $3,122 per year or around $260 per month, but can vary significantly based on the trim level.
- Out of 24 models in the large luxury car segment, the EQS 450 ranks fifth for insurance cost.
- The EQS 450 Plus Premium SUV model is the cheapest to insure at around $3,066 per year. The most expensive trim is the Plus Pinnacle Sedan at $3,222 per year.
How much does Mercedes-Benz EQS 450 insurance cost?
An average driver will pay an estimated $3,122 yearly to insure a Mercedes-Benz EQS 450. With MSRPs ranging from $104,400 to $115,000 for the 2024 model, monthly insurance rates range from $256 to $269.
The following chart details average annual car insurance cost on a 2024 EQS 450 using a range of driver ages and risk profiles. Drivers requiring high-risk insurance will pay very high rates, whereas the best rates are reserved for more mature drivers with good driving records and claims history.
The table below displays the estimated yearly and 6-month policy costs, including a monthly insurance rate, for each the Mercedes-Benz EQS 450 models available for 2024.
| 2024 Mercedes-Benz EQS 450 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Plus Premium SUV | $3,066 | $256 |
| Plus Premium Sedan | $3,082 | $257 |
| Plus Exclusive Sedan | $3,106 | $259 |
| Plus Exclusive SUV | $3,114 | $260 |
| 4Matic SUV | $3,114 | $260 |
| Plus Pinnacle SUV | $3,152 | $263 |
| Plus Pinnacle Sedan | $3,222 | $269 |
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 26, 2025
In addition to the different driver risk profiles shown in the chart above, there are many other factors that can either positively or negatively impact the rate you pay for car insurance. The list below goes into detail for some of those factors, and also notes a few tips that can help you save money.
- Teenagers are the most expensive age group to insure. Average rates for full coverage EQS 450 insurance costs $10,245 per year for a 16-year-old driver, $10,057 per year for a 17-year-old driver, $9,279 per year for an 18-year-old driver, and $8,399 per year for a 19-year-old driver.
- Get cheaper rates because of your choice of occupation. Many insurance companies offer discounts for working in professions like high school and elementary teachers, architects, police officers and law enforcement, college professors, dentists, and others. Having this discount applied to your policy could save between $94 and $228 on your yearly insurance cost, depending on the age of the driver.
- Excellent credit equals excellent rates. Drivers who maintain a credit score over 800 may save up to $490 per year over a lower credit rating of 670-739. Conversely, poor credit could cost around $568 more per year.
- Lower the cost of your policy by increasing deductibles. Increasing deductibles from $500 to $1,000 could save around $594 per year for a 40-year-old driver and $1,132 per year for a 20-year-old driver.
- Low deductibles will increase rates. Decreasing your deductibles from $500 to $250 could cost an additional $614 per year for a 40-year-old driver and $1,188 per year for a 20-year-old driver.
- Qualify for discounts to save money. Discounts may be available if the policyholders drive low annual mileage, are homeowners, take a defensive driving course, are loyal customers, or many other discounts which could save the average driver as much as $522 per year.
- Car insurance for high-risk drivers is expensive. For a 20-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations could raise rates by $4,588 or more per year.
- Fewer accidents means cheaper EQS 450 insurance rates. Having a few at-fault accidents can really raise rates, potentially by an extra $4,136 per year for a 20-year-old driver and even $598 per year for a 60-year-old driver.
Is Mercedes-Benz EQS 450 insurance expensive?
When compared to other large luxury cars, insurance for a Mercedes-Benz EQS 450 costs $340 more per year than the Audi A5, $672 less than the BMW 740i, and $1,544 less than the Porsche Panamera.
The EQS 450 ranks fifth out of 24 total vehicles in the 2024 large luxury car category for insurance affordability. The EQS 450 averages $3,122 per year for full coverage car insurance, while the segment average is $3,748, a difference of $626 per year.
The following table shows how average Mercedes-Benz EQS 450 car insurance rates rank when compared to the rest of the luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,782 | -$340 |
| 2 | Volvo S90 | $2,870 | -$252 |
| 3 | Genesis G90 | $3,076 | -$46 |
| 4 | Mercedes-Benz AMG E53 | $3,088 | -$34 |
| 5 | Mercedes-Benz EQS 450 | $3,122 | -- |
| 6 | Lexus LS 500 | $3,220 | $98 |
| 7 | Lexus LS 500h | $3,262 | $140 |
| 8 | BMW 840i | $3,354 | $232 |
| 9 | BMW i7 | $3,402 | $280 |
| 10 | Audi RS 7 | $3,524 | $402 |
| 11 | BMW M850i | $3,780 | $658 |
| 12 | BMW 740i | $3,794 | $672 |
| 13 | BMW 750e | $3,806 | $684 |
| 14 | Mercedes-Benz AMG GT43 | $3,832 | $710 |
| 15 | Audi S8 | $3,878 | $756 |
| 16 | Mercedes-Benz S500 | $3,972 | $850 |
| 17 | Audi A8 | $3,982 | $860 |
| 18 | BMW 760i | $4,008 | $886 |
| 19 | Mercedes-Benz S580 | $4,162 | $1,040 |
| 20 | Mercedes-Benz EQS 580 | $4,230 | $1,108 |
| 21 | Mercedes-Benz Maybach S580 | $4,598 | $1,476 |
| 22 | Mercedes-Benz AMG EQS | $4,642 | $1,520 |
| 23 | Porsche Panamera | $4,666 | $1,544 |
| 24 | Mercedes-Benz Maybach S680 | $4,906 | $1,784 |
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
