Mercedes-Benz EQS 450 Insurance Rates – 2023 Cost Comparison

How much are Mercedes-Benz EQS 450 car insurance rates? We analyze rates from the base EQS 450 Premium Sedan up to the Pinnacle Sedan model to see how insurance prices compare to all other large luxury cars.

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  • Car insurance rates for a 2023 Mercedes-Benz EQS 450 average $2,570 per year or around $214 per month, but can vary significantly based on the trim level.
  • Out of 26 models in the large luxury car segment, the EQS 450 ranks 10th for insurance cost.
  • The EQS 450 Plus Premium Sedan model is the cheapest to insure at around $2,518 per year. The most expensive trim is the Plus Pinnacle SUV at $2,612 per year.

How much does Mercedes-Benz EQS 450 insurance cost?

An average driver will pay an estimated $2,570 yearly to insure a Mercedes-Benz EQS 450. With MSRPs ranging from $102,310 to $110,190 for the 2023 model, monthly insurance rates range from $210 to $218.

The following chart details average annual car insurance cost on a 2023 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.

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Chart Data Details: Average rates are for a 2023 model year Mercedes-Benz EQS 450 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Mercedes-Benz EQS 450 trim levels.Data last updated on December 29, 2022
Mercedes-Benz EQS 450 Insurance Cost Summary
Mercedes-Benz EQS 450 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,850$488
Safe Driver Age 20$5,124$427
At-fault Accidents Age 40$3,598$300
Low Deductibles Age 40$3,458$288
Safe Driver Age 30$2,736$228
Safe Driver Age 40$2,570$214
Safe Driver Age 50$2,336$195
Safe Driver Age 60$2,294$191
Discount Rate Age 40$2,134$178
High Deductibles Age 40$2,116$176

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 2023.

2023 Mercedes-Benz EQS 450 Insurance Cost by Trim Level
Mercedes-Benz EQS 450 Trim Level Annual Policy 6-month Policy Per Month
Plus Premium Sedan$2,518$1,259$210
Plus Premium SUV$2,544$1,272$212
Plus Exclusive Sedan$2,560$1,280$213
Plus Exclusive SUV$2,582$1,291$215
4Matic SUV$2,582$1,291$215
Plus Pinnacle Sedan$2,592$1,296$216
Plus Pinnacle SUV$2,612$1,306$218

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Table Data Details: Average rates are for a 2023 Mercedes-Benz EQS 450, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 29, 2022
Mercedes-Benz EQS 450 Insurance Cost by Trim Level

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 $8,898 per year for a 16-year-old driver, $8,418 per year for a 17-year-old driver, $7,900 per year for a 18-year-old driver, and $7,216 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 $77 and $178 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 $403 per year over a lower credit rating of 670-739. Conversely, poor credit could cost around $468 more per year.
  • Lower the cost of your policy by increasing deductibles. Increasing deductibles from $500 to $1,000 could save around $454 per year for a 40-year-old driver and $892 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Decreasing your deductibles from $500 to $250 could cost an additional $474 per year for a 40-year-old driver and $944 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 $436 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 $3,964 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 $3,586 per year for a 20-year-old driver and even $754 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 $590 more per year than the Audi A5, $226 less than the BMW 740i, and $376 less than the Porsche Panamera.

The EQS 450 ranks 10th out of 26 total vehicles in the 2023 large luxury car category for insurance affordability. The EQS 450 averages $2,570 per year for full coverage car insurance, while the segment average is $2,724, a difference of $154 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.

Mercedes-Benz EQS 450 Insurance Cost Comparison
Rank Make/Model Insurance Cost Difference
1Audi A5$1,980-$590
2Volvo S90$2,230-$340
3Lexus LS 500$2,304-$266
4Mercedes-Benz AMG E53$2,318-$252
5Genesis G90$2,330-$240
6BMW i7$2,346-$224
7Mercedes-Benz AMG GT43$2,368-$202
8Lexus LS 500h$2,446-$124
9BMW 840i$2,514-$56
10Mercedes-Benz EQS 450$2,570--
11Infiniti Q60$2,584$14
12Mercedes-Benz S500$2,598$28
13Audi RS 7$2,654$84
14Mercedes-Benz EQS 580$2,666$96
15BMW 740i$2,796$226
16BMW M850i$2,832$262
17Mercedes-Benz AMG EQS$2,852$282
18Audi A8$2,886$316
19Audi S8$2,902$332
20Porsche Panamera$2,946$376
21BMW 760i$2,978$408
22Mercedes-Benz S580$3,046$476
23BMW Alpina B8$3,234$664
24BMW M760i$3,336$766
25Mercedes-Benz Maybach S580$3,436$866
26Mercedes-Benz Maybach S680$3,666$1,096

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Mercedes-Benz EQS 450 Insurance Cost Comparison