- Car insurance rates for a 2022 Mercedes-Benz EQS 450 average $2,282 per year or around $190 per month, but can vary significantly based on the trim level.
- Out of 25 models in the large luxury car segment, the EQS 450 ranks #10 for insurance cost.
- The EQS 450 Premium Sedan model is the cheapest to insure at around $2,250 per year. The most expensive trim is the Pinnacle Sedan at $2,314 per year.
How much does Mercedes-Benz EQS 450 insurance cost?
An average driver will pay an estimated $2,282 yearly to insure a Mercedes-Benz EQS 450. With MSRPs ranging from $102,310 to $108,510 for the 2022 model, monthly insurance rates range from $188 to $193.
The following chart details average annual car insurance cost on a 2022 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 2022.
| Mercedes-Benz EQS 450 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Premium Sedan | $2,250 | $1,125 | $188 |
| Exclusive Sedan | $2,284 | $1,142 | $190 |
| Pinnacle Sedan | $2,314 | $1,157 | $193 |
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 $7,902 per year for a 16-year-old driver, $7,476 per year for a 17-year-old driver, $7,018 per year for a 18-year-old driver, and $6,410 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 $68 and $158 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 $358 per year over a lower credit rating of 670-739. Conversely, poor credit could cost around $415 more per year.
- Lower the cost of your policy by increasing deductibles. Increasing deductibles from $500 to $1,000 could save around $400 per year for a 40-year-old driver and $790 per year for a 20-year-old driver.
- Low deductibles will increase rates. Decreasing your deductibles from $500 to $250 could cost an additional $420 per year for a 40-year-old driver and $836 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 $386 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 $3,518 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 $3,184 per year for a 20-year-old driver and even $668 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 $506 more per year than the Audi A5, $238 less than the BMW 740i, and $352 less than the Porsche Panamera.
The EQS 450 ranks #10 out of 25 total vehicles in the 2022 large luxury car category for insurance affordability. The EQS 450 averages $2,282 per year for full coverage car insurance, while the segment average is $2,392, a difference of $110 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/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Audi A5 | $1,776 | -$506 |
| 2 | Volvo S90 | $1,960 | -$322 |
| 3 | Lexus LS 500 | $2,034 | -$248 |
| 4 | Mercedes-Benz AMG E53 | $2,068 | -$214 |
| 5 | Genesis G90 | $2,070 | -$212 |
| 6 | Mercedes-Benz AMG GT43 | $2,116 | -$166 |
| 7 | Lexus LS 500h | $2,178 | -$104 |
| 8 | BMW 840i | $2,190 | -$92 |
| 9 | BMW 745e | $2,230 | -$52 |
| 10 | Mercedes-Benz EQS 450 | $2,282 | -- |
| 11 | Infiniti Q60 | $2,290 | $8 |
| 12 | Mercedes-Benz S500 | $2,318 | $36 |
| 13 | Audi RS 7 | $2,324 | $42 |
| 14 | Mercedes-Benz EQS 580 | $2,342 | $60 |
| 15 | BMW M850i | $2,496 | $214 |
| 16 | Mercedes-Benz S580 | $2,500 | $218 |
| 17 | BMW 740i | $2,520 | $238 |
| 18 | Audi S8 | $2,558 | $276 |
| 19 | BMW 750i | $2,580 | $298 |
| 20 | Audi A8 | $2,588 | $306 |
| 21 | Porsche Panamera | $2,634 | $352 |
| 22 | Mercedes-Benz S560 | $2,750 | $468 |
| 23 | BMW Alpina B8 | $2,886 | $604 |
| 24 | BMW M760i | $2,978 | $696 |
| 25 | Mercedes-Benz Maybach S580 | $3,132 | $850 |
