What to Expect When Insuring a Mercedes-Benz EQS 580 in 2025

How much does Mercedes-Benz EQS 580 insurance cost?

We analyzed rate quotes from the 4Matic Premium Sedan model up to the pricier 4Matic Pinnacle Sedan trim level to find out how insurance rates for the EQS 580 rank when compared to the entire large luxury car segment.

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  • Mercedes-Benz EQS 580 insurance rates cost $4,230 per year on average, or about $353 per month, for a policy with full coverage.
  • The cheapest EQS 580 to insure is the 4Matic Premium Sedan model at an estimated $4,174 per year. The most expensive is the 4Matic Pinnacle Sedan at $4,276 annually.
  • Out of 24 other vehicles in the large luxury car segment, the EQS 580 ranks 20th for insurance cost.

How much does Mercedes-Benz EQS 580 insurance cost?

Ranked 20th out of 24 vehicles in the large luxury car class, Mercedes-Benz EQS 580 insurance rates average $4,230 per year. Average monthly insurance cost ranges from $348 to $356, depending on the trim level being insured.

The 4Matic Premium Sedan trim (MSRP of $128,500) is the cheapest model to insure, while the more expensive 4Matic Pinnacle Sedan model (MSRP of $134,000) costs the most to insure.

With the average large luxury car costing $3,748 a year to insure, the Mercedes-Benz EQS 580 costs an average of $482 more every 12 months.

The cost summary chart below breaks down a summary of car insurance rates for an EQS 580 using a range of policy scenarios.

Average 2024 Mercedes-Benz EQS 580 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Mercedes-Benz EQS 580 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Mercedes-Benz EQS 580 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 which vary by company. Comprehensive and collision 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 580 trim levels.

2024 Mercedes-Benz EQS 580 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$9,610$801
Safe Driver Age 20$8,454$705
Low Deductibles Age 40$5,876$490
At-fault Accidents Age 40$5,856$488
Safe Driver Age 30$4,564$380
Safe Driver Age 40$4,230$353
Safe Driver Age 50$3,690$308
Discount Rate Age 40$3,516$293
Safe Driver Age 60$3,458$288
High Deductibles Age 40$3,388$282

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Mercedes-Benz EQS 580 trim levels. Updated June 27, 2025

The next table displays the estimated yearly and semi-annual policy costs, in addition to a monthly amount for budgeting, for each Mercedes-Benz EQS 580 package and trim level.

2024 Mercedes-Benz EQS 580 Insurance Rates by Trim Level
2024 Mercedes-Benz EQS 580 Trim Level Annual Premium Cost Per Month
4Matic Premium Sedan$4,174$348
4Matic Exclusive Sedan$4,238$353
4Matic Pinnacle Sedan$4,276$356

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

Insurance cost by trim level for a 2024 Mercedes-Benz EQS 580 ranging from the 4Matic Premium Sedan model at $4,174 per year to the 4Matic Pinnacle Sedan model at $4,276
Insurance cost by trim level for a 2024 Mercedes-Benz EQS 580 ranging from the 4Matic Premium Sedan model at $4,174 per year to the 4Matic Pinnacle Sedan model at $4,276

How do Mercedes EQS 580 car insurance rates compare?

When compared to other large luxury cars, insurance rates for a Mercedes-Benz EQS 580 cost $1,448 more per year than the Audi A5, $436 more than the BMW 740i, and $436 less than the Porsche Panamera.

The table below ranks all 24 vehicles in the 2024 large luxury sedan segment, with the EQS 580 highlighted and ranked at classrank nicemm=”Mercedes-Benz EQS 580″].

Mercedes-Benz EQS 580 Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$1,448
2Volvo S90$2,870-$1,360
3Genesis G90$3,076-$1,154
4Mercedes-Benz AMG E53$3,088-$1,142
5Mercedes-Benz EQS 450$3,122-$1,108
6Lexus LS 500$3,220-$1,010
7Lexus LS 500h$3,262-$968
8BMW 840i$3,354-$876
9BMW i7$3,402-$828
10Audi RS 7$3,524-$706
11BMW M850i$3,780-$450
12BMW 740i$3,794-$436
13BMW 750e$3,806-$424
14Mercedes-Benz AMG GT43$3,832-$398
15Audi S8$3,878-$352
16Mercedes-Benz S500$3,972-$258
17Audi A8$3,982-$248
18BMW 760i$4,008-$222
19Mercedes-Benz S580$4,162-$68
20Mercedes-Benz EQS 580$4,230--
21Mercedes-Benz Maybach S580$4,598$368
22Mercedes-Benz AMG EQS$4,642$412
23Porsche Panamera$4,666$436
24Mercedes-Benz Maybach S680$4,906$676

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 $4,230 per year, insurance cost for a 2024 Mercedes-Benz EQS 580 ranks 20th out of 24 models in the large luxury car segment
At $4,230 per year, insurance cost for a 2024 Mercedes-Benz EQS 580 ranks 20th out of 24 models in the large luxury car segment

Additional rates and information

Car insurance rates are determined by many factors, some of which we discussed in the data above like driver age, risk profile, and vehicle trim level. The list below details some additional factors that can impact rates, along with some ways to reduce the cost.

  • Avoid driving violations to reduce policy cost. If you want to pay the best EQS 580 insurance rates, it pays to drive conservatively. A few moving violations have the consequences of raising insurance cost by up to $1,076 per year.
  • Earn discounts to save money. Discounts may be available if the insureds are senior citizens, choose electronic billing, are accident-free, are claim-free, are good students, or many other discounts which could save the average driver as much as $714 per year on the cost of insuring an EQS 580.
  • Teen drivers cost a lot to insure. Average rates for full coverage EQS 580 insurance costs $14,194 per year for a 16-year-old driver, $14,006 per year for a 17-year-old driver, $13,039 per year for an 18-year-old driver, and $11,704 per year for a 19-year-old driver.
  • Earn a discount from your occupation. The vast majority of insurance companies offer discounts for having a job in professions like doctors, nurses, engineers, high school and elementary teachers, college professors, lawyers, and others. By earning this discount, you may save between $127 and $228 on your annual EQS 580 insurance cost, depending on your policy.
  • Age and gender affect car insurance rates. For a 2024 Mercedes-Benz EQS 580, a 20-year-old male will have an average rate of $8,454 per year, while a 20-year-old female pays an average of $6,028, a difference of $2,426 per year in favor of the women by a long shot. But by age 50, male rates are $3,690 and female rates are $3,624, a difference of only $66.
  • Higher physical damage deductibles lower policy cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $842 per year for a 40-year-old driver and $1,656 per year for a 20-year-old driver.
  • Choosing a low deductible may not make good financial sense. Lowering deductibles from $500 to $250 could cost an additional $878 per year for a 40-year-old driver and $1,756 per year for a 20-year-old driver.