Insurance on a Mercedes-Benz S560: How Much You Can Expect to Pay

How much are Mercedes S560 car insurance rates? We analyzed rates from the base S560 sedan up to the convertible trim level to discover how insurance prices rank against the large luxury car segment.

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  • Mercedes S560 car insurance rates average $3,888 per year (about $324 per month) for full coverage.
  • Insurance rates on a S560 range from $3,842 to $3,934 per year for the average driver, depending on trim level.
  • Ranked 22nd out of 25 vehicles in the large luxury car segment, average car insurance rates for the Mercedes-Benz S560 cost $508 more per year than the segment average.

How much does Mercedes S560 insurance cost?

Expect to pay an average of $3,888 per year to insure a 2022 Mercedes-Benz S560 for full coverage, or around $324 a month. If analyzed by type of coverage, comprehensive (or other-than-collision) coverage is around $1,006 a year, collision coverage is an estimated $2,166, and the remaining liability and medical coverage will cost about $716.

The bar chart below details how average Mercedes-Benz S560 auto insurance rates can change with differences in driver age and different policy deductibles.

Average 2022 Mercedes-Benz S560 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2022 Mercedes-Benz S560 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2022 model year Mercedes-Benz S560. 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.

2022 Mercedes-Benz S560 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$6,454$538
$500$7,880$657
$250$9,398$783
30-Year-Old$1,000$3,394$283
$500$4,176$348
$250$4,992$416
40-Year-Old$1,000$3,170$264
$500$3,888$324
$250$4,640$387
50-Year-Old$1,000$2,784$232
$500$3,402$284
$250$4,050$338
60-Year-Old$1,000$2,612$218
$500$3,192$266
$250$3,800$317

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 2022 Mercedes-Benz S560. Updated June 26, 2025

The rate table below illustrates average Mercedes S560 car insurance policy premiums for the 2018 to 2022 model years.

Mercedes-Benz S560 Insurance Cost for 2018-2022 Models
Model Year and Vehicle Annual Premium Cost Per Month
2022 Mercedes-Benz S560$3,888$324
2021 Mercedes-Benz S560$3,738$312
2020 Mercedes-Benz S560$3,614$301
2019 Mercedes-Benz S560$3,228$269
2018 Mercedes-Benz S560$2,832$236

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 Mercedes-Benz S560 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2018 to 2024 Mercedes-Benz S560 models
Average annual premium and cost per month to insure 2018 to 2024 Mercedes-Benz S560 models

The next table details the average annual and semi-annual policy costs, including a monthly amount for budgeting, for each Mercedes-Benz S560 package and trim level.

2022 Mercedes-Benz S560 Insurance Rates by Trim Level
2022 Mercedes-Benz S560 Trim Level Annual Premium Cost Per Month
Convertible$3,842$320
Convertible AMG Line Exterior$3,876$323
4Matic Coupe$3,900$325
4Matic AMG Line Exterior$3,934$328

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 2022 Mercedes-Benz S560 ranging from the Convertible model at $3,842 per year to the 4Matic AMG Line Exterior model at $3,934
Insurance cost by trim level for a 2022 Mercedes-Benz S560 ranging from the Convertible model at $3,842 per year to the 4Matic AMG Line Exterior model at $3,934

Is Mercedes-Benz S560 insurance expensive?

When compared to other models in the large luxury car category, insurance for a Mercedes-Benz S560 costs $1,378 more per year than the Audi A5, $328 more than the BMW 740i, and $160 more than the Porsche Panamera.

The Mercedes S560 ranks 22nd out of 25 total vehicles in the large luxury car class for car insurance affordability. The S560 costs an average of $3,888 per year to insure for full coverage and the segment median rate is $3,380 annually, a difference of $508 per year.

The chart displayed below shows how the average car insurance rate for a Mercedes-Benz S560 compares to the top 10 best-selling large luxury cars like the Infiniti Q60, Audi A8, and the Genesis G90. A rate table with more models is included following the chart breaking down average rates for all 25 models in the large luxury car category.

Average 2022 Mercedes-Benz S560 car insurance premium compared to other large luxury car models.
Figure 2: Average 2022 Mercedes-Benz S560 car insurance premium compared to other large luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2022 model year Mercedes-Benz S560. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Mercedes-Benz S560 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Mercedes-Benz S560 Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,510-$1,378
2Volvo S90$2,768-$1,120
3Lexus LS 500$2,874-$1,014
4Mercedes-Benz AMG E53$2,922-$966
5Genesis G90$2,928-$960
6Mercedes-Benz AMG GT43$2,986-$902
7Lexus LS 500h$3,074-$814
8BMW 840i$3,094-$794
9BMW 745e$3,150-$738
10Mercedes-Benz EQS 450$3,226-$662
11Infiniti Q60$3,236-$652
12Mercedes-Benz S500$3,276-$612
13Audi RS 7$3,282-$606
14Mercedes-Benz EQS 580$3,306-$582
15BMW M850i$3,526-$362
16Mercedes-Benz S580$3,532-$356
17BMW 740i$3,560-$328
18Audi S8$3,612-$276
19BMW 750i$3,650-$238
20Audi A8$3,658-$230
21Porsche Panamera$3,728-$160
22Mercedes-Benz S560$3,888--
23BMW Alpina B8$4,080$192
24BMW M760i$4,212$324
25Mercedes-Benz Maybach S580$4,424$536

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 2022 model year. Updated June 27, 2025