Mercedes-Benz S65 AMG Car Insurance Comparison: 2025 Edition

How much does Mercedes S65 AMG car insurance cost? We break down insurance rates from the base S65 AMG Sedan up to the Convertible trim to find out how insurance costs measure up to the rest of the large luxury car segment.

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  • Mercedes-Benz S65 AMG car insurance costs $4,972 per year (about $414 per month) on average for a full coverage policy, but can vary significantly based on driver age.
  • Ranked 30th out of 31 other models in the 2019 large luxury car class, car insurance rates for the Mercedes-Benz S65 AMG cost $1,991 more per year than the average cost for the segment.
  • The S65 AMG Sedan trim level is the cheapest to insure at around $4,784 per year. The most expensive trim is the Convertible at $5,124 per year.

How much does Mercedes S65 AMG insurance cost?

Ranked 30th out of 31 vehicles in the large luxury car class, Mercedes-Benz S65 AMG insurance averages around $4,972 yearly, or $414 monthly. With the average large luxury car costing $2,981 a year to insure, the Mercedes-Benz S65 AMG could possibly cost around $1,991 or more each year.

The rate summary chart below details how Mercedes S65 AMG insurance cost adjusts with a variety of driver ages and insurance policy deductibles.

Average 2019 Mercedes-Benz S65 AMG car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2019 Mercedes-Benz S65 AMG car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2019 model year Mercedes-Benz S65 AMG. 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.

2019 Mercedes-Benz S65 AMG Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$8,222$685
$500$10,166$847
$250$12,238$1,020
30-Year-Old$1,000$4,306$359
$500$5,356$446
$250$6,458$538
40-Year-Old$1,000$4,008$334
$500$4,972$414
$250$5,986$499
50-Year-Old$1,000$3,500$292
$500$4,332$361
$250$5,204$434
60-Year-Old$1,000$3,288$274
$500$4,070$339
$250$4,890$408

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 2019 Mercedes-Benz S65 AMG. Updated June 27, 2025

The next table shows the average yearly and 6-month policy costs, in addition to a monthly budget amount, for each Mercedes-Benz S65 AMG package and trim level.

2019 Mercedes-Benz S65 AMG Insurance Rates by Trim Level
2019 Mercedes-Benz S65 AMG Trim Level Annual Premium Cost Per Month
Sedan$4,784$399
Coupe$5,006$417
Convertible$5,124$427

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 2019 Mercedes-Benz S65 AMG ranging from the Sedan model at $4,784 per year to the Convertible model at $5,124
Insurance cost by trim level for a 2019 Mercedes-Benz S65 AMG ranging from the Sedan model at $4,784 per year to the Convertible model at $5,124

The rate table below details average car insurance cost for a Mercedes S65 AMG from the 2013 to the 2019 model years and for various driver ages.

Mercedes-Benz S65 AMG Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2019 Mercedes-Benz S65 AMG$10,166$4,972$4,070
2018 Mercedes-Benz S65 AMG$9,016$4,432$3,632
2017 Mercedes-Benz S65 AMG$8,588$4,228$3,466
2016 Mercedes-Benz S65 AMG$7,906$3,910$3,206
2015 Mercedes-Benz S65 AMG$7,394$3,660$3,004
2013 Mercedes-Benz S65 AMG$6,244$3,112$2,562

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 S65 AMG trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2019 Mercedes-Benz S65 AMG models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2019 Mercedes-Benz S65 AMG models for drivers age 20, 40 and 60

Other S65 AMG car insurance rates

Some additional noteworthy observations about Mercedes-Benz S65 AMG insurance cost include:

  • Mercedes-Benz S65 AMG insurance rates for teens are expensive. Average rates for full coverage S65 AMG insurance costs $17,312 per year for a 16-year-old driver, $17,055 per year for a 17-year-old driver, $15,801 per year for an 18-year-old driver, and $14,158 per year for a 19-year-old driver.
  • Your choice of occupation could save you a few bucks. Many car insurance companies offer policy discounts for being employed in occupations like architects, nurses, emergency medical technicians, lawyers, police officers and law enforcement, and other. By earning this discount, you could save between $149 and $202 on your Mercedes-Benz S65 AMG insurance bill.
  • The higher deductible you choose, the lower the policy cost. Raising deductibles from $500 to $1,000 could save around $964 per year for a 40-year-old driver and $1,944 per year for a 20-year-old driver.
  • Decreasing deductibles will cost more. Decreasing deductibles from $500 to $250 could cost an additional $1,014 per year for a 40-year-old driver and $2,072 per year for a 20-year-old driver.
  • As you get older, car insurance rates tend to be cheaper. The difference in Mercedes-Benz S65 AMG insurance cost between a 50-year-old driver ($4,332 per year) and a 30-year-old driver ($5,356 per year) is $1,024, or a savings of 21.1%.
  • Safe drivers have cheaper S65 AMG insurance. Too many at-fault accidents will increase rates, potentially by an extra $2,396 per year for a 30-year-old driver and even as much as $1,110 per year for a 60-year-old driver.

Is S65 AMG insurance expensive?

When compared side-by-side to other vehicles in the large luxury car segment, auto insurance rates for a Mercedes-Benz S65 AMG cost $2,806 more per year than the Audi A5, $1,996 more than the BMW 740i, and $2,714 more than the Cadillac XTS.

The Mercedes S65 AMG ranks 30th out of 31 comparison vehicles in the large luxury car segment for most affordable car insurance rates. The S65 AMG costs an average of $4,972 per year to insure for full coverage, while the category average auto insurance cost is $2,981 annually, a difference of $1,991 per year.

The following chart shows how well S65 AMG insurance rates compare to the top 10 selling large luxury cars like the Cadillac CT6, Lincoln Continental, and the Porsche Panamera. A more complete table is added following the chart that shows insurance rate rankings for the entire 2019 large luxury car class.

Average 2019 Mercedes-Benz S65 AMG car insurance premium compared to other large luxury car models.
Figure 2: Average 2019 Mercedes-Benz S65 AMG car insurance premium compared to other large luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2019 model year Mercedes-Benz S65 AMG. 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 S65 AMG trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Mercedes-Benz S65 AMG Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124-$2,848
2Lincoln Continental$2,156-$2,816
3Audi A5$2,166-$2,806
4Cadillac CT6$2,220-$2,752
5Cadillac XTS$2,258-$2,714
6Volvo S90$2,358-$2,614
7Infiniti Q70$2,436-$2,536
8Acura RLX$2,512-$2,460
9Infiniti Q60$2,614-$2,358
10Lexus LS 500$2,644-$2,328
11Lexus LS 500H$2,654-$2,318
12Mercedes-Benz AMG E53$2,664-$2,308
13Genesis G90$2,744-$2,228
14Kia K900$2,784-$2,188
15Mercedes-Benz AMG CLS53$2,796-$2,176
16Cadillac CTS-V$2,810-$2,162
17Mercedes-Benz S450$2,854-$2,118
18Jaguar XJ$2,870-$2,102
19BMW 740e$2,956-$2,016
20BMW 740i$2,976-$1,996
21BMW 650i$3,002-$1,970
22BMW M850i$3,010-$1,962
23Mercedes-Benz E63 AMG$3,210-$1,762
24Audi A8$3,218-$1,754
25Mercedes-Benz S560$3,228-$1,744
26BMW 750i$3,234-$1,738
27Porsche Panamera$3,394-$1,578
28BMW M760i$3,870-$1,102
29Mercedes-Benz AMG S63$3,958-$1,014
30Mercedes-Benz S65 AMG$4,972--
31Bentley Mulsanne$5,734$762

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 2019 model year. Updated June 27, 2025