Which brand has higher insurance rates, Audi or Mercedes?

which have higher insurance rates audi or mercedes

Mercedes and Audi are some of the most revered luxury car brands on the market. However, both of these car brands attract high insurance premiums compared to other car brands.

Mercedes attracts slightly higher insurance premiums than Audi. But when you compare both of their insurance rates to the value of the vehicle, you will find that Mercedes is somewhat cheaper overall. Both of these luxury car brands attract high insurance premiums, which tend to vary according to car make and model.

Sports cars are more expensive to insure

The sports models from Audi and Mercedes have the highest insurance prices because of their high initial price. Additionally, these models have a high tendency to be involved in accidents, which also contributes to the high insurance rates. Finally, the repair and maintenance costs of such models are also on the high end.

Apart from sports cars such as Audi R8 and Mercedes AMG GT R commanding high insurance rates, other high-end vehicles such as the Mercedes-Benz S-Class and Audi A8 also attract high insurance prices. This is because of their high initial cost and expensive repairs.

Mercedes are cheaper to insure compared to their value

Mercedes insurance rates may seem higher than Audi, but if you take a closer look, you will find that Mercedes are actually cheaper to insure when compared to their value. For instance, if you buy a Mercedes sedan that costs around $55,000 and an Audi sedan that costs around $35,000, they will have almost the same insurance rates.

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An insurer may charge you about $2,000 annually to insure your Audi sedan, and $2,300 annually to insure your Mercedes sedan. When you consider the initial prices of both of these brands, you will find that Mercedes is slightly cheaper.

What makes Mercedes be cheaper than Audi is the highly advanced safety features that it’s fitted with. Therefore, even though the initial price of Mercedes cars is high, the insurance premiums are somehow lower when compared to the same models from Audi. In the event that your car gets totaled, the payout you receive from Mercedes will be much higher.

Which Mercedes models are expensive to insure?

Before buying a Mercedes-Benz car of your choice, you need to find out how much you will pay for insurance coverage. Some Mercedes models attract higher insurance costs than others. The average cost for insuring a Mercedes-Benz is $2,300. This can shoot up or drop, depending on the model.

The most expensive Mercedes models are Mercedes-Maybach S 560, S-Class sedan S 450, S-Class coupe S 560, Mercedes-AMG GT coupe, Mercedes-AMG GT 53 4-door coupe, Mercedes-AMG S 65, and Mercedes-AMG GT R. Most of these Mercedes models’ insurance costs more than $3,000, which is way above the Mercedes average.

Which Mercedes models are cheaper to insure?

If you don’t have money to pay high insurance prices, but still want a luxury car model from Mercedes, there are lots of options for you. Some of the Mercedes models with the lowest insurance premiums are the A-Class sedan, C-Class sedan, E-Class sedan, and CLA coupe CLA 250.

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Which Audi models are expensive to insure?

Audi luxury cars may be known for their high-tech and outstandingly performing vehicles, but this brand also attracts high insurance premiums. Even though Audi insurance premiums are lower than those of Mercedes-Benz, they are slightly higher than the market average.

The average cost of insuring an Audi is $2,000 per year. However, it can go higher or lower depending on several factors. The most expensive Audi models to ensure include Audi R8, Audi S8 L Quattro, SQ5, TTS, Q7, and A4.

Which Audi models are cheaper to insure?

There are also some exceptional Audi models that command lower insurance premiums. Most of these models are cheaper and reliable. They include Audi S5, A5, A7, TT, TTS, SQ5, and S3. However, these models are still expensive to insure when compared to standard car brands such as Toyota, Nissan, and Honda.

Good things to know about car insurance

Which Mercedes model is the most expensive to insure and why?

The Mercedes AMG GT R is the most expensive Mercedes to insure. This model is not only luxurious, but sporty as well, making it attract high insurance premiums. The cost of maintenance and repairs is also high, which pushes the insurance rates to be even higher. It may cost you at least $4,000 to insure this car.

Which Audi model is the most expensive to insure and why?

The Audi R8 is the most expensive Audi to insure. This two-seater sports car has an asking price of around $164,000. With such a high initial cost, expect the insurance prices to be over the roof. You may have to pay around $3,800 to insure your Audi R8.

Are older Mercedes-Benz and Audi vehicles cheaper to insure?

Yes, they are. Older cars are cheaper to insure because they are less valuable than newer cars. Therefore, an insurer will give lower premiums because they don’t have to pay much when there is a total loss. Nonetheless, the cost of insuring a luxury car such as Mercedes or Audi is higher than an old Toyota car.

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Which brand is better – Mercedes or Audi?

Both of these brands offer some of the most luxurious and high-performing vehicles. If you want a prestigious, luxurious, reliable, and durable vehicle, Mercedes is the best choice. But if you want a car with better handling and performance, Audi has the edge.

What factors affect insurance premiums?

Before you purchase a new car, you should also factor in the insurance cost. Note that the higher the initial price of a car the more expensive the premium will be. As a result, if you go for high-end luxury vehicles such as Mercedes and Audi, you should expect to pay higher insurance premiums.

Aside from the type of car, you’re buying, other factors to consider are the safety rating of your car, location, your age, driving habits, limits, and deductibles you select. All of these factors will determine your overall insurance price. You may own the same car as your friend, but the insurance rate may vary with regard to these factors. 

Bottom line

Overall, Mercedes has higher insurance rates than Audi. But if you want a luxury brand with the best insurance rates according to value, then Mercedes has an edge over Audi. Thanks to its safety features such as the PRE-SAFE technology that lowers insurance rates.

which have higher insurance rates audi or mercedes

Edwin Odipo

Why do you love writing about cars? Cars make our lives easy. You can visit your distant friend, relative or even rush to the grocery store a few miles from your home with a lot of ease. Imagine how life was before the invention of cars?? To me, cars are a blessing that made life more convenient.

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