Audi vs. Mercedes Auto Insurance (2024)
The Audi A5 costs on average $134.42/mo. to insure yearly, while the Mercedes C Class runs around $138.25/mo. Be sure to compare rates for the best Audi or Mercedes insurance.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Jun 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- There are many things to consider when you’re shopping for a new car including its design, capabilities, and cost of insurance
- Audi has been in business for over a century and is headquartered in Ingolstadt, Germany
- Mercedes-Benz is another long-standing, auto manufacturer, which began operating in 1886
Audi and Mercedes-Benz have been producing stylish-looking vehicles for decades that are famous for their engineering and reliability. If you’re in the market for an Audi or Mercedes, then you may also be wondering which manufacturer gets the best auto insurance rates before you make your decision!
There are many things to consider when you’re shopping for a new type of vehicle including its design, capabilities, and average rate of insurance. Depending on your circumstances and personality, however, certain vehicles may be better suited for you than others.
Due to the fact both Audi and Mercedes vehicles come in various styles, your insurance rates will depend on the car you buy as well as your own personal circumstances.
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Audi
Audi has been in business for over a century and is headquartered in Ingolstadt, Germany. The company’s majority owner is Volkswagen AG, which is another multinational auto manufacturer.
Audi’s German motto is “Vorsprung durch Technik” which, according to the company’s official website, translates into “advancement through technology”.
Today, Audi continues to build several different types of vehicles, which in turn, come in various types of colors and designs. Some of Audi’s current models include the smaller, A-1 Sportback, the stylish S4 Sedan, the Q7 sport utility vehicle, and the high-performance R8 GT Spyder.
Finding cheap Audi insurance can be crucial. Audis are known for being luxury vehicles, but that can come with higher insurance premiums. There are different methods to finding affordable Audi insurance such as bundling policies and looking for discounts.
When looking for the cheapest Audi insurance keep in mind that coverage shouldn’t be compromised. With minimum liability requirements, you might get the cheapest Audi insurance, but it doesn’t provide comprehensive and collision coverage.
The Audi insurance cost depends on the model and year of the car, the age of the driver, driving history, and location. Audi car insurance cost is affected by the model, year, and features of the vehicle. These things can influence the Audi car insurance price. Audi insurance cost is more expensive for cars featuring advanced technology. The cheapest Audi to insure would be a vehicle that has lower repair and replacement costs.
Newer, expensive models have higher premiums. Make sure your car insurance for an Audi quote includes specific details about yourself and your vehicle to ensure the insurance policy meets your budget and coverage needs.
Insuring an Audi can be manageable. Higher deductibles can reduce monthly rates, but it means paying more out of pocket. It’s best to explore all options and read more than just one Audi insurance review when searching for auto insurance for an Audi. To insure with Audi, thorough research is necessary to make an informed decision about Audi auto insurance.
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Mercedes
Mercedes-Benz is another long-standing auto manufacturer, which began operating in 1886. Although it is headquartered in Stuttgart, Germany, Mercedes has grown into an internationally recognized brand.
Mercedes is a division of Daimler AG, which is a multinational corporation.
Mercedes is also famous for its technological innovations and the company has had numerous successes in automotive racing.
Like Audi, Mercedes continues to build a wide variety of automobiles for different lifestyles, including sedans, coupes, SUVs, and crossovers.
Some of the current Mercedes models include the flashy SLS AMG, the classy-looking C-Class Sedan, and the spacious GL-Class SUV.
The search for cheap Mercedes insurance can be difficult because it’s not uncommon to see higher insurance costs. The most efficient way to locate affordable Mercedes insurance is by comparing rates from different insurers. The cheapest Mercedes insurance is typically liability insurance.
Quotes for car insurance for Mercedes are tailored to the individual’s circumstances by the insurance agencies. Mercedes insurance cost depends on whether or not you are looking for liability or full coverage insurance policies. The cheapest Mercedes insurance rates provide insufficient coverage for those looking for complete coverage. Full coverage insurance is necessary for drivers who want their Mercedes to be protected.
Insuring a Mercedes doesn’t have to be an expensive process. When shopping for auto insurance for a Mercedes, it’s useful to research Mercedes car insurance reviews for mentions of specific insurance tips. To insure a Mercedes efficiently, reference a Mercedes car insurance review for your specific vehicle model.
Comparing Insurance for Audi vs Mercedes
When insurance providers determine what to charge a customer, the car they’re insuring is just one of the factors. As a result, what one person pays to insure their Mercedes B-Class Sports Tourer, may be significantly different from what another driver is charged to cover the exact same car.
What one driver pays to insure an Audi coupe, could be very different from what another pays to cover a Mercedes Benz with a very similar design and price tag.
In other words, when you compare insurance prices of Audi and Mercedes vehicles, it’s important to remember that your own situation and driving history will affect your average cost.
For example, according to Automobile Magazine, the 2012 Audi A5 Premium Coupe and 2012 Mercedes-Benz C-Class Coupe will cost the average person nearly the same amount of money to insure.
The Audi A5 costs on average $1,613 to insure for the year, while the Mercedes C Class runs $1,659. Although the cars have relatively similar designs, sale price and average insurance costs, your premiums could be more or less than most owners.
Valuable cars not only cost much more to repair, but they are more likely to be stolen. As a result, insurance providers charge more upfront to protect themselves from costly damages they may have to pay.
Case in point, the high performance, 2012 R8 GT Convertible Spyder, has a whopping price tag of just over $200,000. As a result, it costs on average $4,620 dollars per year to insure, according to Automobile Magazine.
One of the pricier Mercedes-Benz is the company’s SLS AMG Roadster, which costs nearly $200,000. Accordingly, the powerful and flashy car costs a steep $4,471 on average to insure for the year.
Your Car’s Safety Features
A good way to lower your insurance costs is to buy an Audi or Mercedes that has received great safety ratings. If an insurance company sees that a vehicle is involved in serious accidents often, then it will charge more to insure it.
Cars that have modern safety features and hold up well in accidents are better at preventing serious injuries that cost providers lots of money.
You can find out more information about the safety features of each Mercedes and Audi model by referring to the companies’ official websites. Organizations like the Insurance Institute for Highway Safety (IIHS) also provide info about how each vehicle ranks in terms of safety.
For example, according to the IIHS, from 2009 through 2012, the Audi A4 Sedan has received a “good” rating for moderate overlap front, side, rollover, and rear impact tests. The A4 received a “poor” score, however, for its small overlap front test.
The Mercedes C-Class series has also scored well on impact tests from the IIHS. From 2009 until 2012 the car has also received a “good” rating for moderate overlap front, side, rollover and rear impact tests. The C-Class also earned a “poor” rating on the small overlap front test.
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Types of Coverage
The amount you pay to insure your Audi or Mercedes also depends greatly on how much coverage you buy. Due to the significant value of new Audis and Mercedes, however, you should consider buying a good amount of insurance. Here are a few types to consider:
- Liability insurance – Virtually every state requires drivers by law to purchase liability coverage. This will help pay for the damages you cause to another driver or person’s property in an accident. Serious car crashes can result in thousands of damages, so having a good amount of liability coverage is important.
- Collision insurance – will help cover the repairs your Audi or Mercedes needs if you’re responsible for a crash. Due to the car’s aforementioned value and engineering, repairs could be pricey, so you’ll be glad you happy you bought it.
- Comprehensive insurance – helps pay for the repairs your car needs if it is involved in an incident not involving a motorist. Acts of vandalism and theft are covered by comprehensive insurance, and because Audi and Mercedes are highly sought after by thieves, buying this type of coverage is a must.
If you own a really old and less valuable Audi or Mercedes, however, you may not need collision or comprehensive insurance. Depending on the car, repairing an older model may not be that expensive.
Before you buy insurance for your Audi or Mercedes, carefully consider how much you’re driving and where. Remember, the more your car is on the road and around other vehicles, the more likely an accident is. Mercedes and Audi car insurance rates are lower for drivers who use their vehicles for pleasure rather than commute.
Your Personal Circumstances
Aside from the car itself, and how much coverage you want for your Audi car insurance or your Mercedes car insurance, your personal circumstances have a big effect on your insurance premiums. If you’ve caused accidents in the past, then insurance providers will charge you more.
Alternatively, if you’ve been caught speeding quite a few times, a company will raise your rates. Providers offer lower prices to safe drivers with a clean driving record that haven’t filed many insurance claims.
A good way to demonstrate that you’re a responsible driver is to take driving lessons. If you haven’t completed driving-related courses then you should consider doing so. Most companies offer discounted rates to people who have completed driver’s lessons.
You’ll probably pay less for your Mercedes or Audi insurance if you have a good credit rating.
Although someone could be an excellent driver, if they’ve had financial troubles in the past, then an insurance company may be concerned about getting their money on time. As a result, they will charge more to insure the car.
Your Insurance Provider
A great way to lower your insurance rates is to shop around and compare auto insurance companies. First, it is a good idea to do some research online and see which companies have received good reviews from their customers.
Once you’ve decided on a couple of reputable companies it’s time to shop for quotes.
One of the best ways to do this is to use a website that specializes in comparing average car insurance rate quotes. Once you’ve provided some general info the site will deliver you estimates from the major providers you’re interested in.
You can even take the best insurance rate quote to another company and see if they will match or beat it!
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Ask for a Discount
It never hurts to ask for a discount, in fact, you could save some big money on your Mercedes and Audi insurance by doing so! Many providers offer a discount on their insurance rate to people with great credit ratings and driving records. If you’re an Armed Forces vet, senior citizen, or good student, you may also qualify for a discount on your insurance policies.
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Frequently Asked Questions
Is Audi or Mercedes more expensive to insure?
The cost of auto insurance depends on various factors, including the make and model of the vehicle. Both Audi and Mercedes are luxury brands, which generally leads to higher insurance premiums compared to non-luxury vehicles. However, the specific insurance rates can vary based on factors such as the vehicle’s value, repair costs, safety features, and the driver’s profile.
Which is more reliable, Mercedes or Audi?
Luxury vehicles, including Audi and Mercedes, can be attractive targets for thieves. However, the likelihood of theft can vary depending on the specific model and location. Certain Audi and Mercedes models may have higher theft rates than others, which can impact insurance premiums. It’s always a good idea to check with your insurance provider for specific information on theft rates and related premiums when deciding between Audi versus Mercedes.
Which is easier to maintain Audi or Mercedes?
Repair costs can influence insurance premiums. Both Audi and Mercedes vehicles often have higher repair costs compared to non-luxury vehicles due to their advanced technology, premium materials, and specialized parts. When it comes to Audi vs Mercedes maintenance cost, the repair costs can vary depending on the model, age, and availability of parts. It is advisable to consider these factors when choosing auto insurance coverage.
Do Audi or Mercedes vehicles have better safety features?
Both Audi and Mercedes vehicles generally offer a range of advanced safety features. However, the specific safety features can vary between models and model years. When considering auto insurance, having robust safety features, such as collision avoidance systems and adaptive cruise control, can potentially lead to lower premiums due to reduced accident risks.
Which is cheaper Mercedes or Audi?
Comparing between Mercedes vs Audi insurance rates is challenging without considering specific models, driver profiles, and location. Insurance rates can vary significantly based on these factors and the insurance provider’s criteria. It is recommended to obtain quotes from multiple insurance companies for both brands and compare them to determine which may offer more competitive rates for your specific situation. When it comes to Mercedes vs Audi maintenance cost, it depends on the individual vehicle’s make and model.
Are Audis expensive to insure?
Auto insurance for Audi can be expensive depending on the model and year of the vehicle. Finding a balance between cost and coverage for your Audi insurance is ideal. Audi car insurance reviews show that the Audi R8 insurance price is more expensive than models such as the Audi A3 and Q3. Full coverage, regardless of year or model, means a higher Audi car insurance price, however, affordable Audi insurance should not sacrifice quality of service. Obtaining the best auto insurance for Audi vehicles requires careful consideration.
Which Mercedes is the cheapest to insure?
Auto insurance for Mercedes is relies heavily on which model you have. Typically, base models are cheaper to insure. Mercedes auto insurance is usually cheaper on the A-Class, CLA-Class, GLA-Class, and C-Class models.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.