Audi vs. Mercedes Auto Insurance (2024)

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!

You might have several questions such as are Audis expensive to insure? Are Mercedes expensive to insure? What is the best car insurance company for luxury cars? What are the cons of owning an Audi? What model year Mercedes is most reliable? We’ll cover information related to these questions as you try to determine which is more expensive, Audi or Mercedes.

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. For example, Audi A4 insurance rates will most likely differ from other models, even the Audi A5 insurance rates.

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Audi

So, are Audi cars expensive to insure? Let’s take a look. 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 which 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. So, for example, the 2009 Audi A4 insurance cost would be different from the 2012 Audi A4 insurance cost.

A variety of things can influence the Audi car insurance price. Full coverage Audi insurance is more expensive for cars featuring  advanced technology. The cheapest Audi to insure would be a vehicle that has lower repair and replacement costs. So don’t forget to factor in the Audi repair costs compared to average when looking for a new car.

Newer, expensive models have higher premiums. So if you’re looking at a brand new 2024 model, insurance on an Audi A4 may be different than the cost of Audi S4 insurance. 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.

But is Audi insurance expensive? 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 whether you are looking for insurance for Audi A5, Audi TTS car insurance, or Audi S4 car insurance.

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Mercedes

Now, you might ask, is Mercedes insurance expensive? 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. But exactly how much is insurance for a Mercedes? 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.

But why is insurance so high on a Mercedes-Benz? Typically it’s more expensive since you should purchase full coverage. Full coverage insurance is necessary for drivers who want their Mercedes to be protected, regardless of if you’re looking for Mercedes-Benz b-class car insurance, Mercedes-Benz GL-class car insurance, or Mercedes-Benz SLS AMG car insurance.

Some states have requirements regarding car insurance policies. Therefore, some drivers may legally have to purchase full coverage Mercedes insurance. Unfortunately, for those looking to save money, Mercedes liability insurance is cheaper than full coverage policies by the same insurers. The Mercedes-Benz insurance cost would be one answer to the question, what is the disadvantage of Mercedes?

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

So, is Mercedes or Audi more expensive? Well, the answer to is Audi or Mercedes more expensive really depends on different factors. 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.

Are coupes more expensive to insure? Well, 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. So your personal factors will highly impact the answers to questions like is insurance on an Audi expensive or is car insurance higher on a Mercedes?

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.

Why are Audis so expensive to insure? And why is Mercedes insurance expensive? The answer is simple. 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. That’s why it may important for you to compare the rates of Audi vs Mercedes reliability as well as the Audi vs Mercedes maintenance cost when looking to purchase a car.

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. These ratings will impact the Audi A4 insurance cost.

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. When you’re trying to figure out who typically has the cheapest car insurance, you need to make sure you do a Mercedes vs Audi maintenance cost comparison to help you know if Audi is more expensive than Mercedes.

Comparing multiple car insurance for Audi or Mercedes rates can be time consuming. That’s why our guide goes over how to make things easier. 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. This means Mercedes and Audi liability insurance is cheaper than full coverage policies. But is Mercedes better than Audi? That will depend on personal preferences.

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. Your driving record plays a large part in your potential Audi and Mercedes premiums.

Alternatively, if you’ve been caught speeding quite a few times, a company will raise your Mercedes and Audi monthly 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. This typically causes an increase on both Audi and Mercedes monthly rates.

Your Insurance Provider

You might ask, how can I lower my car insurance rate? 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 Audi and Mercedes insurance rate 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! Whether you’re looking for Audi A4 insurance rates, the Audi r8 insurance cost, the Mercedes Benz c300 insurance cost, or Audi RS5 car insurance, compare any of the quotes you find to make sure you have the best price.

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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.

So even if you’re wondering, are Audis more expensive to insure than other brands, don’t worry. You can find great insurance for all your vehicles now by entering your zip code into the FREE box below!

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