Mercedes E-Class insurance group

The Mercedes E-Class is a high-end mid-size sedan from this German manufacturer. It has been available to buy since 1953, but has been historically difficult to insure. In this guide, you’ll learn everything you need to know about insuring this vehicle, including how much you can expect to pay.

What insurance group does the Mercedes E-Class fall under?

When it comes to car insurance, every vehicle is assigned a specific insurance group, ranging from 1 (cheapest to insure) to 50 (most expensive). Insurers use these groups to determine how much to charge for your insurance premiums. Mercedes E-Class models can be found in insurance groups ranging from 29 to 43, meaning this vehicle will cost more than the average vehicle to insure.

The amount you pay will vary slightly depending on the insurance group that your model is in. As an example, a 30-year-old driver in an average postcode could pay around £680 for cover on a Mercedes E-Class E200 CDI BlueEFF Avantgarde 4d Tip Auto that is in insurance group 29 or around £2,182 for a Mercedes E-Class E500 Avantgarde 4d Tip Auto that is in insurance group 40. This comparison provides a nice example of the premium pricing when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Mercedes E-Class insurance cost by location

To show the impact of your location on your car insurance premiums, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Mercedes E-Class E200 BlueEFF Avantgarde 4d.

• Expensive: £1,754 (London SE1)
• Average: £908 (Newcastle NE1)
• Cheap: £923.15 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Mercedes E-Class insurance rate?

Along with insurance group, there are many other key factors that affect your insurance premium costs:

• Engine type and capacity. Vehicles with larger engines typically cost more to insure because they will cost more to repair or replace. For example, it may cost £1,754 for insurance for a Mercedes E-Class E200 CGI BlueEFF Sport Edition 125 4d Tip Auto, while you may pay £2,182 for a Mercedes E-Class E350 CDI BEFF Avantgarde Ed 125 4d Tip Auto. In this case, there is not much of a difference between the two engine sizes, although it can be more significant with other vehicles.
• Driver location. Your address helps insurers determine the level of risk that your car may be stolen, or that you’ll be involved in an accident, and this will affect the cost of car insurance. As an example, a 30-year-old in central London may pay £1,600 for insurance for a Mercedes E-Class E200 CDI BlueEFF SE 4d Tip Auto, while the same 30-year-old in Newcastle may only pay £680. There is a £135 difference between the two cities because motorists in London are statistically more likely to make a claim than those in Newcastle.
• Driver age. The youngest motorists will pay a lot more for insurance because they are statistically the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £22,523 for the Mercedes E-Class E200 CGI BlueEFFICIENCY SE 4d, while the average 40-year-old Londoner will only pay £1,353. That’s almost double for the 20-year-old driver, and this can be the case for other types of vehicles too.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and occupation
• Your car’s safety rating score
• The age and model of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity, including your no-claims discount

How can I save on my Mercedes E-Class premiums?

While it’s compulsory to buy car insurance if you want to use your car or keep it on the road, you don’t want it to empty your bank account. Instead, you’ll want to find the best deal for a price within your budget. Here are some tricks you can try in order to lower the premiums offered to you.

• Limit your car usage (where possible). By occasionally deciding to walk or get public transport, rather than using your car, you can lower your annual mileage and save on your premiums.
• Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, paying annually eliminates the possibility of paying interest on monthly repayments.
• Install extra safety precautions. Any additions that make your car safer are likely to lower your premium.
• Don’t just accept your renewal quote. Although it might be time-consuming, make sure you shop around for the best car insurance deal when it’s time for renewal. There may be cheaper options out there!

Bottom line

The Mercedes E-Class costs a lot to insure, even for a high-end sedan. Thankfully, the tips in this guide will help you cut the costs of your premiums somewhat.

Frequently asked questions

• What is the top speed of a Mercedes E-Class?

  Depending on the model version, Mercedes E-Class can reach top speeds of 155 mph.

• Is the Mercedes E-Class safe?

  This vehicle scored a five-star rating in its Euro NCAP crash tests. That includes an impressive 95% score for protecting adult occupants and 90% for protecting child occupants.

• How much car tax do I have to pay for the Mercedes E-Class?

  The UK standard car tax rate starts at £140 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Mercedes E-Class?

  You can buy a Mercedes E-Class from dealerships or online sellers across the UK. You could also pick up a second-hand vehicle from a previous owner.

• Is the Mercedes E-Class any good?

  You’ll have no complaints with this luxury sedan that’s ahead of its time.

• Where can I find Mercedes E-Class car insurance?

  You can compare the costs of insuring this vehicle using any price comparison website.

• Is a Mercedes E-Class expensive to insure?

  This depends on the specific model of Mercedes E-Class you choose to buy and the insurance group it falls under. You’ll find Mercedes E-Class models within insurance groups ranging from 29 to 43, meaning the insurance will cost more than average.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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