If you’re eyeing a Mercedes EQS, whether new or used, you’re probably wondering what the **Mercedes EQS insurance cost** looks like in the real world. The short answer: it’s one of the more expensive EVs to insure, but there are smart ways to keep the numbers in check, especially if you’re considering a used EQS.
Luxury EV, Luxury Insurance
How Much Does Mercedes EQS Insurance Cost?
Typical Mercedes EQS Insurance Costs (U.S., 2024–2025 Data)
Recent industry data puts **average full‑coverage insurance for a 2024 Mercedes‑Benz EQS sedan** in the ballpark of **$4,700–$4,900 per year** for a typical 40‑year‑old driver with a clean record. That’s roughly **$390–$410 per month**. High‑performance **AMG EQS** models run even steeper, landing around **$5,600 a year** or more in many quotes.
By comparison, a conventional Mercedes S‑Class typically comes in closer to the low‑to‑mid $3,000 range per year for full coverage. Many mainstream EVs and crossovers live between $1,800 and $2,800. So yes, the EQS sits firmly in the “premium to insure” category.
Remember: Averages Aren’t Your Quote
Why Is the Mercedes EQS So Expensive to Insure?
Four Big Reasons EQS Insurance Is High
It’s not just the badge on the hood.
1. Six‑Figure Luxury Car
The EQS is Mercedes’ electric flagship sedan, often stickered well into six‑figure territory when new. Insurers price coverage around what they might have to replace, and a total loss on an EQS is a huge check.
2. Complex Tech and Bodywork
The EQS is packed with sensors, cameras, and that massive MBUX Hyperscreen. Low‑speed fender‑benders can snowball into multi‑thousand‑dollar repairs when ADAS sensors, LED lighting, or glass are involved.
3. Large, Expensive Battery Pack
A damaged high‑voltage battery is one of the costliest repairs in the business. Even if the pack is repairable, specialized labor and safety protocols add hours and dollars, and insurers bake that risk into your premium.
4. High Theft and Vandalism Risk
Luxury brand, eye‑catching design, and expensive wheels mean an EQS is a more tempting target than a mainstream EV. Comprehensive coverage has to account for theft, vandalism, and parts theft.
Beyond the hardware, you’re also paying for the EQS’s **performance and weight**. Even the “slower” trims are quick, and that torque comes on instantly. Combine that with a heavy battery‑electric chassis and you’ve got a car that can do a lot of damage in a short amount of time, something actuaries are very familiar with.
Safety Helps, but Only So Much
AMG EQS vs Standard EQS Insurance Costs
Standard EQS (450, 450+, 580)
- Typical full‑coverage premiums around mid‑$4,000s per year for many drivers.
- Still a high‑value vehicle with complex electronics.
- More modest power output vs AMG, which helps a bit.
AMG EQS
- Average full‑coverage premiums often top $5,600 per year, and can climb higher in expensive markets.
- High horsepower and performance tuning raise risk.
- AMG‑specific parts and wheels increase repair bills.
If you’re torn between a regular EQS and an AMG EQS, **insurance could easily be a $800–$1,500‑per‑year swing** in favor of the standard car. Over a five‑year ownership window, that’s four‑figure money you may prefer to put toward tires, charging, or a road‑trip budget.
Shopping Used? Consider a Non‑AMG Trim
EQS Insurance Cost vs Other Luxury EVs
How Mercedes EQS Insurance Stacks Up
Approximate national average full‑coverage premiums for popular luxury EVs (2024 data, rounded).
| EV model | Approx. avg. annual premium | How it compares to EQS |
|---|---|---|
| Mercedes EQS sedan | ~$4,800 | Baseline |
| Mercedes‑AMG EQS | ~$5,600 | ~$800 more than standard EQS |
| Mercedes EQS SUV | ~$4,600–$4,700 | Slightly cheaper than EQS sedan |
| Tesla Model S | ~$5,000 | Comparable or slightly higher than EQS sedan in many markets |
| Porsche Taycan | ~$5,000+ | Similar to or above EQS |
| Mid‑market EV (e.g., Hyundai Ioniq 5) | $2,000–$2,500 | Often half the cost of EQS to insure |
These are broad averages for typical good‑driver profiles. Your actual quote may be higher or lower based on your personal details.
From an insurer’s point of view, the EQS keeps company with the most expensive EVs on the road. It typically costs **more to insure than an EQE** or EQB, and sits in the same orbit as a Porsche Taycan or Tesla Model S. If you’re stepping up from a mainstream EV, prepare for a noticeable jump.
8 Factors That Change Your Mercedes EQS Insurance Cost
- Your age and driving history (tickets, accidents, DUI history).
- Your location, dense urban traffic and higher theft rates mean higher premiums.
- Annual mileage and how you use the car (commuter vs occasional, rideshare use, etc.).
- Coverage limits and deductibles (state minimum vs robust full coverage).
- Credit‑based insurance scores in many states.
- Whether you choose AMG or standard EQS trims.
- Installation of safety/anti‑theft devices and secure garage parking.
- Bundling with home or other auto policies, and available discounts.
Don’t Skimp on Coverage for a Car Like This
9 Ways to Lower Your Mercedes EQS Insurance Cost
Practical Moves That Can Trim Your EQS Premium
1. Shop more than one insurer
Quotes on a Mercedes EQS can vary by thousands of dollars per year between carriers. Get multiple quotes and compare total annual cost, not just the monthly number.
2. Adjust deductibles thoughtfully
If you can comfortably handle a higher out‑of‑pocket cost after a claim, raising your comprehensive and collision deductibles can shave your premium, just don’t set them higher than you’d truly be able to pay.
3. Bundle home and auto
Bundling your EQS policy with a homeowners or renters policy can unlock meaningful discounts. On an expensive vehicle, even a 5–10% break is real money.
4. Take advantage of telematics or safe‑driver programs
Many insurers offer “usage‑based” or app‑based programs that track driving habits. Smooth, low‑mileage EQS driving can earn substantial discounts over time.
5. Park smart
Secure, off‑street garage parking can cut comprehensive premiums compared with street parking in high‑theft or high‑vandalism areas.
6. Check mileage and usage classifications
If your EQS is mostly a weekend toy, make sure the policy doesn’t classify it as a heavy‑mileage commuter. Lower annual miles usually mean lower risk.
7. Keep your record clean
Speeding tickets, at‑fault crashes, and reckless driving charges hit especially hard when you’re insuring a fast, high‑value car. Defensive driving courses may help offset a past misstep.
8. Right‑size coverage on second vehicles
If you own more than one car, you might carry full coverage on the EQS and lighter coverage on an older runabout, then bundle them to improve your overall rate picture.
9. Consider a slightly older or used EQS
Because a used EQS costs less to replace than a brand‑new one, insurers may charge lower comprehensive and collision premiums, especially if you choose a non‑AMG trim.
Where Recharged Fits In
Insuring a Used Mercedes EQS: What’s Different?
On paper, a **used Mercedes EQS** should be cheaper to insure than a brand‑new one. Its replacement value has dropped, which can lower the comprehensive and collision portion of your premium. In practice, though, it’s more nuanced than that.
New vs Used EQS: Insurance Considerations
The car may be older, but the tech is just as advanced.
How age helps you
- Lower vehicle value can trim physical damage coverage costs.
- If you finance less, or pay cash, you may have more flexibility in coverage levels.
Where costs stay high
- High‑voltage battery, sensors, and bodywork are just as complex to fix.
- Labor rates at Mercedes‑certified body shops don’t drop with age.
Loan or lease requirements
If you finance a used EQS, your lender will likely still require full coverage and certain deductible limits. Check those requirements before you shop insurance.
Documented condition pays off
Clean history, up‑to‑date service, and a strong battery‑health report, like the Recharged Score that comes with every vehicle on Recharged, can make insuring a used EQS more straightforward.
EV Batteries, Repairs, and How Claims Affect Premiums
Insurers don’t price EQS coverage in a vacuum, they’re watching what happens when these cars are actually repaired. A few patterns matter:
- Minor collisions that involve bumpers, sensors, or lighting can generate surprisingly high repair bills, thanks to tightly integrated electronics.
- If a high‑voltage battery pack is physically damaged or its mounting points are compromised, insurers may opt to declare a total loss rather than attempt piecemeal repairs.
- Long parts wait times on specialized components can increase rental‑car costs, which are part of many claims and feed back into premiums.
- Multiple at‑fault claims or comprehensive claims (like repeated vandalism or storm damage) will push your individual premium up over time.
Mind Your Coverage Add‑Ons
Checklist: Insurance To-Dos Before You Buy an EQS
Before You Commit to a Mercedes EQS
1. Get real quotes on the exact trim
Insurance on an EQS 450+ versus an AMG EQS can be dramatically different. Run VIN‑specific quotes whenever possible, especially if you’re shopping used.
2. Compare new vs used premiums
If you’re cross‑shopping a new EQS at a dealer and a used EQS on Recharged, ask each insurer to quote both. The insurance difference might tip the scales.
3. Decide on your coverage philosophy
Are you comfortable with a higher deductible to save on premiums, or do you sleep better with lower out‑of‑pocket costs after a claim? Decide that before the salesperson is sliding paperwork across the desk.
4. Confirm lender requirements
If you’re financing, ask the lender what coverage and deductible levels they require. That’ll keep you from having to rework your policy after you’ve already taken delivery.
5. Ask about EV‑specific discounts
Some insurers offer lower rates for EVs, green‑vehicle discounts, or equipment‑based savings. It never hurts to ask what’s available for an EQS.
6. Factor insurance into total cost of ownership
Roll insurance into your monthly budget alongside charging, maintenance, and your payment. On an EQS, insurance can be one of the biggest line items.
7. Use vehicle history and battery health to your advantage
For a used EQS, share the clean history report and any battery‑health documentation, like a Recharged Score report, to support the vehicle’s condition when you’re discussing coverage.
Mercedes EQS Insurance Cost: FAQ
Frequently Asked Questions About Mercedes EQS Insurance
The Bottom Line on Mercedes EQS Insurance Costs
Owning a Mercedes EQS is like owning a rolling technology showcase, and insurers price it that way. Expect **above‑average premiums, often in the mid‑$4,000s per year or more**, with AMG models commanding the steepest rates. But as with any insurance story, the ending isn’t written yet; your age, location, driving history, and coverage choices can bend that curve up or down.
If you’re leaning toward a **used EQS**, you have a few aces to play. A lower purchase price, careful trim selection, and a clean, well‑documented example, backed by a battery‑health report like the **Recharged Score**, can all help you keep ownership costs in line. Take the time to get real quotes before you buy, roll insurance into your total monthly budget, and you’ll know exactly what you’re signing up for when you press that silent start button.
