Mercedes Benz Car Insurance

Mercedes-Benz is one of the world’s most prestigious and influential German automotive brands - admired globally and in Ireland for luxury, performance, and engineering excellence. 

The company’s origins date back to 1886 in Germany, when automotive pioneers Carl Benz and Gottlieb Daimler independently developed the first petrol-powered vehicles. Carl Benz created the Benz Patent-Motorwagen in Mannheim - widely recognised as the world’s first automobile, while Daimler and Wilhelm Maybach were building early motor vehicles in Stuttgart. 

In the early 1900s, Austrian businessman Emil Jellinek became a key promoter of Daimler’s cars, pushing for faster, more advanced models. He began using the name “Mercedes”, after his daughter - a name that soon became synonymous with innovation and performance. 

In 1926, Benz & Cie and Daimler-Motoren-Gesellschaft (DMG) merged to form Daimler-Benz AG, officially creating Mercedes-Benz. The company’s headquarters remain in Stuttgart, Germany, where it continues to lead global automotive engineering and design. The iconic three-pointed star logo symbolises mobility on land, sea, and air - a reflection of the brand’s ambitious engineering vision. 

Today, Mercedes-Benz Group AG produces luxury cars, high-performance AMG models, and innovative electric vehicles through its Mercedes-EQ range. The brand has introduced pioneering technologies such as crumple zones, PRE-SAFE®, Active Brake Assist, and Distronic adaptive cruise control, reinforcing its reputation for safety and innovation. 

Mercedes-Benz also has a rich motorsport heritage. The modern Mercedes-AMG Petronas Formula One Team, re-established in 2010, achieved historic success throughout the 2010s - demonstrating the performance, engineering precision, and competitive spirit that define the brand. 

Mercedes-Benz remains a top choice for Irish drivers who value luxury, refinement, and long-lasting quality - from the compact A-Class to executive models like the E-Class, and premium SUVs such as the GLC and GLE. 

Yes - its4women provides car insurance for a broad selection of Mercedes-Benz vehicles in Ireland. This includes well-known models such as the A-Class, C-Class, E-Class, CLA, GLA, GLC and fully electric EQ models like the EQA and EQB. Our cover options are designed to suit everyday drivers, whether you own a compact hatchback, a luxury saloon or a premium SUV. 

We do not currently provide classic or vintage car insurance, so older or specialist Mercedes vehicles may not be eligible for cover. 

If your Mercedes model is not shown on our website, or if you are unsure about eligibility, simply complete a fast online quote and we’ll confirm your cover options immediately. 

In Ireland, vehicles are assigned to insurance groups from 1 to 50, with lower-group cars generally costing less to insure. Models placed in higher groups typically attract higher premiums because they may be more expensive to repair, offer greater performance, or present a higher overall risk to insurers. 

Mercedes-Benz vehicles fall across a wide range of insurance groups depending on the model, engine type and specification. For example: 

Lower groups: Certain A-Class and B-Class variants 
Mid-range groups: C-Class, GLA, GLB 
Higher groups: E-Class, GLC, GLE, AMG performance models 

A number of core factors influence the insurance group assigned to a Mercedes, including: 

• Vehicle value - Premium or high-priced models usually sit in higher insurance groups. 

• Parts and repair costs - Mercedes vehicles often use advanced engineering and specialist components, which can increase repair costs and place them in higher groups. 

• Safety and driver-assistance systems - Mercedes features such as PRE-SAFE, Active Brake Assist, Blind Spot Assist and other elements of the Mercedes-Benz Intelligent Drive package can help reduce accident risk and may support a lower group rating. 

• Engine size and performance - More powerful or AMG-tuned engines tend to be associated with higher insurance groups due to their performance capability. 

• Crash protection and build quality - Strong Euro NCAP ratings and robust safety engineering can contribute to a lower insurance group in some cases. 

Insurance groups are only one component of how Mercedes car insurance premiums are calculated in Ireland. Your final price will also depend on personal rating factors such as your age, driving experience, location, licence type and claims history. 

Mercedes-Benz car insurance costs vary depending on the model you drive and your individual driver profile. Many popular Mercedes models such as the A-Class, B-Class and certain C-Class variants benefit from strong safety features, efficient engines and solid build quality, which can help keep premiums competitive. 

Higher-value or higher-performance Mercedes vehicles, including AMG models and larger SUVs like the GLC or GLE, are typically placed in higher insurance groups. These models may cost more to insure due to factors such as increased performance capability, higher repair costs and the use of premium components. 

At its4women, we aim to offer competitive pricing, flexible cover options and rewards for safe, claim-free driving - helping Mercedes drivers secure strong value on their car insurance in Ireland. 

Get a quick online quote today. 

Mercedes-Benz vehicles are known for their strong safety standards, refined engineering and premium build quality, but your Mercedes car insurance costs will still depend on factors such as your age, driving experience, location, claims history and the specific Mercedes model you drive. Below are several practical ways that may help reduce the cost of Mercedes car insurance in Ireland: 

Be accurate with your annual mileage 
Insurers consider drivers who spend more time on the road to be higher risk. If you primarily use your Mercedes for commuting, school runs or shorter daily journeys, make sure your estimated annual mileage is realistic. Overestimating can increase your premium, while underestimating could cause difficulties if you need to make a claim. 

Enhance your Mercedes’ security 
Many Mercedes models come equipped with solid factory-fitted security and safety systems, but additional measures can help further reduce theft risk. Options include a steering wheel lock, an approved alarm, immobiliser or GPS tracker. Parking your Mercedes in a secure garage or well-lit driveway may also help lower your Mercedes insurance premium. 

Build and protect your No Claims Bonus 
A strong No Claims Bonus (NCB) is one of the most effective ways to reduce insurance costs over time. Each year you avoid making a claim can support further discounts. Optional NCB protection (where available) can also help preserve your bonus if you need to make specific types of claims. 

Consider telematics insurance 
Telematics (Black Box) insurance can be beneficial for younger or newly licensed drivers of any Mercedes model. This type of cover rewards safe driving behaviours such as smooth acceleration, careful braking and responsible speed which can help reduce premiums as you gain more experience. 

Choose the right Mercedes model & engine type 
Lower-powered or entry-level Mercedes models such as certain A-Class or B-Class variants often fall into lower insurance groups. Larger SUVs (like the GLC or GLE) or high-performance models - particularly those in the AMG range - are usually placed in higher groups due to increased performance and higher repair costs. Choosing a more economical Mercedes may help keep car insurance premiums down. 

Add a named driver 
If you're a younger or less experienced driver, adding a more experienced named driver such as a parent or partner may help reduce your premium. However, the main driver must always be the person who primarily uses the vehicle. Listing someone else as the main driver when you are the primary user (known as fronting) is illegal and could invalidate your policy. 

Increase your voluntary excess 
Choosing a higher voluntary excess can lower your overall premium because you agree to pay more toward a claim if one occurs. Many drivers select a moderate excess, but if you can comfortably afford a higher amount, increasing it may help reduce the cost of insuring your Mercedes. Always ensure the excess you choose is realistic for your circumstances. 

Yes - we provide cover for a wide range of Mercedes-Benz hybrid and fully electric models. This includes popular vehicles such as the EQA, EQB, EQC and plug-in hybrid variants across the A-Class, C-Class and E-Class ranges. 

Mercedes’ electric and hybrid lineup continues to grow in Ireland, offering lower running costs, strong safety technology and reduced emissions - making them an appealing choice for drivers looking for efficiency and premium comfort. 

Get a quick online quote and we’ll confirm your cover options immediately. With its4women, insuring your Mercedes hybrid or EV is straightforward, flexible and designed to give you confidence on the road. 

Hybrid and electric Mercedes-Benz models can sometimes be slightly more expensive to insure, mainly because battery systems and high-voltage electrical components can be costlier to repair or replace. However, many drivers still see overall savings due to lower day-to-day running costs, reduced motor tax and fewer traditional mechanical maintenance needs compared with petrol or diesel vehicles. 

Mercedes’ growing electrified range including models such as the EQA, EQB, EQC and various plug-in hybrid A-Class, C-Class and E-Class variants offers strong long-term value and is becoming an increasingly popular choice among Irish drivers. 

Yes - young drivers in Ireland can insure a Mercedes-Benz. The young driver insurance premium will depend on several rating factors, including driver age, licence type, driving experience, location, claims history and the specific Mercedes model the driver chooses to drive. 

Entry-level or lower-powered Mercedes models such as certain A-Class or B-Class variants may offer more affordable insurance options for younger motorists. Larger SUVs or performance-focused models, particularly those in the AMG range, usually fall into higher insurance groups and can be more expensive to insure. 

its4women also offers Black Box telematics insurance, which can be a strong option for young or newly qualified drivers. A small device monitors driving behaviours such as speed, braking and acceleration. Consistent safe driving can help reduce premiums at renewal, encourage better driving habits and provide useful data should a claim arise. 

Yes - you must have valid car insurance in place to legally test-drive a Mercedes-Benz, or any motor vehicle, on public roads in Ireland. 

If you're test-driving a new or used Mercedes at a dealership, many authorised Mercedes-Benz dealers provide temporary demonstration cover for the duration of the test drive. However, this is not guaranteed, so always confirm whether insurance is included before taking the car out. If the dealer does not supply cover, you will need your own insurance in place. 

If you're test-driving a Mercedes privately - for example, viewing a used car from a private seller - you must have your own policy that allows you to drive the vehicle. Some insurance policies include a “driving other cars” extension, but this typically provides third-party only cover, meaning the Mercedes itself would not be protected for damage. 

For full peace of mind, consider arranging temporary or test-drive insurance that offers comprehensive cover, ensuring both you and the vehicle are protected should an incident occur. 

Yes - if you maintain a claim-free driving record, you can build up a No Claims Discount (NCD), which may help reduce the cost of your Mercedes car insurance over time. At its4women, we also reward safe and responsible driving with additional benefits, helping Mercedes owners get strong value from their cover.