BMW vs. Mercedes-Benz: Which Costs More to Insure?

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Lisa Steuer McArdle
Updated on Apr 27, 2022 · 3 min read
BMW and
are among the top European luxury car brands, and the two car companies offer similar models and features on their vehicles. But something they _don’t _have in common is the
average car insurance premium
There are many factors that contribute to car insurance costs, and many of those factors have to do with your own personal profile and driving record. But the type of car you choose could also have an impact. So even though BMW and Mercedes-Benz cars are similar in many ways, one costs a little more to insure on average.

Is BMW or Mercedes-Benz better?

According to
Consumer Reports
, today’s BMWs are known for their comfort combined with technology, powertrain refinement and fuel efficiency. It’s considered one of the more reliable European brands.
BMW also offers a range of models from sports cars, like the 2 Series coupe, Z4 roadster, and M-designated models, to a wide variety of SUVs. The BMW "i" brand is focused on electric cars.
BMW’s iDrive—its in-car control system displaying the information on navigation, audio and telephone settings—has become more intuitive since it was first introduced in 2001.
According to
Consumer Reports
, Mercedes-Bez features luxury vehicles that have advanced safety systems, great handling with a nice interior, and a quiet cabin. Mercedes-Benz C-, E-, and S-Class sedans, and the GLS and GLE SUVs models have also performed very well in Consumer Reports’ tests.
In addition to the luxury vehicles, Mercedes-Benz also offers more affordable options, such as its A-Class, and GLA and GLB SUV models. There is an electric EQC SUV on the way.
When it comes to reliability, Mercedes-Benz ranks in the lower third of all brands, with the redesigned GLE SUV ranking as one of the least reliable new models in Consumer Reports’ survey.
As you can see, the two brands are similar in many ways. So when car shopping, it’s a good idea to really consider your own personal preferences, and see what each company is offering, in order to make a final decision.

How much does car insurance cost for BMW and Mercedes?

Factoring in the cost of insurance could help you make a decision between purchasing either a BMW or a Mercedes-Benz.
According to car insurance quotes from Jerry customers, BMWs are a little cheaper to insure than Mercedes-Benz. Our data shows that BMWs have an average monthly premium of $261, while for Mercedes-Benz it’s $272—so it’s not a huge difference, but still, every dollar counts if you’re trying to save.
When comparing the average yearly premium, BMWs come in at $3,134, with Mercedes-Benz at $3,269.
However, it’s important to remember that this might not be true for every case. The policy premium for each individual will vary depending on a variety of factors, including claim, traffic tickets, the number of miles you drive, the primary driver, credit score, and more.

Save more on car insurance with Jerry

No matter what car you purchase,
can help you save on car insurance. Jerry’s free app compares quotes from over 40 different insurance companies for you in under a minute, making it extremely simple to compare different policies. Jerry will send you quotes that compare to your current coverage, and you won’t have to fill out any long forms.
Plus, as a licensed broker, Jerry takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis.

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