Is it cheaper to insure an Audi or Mercedes?

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Asked April 7, 2014

1 Answer


While both cars fall into the luxury class of automobiles, the comparison between an Audi and a Mercedes ends there. Dollar for dollar, an Audi is a lot less expensive to own over a 5 year period, and that savings is repeated across the board, from lower depreciation and insurance to the cost fuel and maintenance. In all categories, the Mercedes is a pricier car to own.

For insurance costs, you can expect an Audi sedan to cost you around $1,900 annually, with a 5 year total of nearly $9,500. A Mercedes sedan will cost around $2,200, adding up to just under $11,000 over a 5 year loan. If insurance is your only concern, the Audi will be the best choice, but there is more to consider.

With the Mercedes having a list price just over $57K and the Audi's list of around $35K, it should be obvious that the insurance rates are not evenly matched. The reason for this is that Mercedes includes more and better advanced safety devices, including side and curtain airbags as well as the now-standard dash-mounted bags. In effect, the Mercedes reduces your overall insurance costs by providing a safer car out of the dealership.

Where cost is your primary concern, it should be noted that the total cost to own an Audi works out lower than the suggested list price of the Mercedes. The main concern is that without the advanced design and safety implementations of the Mercedes, the cost of insurance would be as much as double the cost of buying insurance for an Audi. Both vehicles provide an exceptionally comfortable ride and superior handling, but the Audi is not able to compete with the engineering superiority of the Mercedes.

Answered April 7, 2014 by Anonymous

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