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MERCEDES-BENZ AUTO INSURANCE 2026

Mercedes-Benz Auto Insurance Quebec — compare 9+ insurers

C-Class, E-Class, GLC, GLE, GLA, GLB, GLS, AMG, EQB, EQE, EQS — we find the best price for your Mercedes, regardless of the model or your record.

Compare 30+ free quotes
$2,100
Mercedes QC Average Premium
9+
Insurers Compared
-28 %
Medium Savings
15+ years
Brokerage Experience

Do you drive a Mercedes-Benz in Quebec? Whether you own a C-Class, E-Class, GLC, GLE, GLA, GLB, GLS, a high-performance AMG or an EQB, EQE, EQS electric SUV, insuring a German luxury vehicle requires a specialized broker. Assur360 — an AMF-certified platform and a member of the Chamber of Insurance — compares more than 9 insurers for Mercedes owners. Premiums are higher due to the vehicle’s value (average of $65,000), expensive OEM parts, and specialized repairs. Free comparison in 3 minutes. Even drivers with difficult records get a solution via our sub-standard network.

White Mercedes-Benz car with headlights on, front view.

IN BRIEF

Mercedes-Benz Car Insurance (C, E, GLC, GLE, EQ)

Mercedes-Benz are premium vehicles with premiums that are 50-100% higher than an equivalent standard vehicle. AMG models go even higher.

Coverage: original manufacturer parts (OEM) warranty, 2-year replacement value, and Mercedes certified workshop mandatory on high-performance models (AMG, EQ).

Average Mercedes-Benz Insurance Price in Quebec 2026

Mercedes-Benz insurance premiums range from $1,500 to $3,200 per year depending on the model, age of the vehicle, your driving record and your region. AMG high-performance vehicles, electric EQSs and GLS over $100,000 naturally climb to the top of this range. GLA and C-Class entry models remain more affordable to insure.

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Mercedes ModelAge 25-45 (good record)Age 20-24Back with dots
2024 Mercedes GLA$1,500 – $2,100$2,100 – $2,900$2,400 – $3,200
2024 Mercedes C-Class$1,600 – $2,300$2,200 – $3,100$2,500 – $3,400
2024 Mercedes GLB$1,650 – $2,350$2,300 – $3,150$2,600 – $3,500
2024 Mercedes GLC$1,750 – $2,500$2,450 – $3,300$2,750 – $3,650
2024 Mercedes E-Class$1,850 – $2,650$2,600 – $3,500$2,900 – $3,850
2024 Mercedes GLE$2,050 – $2,850$2,850 – $3,750$3,150 – $4,100
2024 Mercedes EQB$1,800 – $2,550$2,550 – $3,450$2,850 – $3,800
2024 Mercedes EQE$2,100 – $2,950$2,950 – $3,900$3,300 – $4,350
2024 Mercedes GLS / EQS$2,400 – $3,200$3,300 – $4,400$3,700 – $4,900
Mercedes AMG (all models)$2,600 – $3,500$3,600 – $4,800$4,000 – $5,300

*Indicative rates 2026. Get your exact price in 3 minutes.

Factors that influence your Mercedes-Benz premium

💎

Value of the vehicle

The average value of a Mercedes in Quebec is $65,000. The more expensive the vehicle is, the higher the financial risk for the insurer.

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German OEM Parts

Mercedes-Benz Genuine Parts cost 30 to 60 percent more than the Japanese or American equivalent, which increases the cost of claims.

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Performance AMG

An AMG model (C63, E63, GT, G63) has its premium increased by 25 to 50% due to engine power and the increased risk of collision.

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Theft of catalytic converters

GLE, GLS and ML are targeted by catalytic converter thieves. A GPS tracker and secure parking can reduce the premium.

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Warranty vs. Insurance

The Mercedes factory warranty (4 years / 80,000 km) covers mechanical breakdowns but not collisions, theft or vandalism — insurance remains essential.

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Electric EQ Models

The EQB, EQE and EQS have a battery of more than $40,000 to replace in the event of a claim. Some insurers offer an EV discount of 5 to 10%.

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How to save on your Mercedes-Benz insurance

1

Install an approved anti-theft system

GPS Tag, Boomerang, Anti Theft Pro — insurers accept a 5-15% discount for Mercedes targeted for theft (GLE, GLS, S-Class).

2

Combine car + home

A multi-product discount of 10 to 15% applies to the car premium when you combine your Mercedes with home insurance.

3

Increase your deductible

Going from $500 to $1,000 or $1,500 deductible can reduce your Mercedes premium by 8 to 14 percent, especially on higher-end models.

4

Compare 9+ Insurers Through a Broker

Premium differences between insurers for the same Mercedes can be as high as $800 per year. An independent broker like Assur360 gets the most advantageous offer.

Recommended Coverages for Your Mercedes-Benz

Liability $2M

The minimum recommended for a luxury vehicle. Covers damage caused to others in the event of an at-fault accident.

All Risks (Chapter B1)

Covers collision, theft, vandalism, fire, natural disasters. Essential for a Mercedes over $40,000.

Replacement Cost

On a new Mercedes or less than 2 years old, replaces the vehicle at the price paid, without depreciation in the event of a total loss.

24/7 Roadside Assistance

Complements the Mercedes-Benz Roadside Assistance with roadside assistance, towing and replacement vehicle at your insurer.

Replacement vehicle

Endorsement 20a: reimbursement of the cost of a rental vehicle while your Mercedes is being repaired or replaced.

EQ battery protection

For EQB, EQE, EQS — specific endorsement covering the high-voltage battery against accidental damage.

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Tip: Mercedes-Benz Roadside Assistance

Your Mercedes already includes the manufacturer’s 24/7 assistance during the factory warranty. Avoid double paying — your Assur360 insurance broker can adjust your contract to remove the redundant rider and save $40-80/year.

Cities served in Quebec

Assur360 insures Mercedes-Benz owners in Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Drummondville, Saint-Jérôme, Granby, Thetford Mines and everywhere else in Quebec. Mercedes owners in metropolitan areas pay about 15% more than in rural areas due to the higher risk of theft and loss. Our brokers know the regional specificities and the insurers that offer the best discounts in your industry.

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Mercedes thefts in Quebec on the rise

According to Équité Association, the Mercedes GLE, GLS and S-Class are among the most stolen vehicles in Quebec. Many insurers now require an approved GPS tracker (Tag, Boomerang) for 2020 and newer models. Check with your Assur360 insurance broker — some companies refuse without this device.

Frequently Asked Questions — Mercedes-Benz Car Insurance

What is the average price of Mercedes-Benz insurance in Quebec in 2026?
The average premium for a Mercedes-Benz in Quebec ranges from $1,500 to $3,200 per year. A Class C or GLA costs around $1,600 to $2,300 for an experienced driver, while a GLE, GLS, or AMG model can exceed $3,000. The premium depends on the model, value, your driving record, and your region. Get your exact price in 3 minutes.
Why does insurance for a Mercedes cost more?
Three main factors: the vehicle’s value (average $65,000 in Quebec), the cost of German OEM parts (30% to 60% more expensive than their Japanese equivalents), and specialized labor in certified workshops. High-performance AMG models, GLE, and GLS also see their premiums increased due to the higher risk of collision and theft.
Is a GPS tracker required to insure a Mercedes in Quebec?
For several targeted models (GLE, GLS, Class S, Class G, AMG), yes. Insurers increasingly require a certified tracking device such as Tag, Boomerang, LoJack, or Anti Theft Pro. Installation costs between $500 and $1,200, but allows for theft coverage and reduces the premium by 5% to 15%. Without this device, some companies refuse to provide coverage.
Does insurance for an AMG Mercedes cost much more?
Yes, between 25% and 50% more than an equivalent non-AMG Mercedes model. The reason: high engine power (over 400 hp), high-speed collision risk, and significant repair costs. An AMG C63 or E63 can exceed $3,500 per year. Young drivers are often declined by standard insurers for an AMG.
Are electric Mercedes EQB, EQE, EQS more expensive to insure?
Yes, generally 10% to 15% more than an equivalent gasoline model. The high-voltage battery costs between $30,000 and $50,000 to replace, and repairs require a certified Mercedes-EQ workshop. Several insurers offer a 5% to 10% electric vehicle discount that partially offsets this. Also consider the battery endorsement that specifically covers this component.
Does the Mercedes warranty replace auto insurance?
No. The Mercedes-Benz factory warranty (4 years / 80,000 km) only covers mechanical and electrical defects. It does not cover collisions, theft, vandalism, natural disasters, or liability. Auto insurance remains mandatory by law in Quebec (minimum liability) and complements the warranty for all other risks.
Can I insure a Mercedes with a bad driving record?
Yes. Assur360 works with insurers specialized in substandard auto insurance that accept drivers with points, accidents, suspensions, or DUI — even for a Mercedes. The price is higher (often double that of standard coverage) but the protection is guaranteed. Your Assur360 broker compares the available substandard offers for your profile.
What discounts are available for Mercedes insurance?
Several discounts: multi-product auto + home (10% to 15%), loyalty for 3 years or more (5% to 10%), vehicle with certified GPS tracker (5% to 15%), low mileage under 15,000 km/year (5% to 8%), Mercedes me Connect telematics (up to 15%), experienced driver, parking in a private garage. Cumulatively, these discounts reduce the premium by 20% to 35%.
What coverage should I choose for a used Mercedes?
Even for a used Mercedes, maintain comprehensive coverage (Chapter B1) as long as the vehicle is worth more than $10,000. Repairs for a 2018 Class E or 2019 GLC cost almost as much as for a new model due to OEM parts. Switch to collision coverage only (B2) only for models over 10 years old or with low residual value.
How long does it take to get a quote for a Mercedes at Assur360?
Less than 3 minutes online. You fill out the basic information (model, year, postal code, record). Our brokers then compare over 9 insurers, including those specialized in luxury vehicles, and call you back with the best offers within the day. Free, no obligation, and no impact on your credit record.

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