BMW 7 Series vs Mercedes-Benz S-Class Insurance Cost
The Mercedes-Benz S-Class is cheaper to insure by about $665 a year for full coverage by our estimate ($3,710 vs. $3,045), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | BMW 7 Series | Mercedes-Benz S-Class | Difference |
|---|---|---|---|
| State minimum | $850 | $685 | +$165 |
| Standard (100/300/100) | $1,235 | $990 | +$245 |
| Full coverage | $3,710 | $3,045 | +$665 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 7 Series minus S-Class.
Why one costs more to insure
| Factor | BMW 7 Series | Mercedes-Benz S-Class |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline, Hybrid, Plug-in hybrid |
| HLDI collision (100 = avg) | 405 | 271 |
| HLDI comprehensive | 363 | 418 |
| HLDI property damage liability | 166 | 109 |
| HLDI bodily injury liability | — | 131 |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the BMW 7 Series has 134 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW 7 Series.
7 Series vs S-Class insurance by state
By driver profile (full coverage)
| Driver | 7 Series | S-Class |
|---|---|---|
| Teen driver (18, own policy) | $10,200 | $8,380 |
| Young adult (22) | $5,935 | $4,875 |
| Adult in their 30s | $3,710 | $3,045 |
| Adult in their 50s | $3,410 | $2,805 |
| Senior (72) | $4,155 | $3,410 |
| 30s, one at-fault accident | $5,380 | $4,415 |
| 30s, DUI on record | $6,860 | $5,635 |
More comparisons
Frequently asked questions
Is the BMW 7 Series or the Mercedes-Benz S-Class cheaper to insure?
By our estimate the Mercedes-Benz S-Class is cheaper, by about $665 a year for full coverage ($3,710 vs. $3,045) for a driver in their 30s with a clean record.
Why does insurance cost differ between the BMW 7 Series and Mercedes-Benz S-Class?
Mostly because of insurance-loss history: HLDI collision indices of 405 vs. 271 and comprehensive indices of 363 vs. 418 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.