Mercedes-Benz G-Class Insurance Cost

Full coverage for a Mercedes-Benz G-Class costs about $2,560 a year ($213/month) by our estimate — ▲ +61% versus the average vehicle, ranking 289th cheapest of 310 current models.

Mercedes-Benz G-Class exterior (photo from Wikimedia Commons) — Photo: Julian Herzog (Website), CC BY 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Mercedes-Benz G-Class insurance cost at a glance

Full coverage

$2,560

$213/mo · $2,095–$3,020

Minimum liability

$550

$46/mo

Segment

Luxury SUV

Gasoline, Hybrid, Electric

HLDI collision losses

184

Much worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Mercedes-Benz G-Class.

Estimated Mercedes-Benz G-Class premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$550	$46	$455–$650
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$800	$67	$655–$945
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,560	$213	$2,095–$3,020

What drives the cost of insuring a Mercedes-Benz G-Class

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Mercedes-Benz G-Class's results put our vehicle factor at 0.90× for liability, 1.77× for collision and 3.93× for comprehensive.

HLDI relative insurance losses — Mercedes-Benz G class AMG 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	184	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	439	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	86	Better than average	Damage this car does to other vehicles and property
Personal injury protection	42	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Mercedes-Benz G class AMG 4dr 4WD	184	439	86	—
Mercedes-Benz G class 4dr 4WD	146	336	95	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
Recalls & complaints: 3 NHTSA recall campaigns and 5 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Mercedes-Benz G-Class trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPGe (comb.)	Range
AMG G63	4WD	4.0L 8-cyl Turbo Hybrid	15	—
G 580 with EQ Technology	4WD	Electric	71	249 mi

Mercedes-Benz G-Class insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPGe	Est. full / yr
2027	4.0L 8-cyl Turbo Hybrid, Electric	4WD	15	$2,560
2026	3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid, Electric	4WD	15–18	$2,480
2025	3.0L 6-cyl Turbo Supercharged Hybrid, 4.0L 8-cyl Turbo Hybrid, Electric	4WD	15–18	$2,400
2024	4.0L 8-cyl Turbo	4WD	11–14	$2,320
2023	4.0L 8-cyl Turbo	4WD	11–14	$2,240
2022	4.0L 8-cyl Turbo	4WD	14–16	$2,165
2021	4.0L 8-cyl Turbo	4WD	14–18	$2,085
2020	4.0L 8-cyl Turbo	4WD	14	$2,005
2019	4.0L 8-cyl Turbo	4WD	14	$1,925
2018	4.0L 8-cyl Turbo, 5.5L 8-cyl Turbo, 6.0L 12-cyl Turbo	4WD	11–13	$1,845
2017	4.0L 8-cyl Turbo, 5.5L 8-cyl Turbo, 6.0L 12-cyl Turbo	4WD	11–13	$1,765
2016	4.0L 8-cyl Turbo, 5.5L 8-cyl Turbo, 6.0L 12-cyl Turbo	4WD	12–13	$1,690
2015	5.5L 8-cyl, 5.5L 8-cyl Turbo	4WD	13	$1,680
2014	5.5L 8-cyl, 5.5L 8-cyl Turbo	4WD	13	$1,680
2013	5.5L 8-cyl, 5.5L 8-cyl Turbo	4WD	13	$1,680
2012	5.5L 8-cyl	4WD	13	$1,680
2011	5.4L 8-cyl Supercharged, 5.5L 8-cyl	4WD	12–13	$1,680
2010	5.4L 8-cyl Supercharged, 5.5L 8-cyl	4WD	12–13	$1,680
2009	5.4L 8-cyl Supercharged	4WD/AWD	12	$1,680
2008	5.0L 8-cyl, 5.4L 8-cyl Supercharged	4WD/AWD	12–13	$1,680

Mercedes-Benz G-Class insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the G-Class page for that state.

State	Full coverage	Minimum	vs. national	G-Class page
Alabama	$2,375	$430	−7%	G-Class in AL
Alaska	$2,200	$560	−14%	G-Class in AK
Arizona	$2,715	$595	+6%	G-Class in AZ
Arkansas	$2,555	$405	0%	G-Class in AR
California	$2,385	$515	−7%	G-Class in CA
Colorado	$3,360	$585	+31%	G-Class in CO
Connecticut	$2,470	$640	−4%	G-Class in CT
Delaware	$2,520	$720	−2%	G-Class in DE
District of Columbia	$3,180	$670	+24%	G-Class in DC
Florida	$3,145	$970	+23%	G-Class in FL
Georgia	$2,865	$785	+12%	G-Class in GA
Hawaii	$1,705	$390	−33%	G-Class in HI
Idaho	$1,785	$360	−30%	G-Class in ID
Illinois	$2,290	$450	−11%	G-Class in IL
Indiana	$1,905	$365	−26%	G-Class in IN
Iowa	$2,195	$280	−14%	G-Class in IA
Kansas	$2,515	$365	−2%	G-Class in KS
Kentucky	$2,175	$475	−15%	G-Class in KY
Louisiana	$3,535	$710	+38%	G-Class in LA
Maine	$1,705	$380	−33%	G-Class in ME
Maryland	$2,715	$680	+6%	G-Class in MD
Massachusetts	$2,415	$535	−6%	G-Class in MA
Michigan	$2,775	$690	+8%	G-Class in MI
Minnesota	$2,485	$425	−3%	G-Class in MN
Mississippi	$2,710	$480	+6%	G-Class in MS
Missouri	$2,585	$460	+1%	G-Class in MO
Montana	$2,560	$355	0%	G-Class in MT
Nebraska	$2,505	$365	−2%	G-Class in NE
Nevada	$2,415	$780	−6%	G-Class in NV
New Hampshire	$1,840	$360	−28%	G-Class in NH
New Jersey	$2,660	$840	+4%	G-Class in NJ
New Mexico	$2,435	$470	−5%	G-Class in NM
New York	$3,110	$835	+21%	G-Class in NY
North Carolina	$2,085	$405	−19%	G-Class in NC
North Dakota	$2,145	$250	−16%	G-Class in ND
Ohio	$1,915	$365	−25%	G-Class in OH
Oklahoma	$2,685	$425	+5%	G-Class in OK
Oregon	$2,090	$565	−18%	G-Class in OR
Pennsylvania	$2,385	$385	−7%	G-Class in PA
Rhode Island	$2,755	$740	+8%	G-Class in RI
South Carolina	$2,625	$660	+3%	G-Class in SC
South Dakota	$2,810	$285	+10%	G-Class in SD
Tennessee	$2,270	$405	−11%	G-Class in TN
Texas	$3,375	$620	+32%	G-Class in TX
Utah	$2,110	$590	−18%	G-Class in UT
Vermont	$1,850	$285	−28%	G-Class in VT
Virginia	$2,205	$565	−14%	G-Class in VA
Washington	$2,035	$530	−21%	G-Class in WA
West Virginia	$2,465	$390	−4%	G-Class in WV
Wisconsin	$1,980	$335	−23%	G-Class in WI
Wyoming	$2,800	$290	+9%	G-Class in WY

Mercedes-Benz G-Class insurance by driver profile

Estimated annual Mercedes-Benz G-Class premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,520	$2,205	$7,035	$586
Young adult (22)	$885	$1,280	$4,090	$341
Adult in their 30s	$550	$800	$2,560	$213
Adult in their 50s	$510	$735	$2,355	$196
Senior (72)	$620	$895	$2,865	$239
30s, one at-fault accident	$800	$1,160	$3,710	$309
30s, DUI on record	$1,020	$1,480	$4,730	$394

Mercedes-Benz G-Class vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Mercedes-Benz G-Class	$2,560	184	439	—
Land Rover Range Rover	$2,210	157	339	Compare
Porsche Cayenne	$1,770	150	179	Compare
Lamborghini Urus	$3,890	477	577	Compare

Estimate Mercedes-Benz G-Class insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Mercedes-Benz models

AMG GT $2,200/yr
C-Class $2,050/yr
CLA-Class $2,040/yr
CLE-Class $1,760/yr
E-Class $1,810/yr
EQE SUV $2,505/yr
EQS $2,835/yr
EQS SUV $2,560/yr
GLC-Class $1,440/yr
GLE-Class $1,625/yr
GLS-Class $1,825/yr
S-Class $3,045/yr
SL-Class $2,330/yr
EQE $2,810/yr
GLA-Class $1,475/yr
GLB-Class $1,605/yr
EQB $1,695/yr
CLS-Class $1,650/yr
Metris $1,445/yr
A-Class $1,605/yr
SLC-Class $1,810/yr
B-Class $1,445/yr
GL-Class $1,335/yr
SLK-Class $1,585/yr
GLK-Class $1,330/yr
ML-Class $1,305/yr
SLS AMG $1,580/yr
CL-Class $1,345/yr
R-Class $1,330/yr
CLK-Class $1,345/yr

All Mercedes-Benz insurance costs →

Frequently asked questions

How much is insurance for a Mercedes-Benz G-Class?

We estimate about $2,560 a year ($213 a month) for full coverage and $550 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 61% more than the average vehicle.

Is the Mercedes-Benz G-Class expensive to insure?

HLDI insurance-loss data rates it at 184 for collision and 439 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Mercedes-Benz G-Class?

Hawaii has the lowest estimate (about $1,705 a year for full coverage) and Louisiana the highest (about $3,535).

Is the Mercedes-Benz G-Class cheaper to insure than the Land Rover Range Rover?

By our estimate the Mercedes-Benz G-Class costs about $2,560 a year versus $2,210 for the Land Rover Range Rover, making the Land Rover Range Rover cheaper to insure.

How much is Mercedes-Benz G-Class insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $7,035 a year at national-average rates by our estimate.

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.

Sources used on this page