Is the Mercedes A-Class cheap to insure?
Get the details on Mercedes A-Class insurance groups and how much it might cost to be covered
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If you’ve got your eye on a sleek Mercedes hatchback, you might be wondering, ‘is the Mercedes A-Class cheap to insure?’.
It’s a valid question for anyone considering their next car, and the good news is you can get an A-Class with cheap insurance. It’ll also depend a fair bit on your circumstances as the driver.
Get the details in our guide to Mercedes A-Class insurance groups below.
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Mercedes A-Class insurance group ratings explained
The 1-50 insurance group system was used to help calculate the cost of insurance for models that were made before 1 August 2024 and after 2009.
There was a different insurance group system in place before this, starting at 1-9 groups in the 70s, and expanding to 20 groups in 1992.
For cars after the 2024 cut-off, the new Vehicle Risk Rating system is used to help estimate insurance costs.
Insurance groups are based on factors like:
Repair costs and how long repairs might take
Parts prices and new car value
Performance
Security and safety features
For the Vehicle Risk Ratings system, ratings are given to cars from 1-99 and are based on:
Performance
Vulnerability to damage
Safety and security
Repairability
Mercedes A-Class insurance groups
In general, Mercedes A-Class insurance groups range between 14 and 37.
The cheapest A-Class to insure will likely be the A108d manual that’s placed in group 17. The automatic model is slightly higher in group 18.
The most expensive to insure will be the AMG variants. The A250e AMG Line Premium Plus five-door automatic sits in group 32.
There are loads of options between these, like the A-Class 200 Sport in group 23.
Average A-Class insurance costs
Though insurance groups and vehicle risk ratings can give an idea of insurance costs, individual factors will also have a big impact.
These can include:
Predicted annual mileage
Your driving history – including any previous insurance claims or convictions
Your job title
Where you park your car overnight
It’s best to get a quote direct from an insurer or price comparison website to see the most accurate insurance prices.
If you want the cheapest insurance for your Mercedes A-Class, we recommend choosing models with small engines and avoiding the top-spec AMG models (which is a shame, because they’re a lot of fun).
How A-Class insurance prices compare to rivals
The A-Class has a few premium hatchback rivals that you might also be considering, and insurance costs are comparable.
The BMW 1 Series ranges from insurance groups 15 to 41, but there are a lot more models to consider. The 116d option and 118i are good picks for low costs.
Similarly, the Audi A1 covers a wide range of insurance groups – from 14 to 31 from models past 2018. Look for the 25 TFSI in the Sport or Technik trim for what’s likely to be the lowest insurance prices.
How to get cheaper Mercedes A-Class car insurance
Besides choosing an A-Class from a low insurance group, there are a few things you can do to keep insurance costs low.
Cut down your annual mileage – this is easier said than done, but a higher annual mileage brings a higher risk of insurance claims
Pay annually – the monthly insurance fee is usually higher than paying it in one go
Consider a black box – these monitor your driving and can reward safe road users with cheaper insurance
Add another driver – another driver on your policy with plenty of experience can mean lower insurance costs
Avoid modifications – aftermarket mods can increase your insurance costs and even invalidate your warranty if you don’t declare them
Is the Mercedes A-Class cheap to insure?
So, Mercedes A-Class cars can be cheap to insure if you’re considerate when buying.
Choosing a model with a small engine and avoiding the absolute top spec models will keep costs low. Making some of the changes we mentioned above, like using a black box or lowering your mileage, can also cut insurance costs.
Browse our full range of used Mercedes A-Class models to find your perfect fit.
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