Mercedes-Benz EQC 400 4Matic Car Insurance Rates


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Mercedes-Benz is joining the all-electric car market with the 2020 EQC 400 4Matic, a full premium compact SUV crossover. The EQC is Germany’s first all-electric luxury car manufacturer and will cost $67,900. It has numerous features in the GLC series, however the EQC is to be a GLC upgrade.

The EQC 400 4Matic Mercedes-Benz is an electric SUV that is surprisingly inexpensive for a premium automobile insurance. The standard EQC 400 4Matic insurance cost is projected at around $250 a month or $3,000 a year – approx. double the average annual rate for most car models. However, at the base price of $67,900 the cost-to-base annual insurance ratio is only 4 percent on a national average.

How do I compare insurance for the EQC 400 4Matic?

Mercedes-Benz EQC 400 4Matic Car Insurance Rates - Mercedes-Benz Logo

Costly maintenance, less trained engineers and fewer on-road EVs are more expensive than gas-powered insurance.

  • Body type. The EQC is a small SUV crossover and a luxury all-electric car – all of which increase the price of insurance.
  • Fuel. The EQC runs with a claimed range of 200-220 miles on all-electric power with a single charge. This is not the most advanced range on the SUV electric luxury market, but should be enough for your daily travel. Repairing electric motors can be more costly than gas, partially offsetting your savings by not filling the tank.
  • Theft rates. Mercedes-Benz is the most common premium brand in the USA. This will be part of the ECQ charges, but it is also true that electric cars have a far lower chance of robbery than gas vehicles, particularly given they have to be locked in order to properly load.
  • Maintenance. The average annual maintenance cost of the Mercedes-Benz GLC model is above $1,000 according to the RepairPal website in December 2019. Sometimes, electric automobiles require lower maintenance, even if the cost is typically more than gas vehicles. These factors are crucial for the EQC’s insurance premiums.
  • Coverage. Since a quality automobile costs $65,000 in North, you will likely want to cover as much as you can. In addition to high liability limits, this provides full and collision coverage. Also make sure you establish uninsured engine property damage limits of $50,000 or $100,000.
  • Warranty. The four-year base warranty of Mercedes-Benz is 40,000 milles, which may be extended to 100,000 miles. A separate warranty is also planned for its electric battery. Every Mercedes-Benz warranty comes with roadside assistance, so you may save it on your insurance policy.
  • Manufacturer offer. Mercedes-Benz often offers numerous unique discounts for new automobiles, including cash-backs, special leases and low APR subsidies. See the best choice for your local dealership.

Does the Mercedes-Benz EQC 400 4Matic qualify for discounts?

The EQC 400 4Matic from Mercedes-Benz is eligible for a number of savings but the exact reductions depend on your model and insurance company.

  • Electric vehicle discount
  • Active restraint discount
  • Passive restraint discount
  • Anti Lock brakes discount
  • Antitheft discount
  • Airbag discount
  • Seatbelt pretensioners

How reliable is the Mercedes-Benz EQC 400 4Matic?

The official safety ratings in the USA had not been made public at the time of this writing, although the EQC 400 4Matic might be quite similar or better than the GLC. Furthermore, the EQC 400 4Matic has a five-star safety certificate from the Australian authorities.

  • Safety. The 2019 Mercedes-Benz GLC gets a safety rating of 9.8 out of 10, equivalent to the US News & World Report. The GLC 2019 is also certified as a Top Safety Pick+ by the Highway Institute (IIHS). The EQC 400 4Matic may be expected to have similarly excellent safety ratings, although official ratings will not be disclosed until they reach the market.
  • Reliability. J.D. Power rated GLC reliability in 2019 at 83 out of 100, compared to 3 out of 5 stars in consumer reports. The EQC 400 4Matic should get, based on previous GLC ratings, at least average or better confidence ratings.
  • Recalls. Mercedes-Benz is often less reminiscent than its competitors. The EQC is nevertheless its first all-electric vehicle, thus a reminder that it is at risk.

Bottom line

The Mercedes-Benz EQC 400 4Matic 2020 is a compact all-electric SUV. The car itself pays less than its competitors and strong safety features help make its insurance rates, especially as an electric luxury vehicle, affordable.

Before your new EQC coverage is finalized, make sure various insurance providers are looking for the least price.

For another car insurance review, visit our review of Audi E-Tron Car Insurance Rates.