About $2,732 a year for full coverage on a national average — 90% more than the $1,438 average car. Insurers rate the Mercedes-Benz G-Class at an index of 190 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the Mercedes-Benz G-Class: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 388, while Personal injury (PIP) sits at 42. Those 346 points are the real reason behind the price, and they are the part a quote form never shows you. Among 80 luxury suvs we hold data for, the G-Class ranks #72 from cheapest, above the class median of 109. Against what the car is worth the bill looks different again: a 2024 G-Class sells for a median $189,997, so a year of cover costs 1.4% of the car's value. Over 13 generations of data the index has fallen from 252 (2010-2012) to 190 (2022-2024). Calculated from 19 insurance-loss records and live US listing prices.
Why a G-Class costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $2,732: Liability (BI + PD) $1,311 · Collision $765 · Comprehensive $328 · Other (UM / PIP) $328.
The G-Class against its class
Every luxury suvs we hold insurance data for, cheapest to insure first. The G-Class is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury SUVs), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 109, roughly $1,560 a year.
How it changed by generation
Insurance-loss index of the G-Class across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The G-Class has become cheaper to insure over time (-62 points).
What a G-Class costs by state
Where you park matters as much as what you drive. The G-Class's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | G-Class est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Mercedes-Benz G-Class's loss index of 190 — your own quote also depends on age, record, deductible and ZIP.
Mercedes-Benz G-Class insurance — frequently asked
How much is insurance for a Mercedes-Benz G-Class?
About $2,732 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 190 applied to the US average premium.
Why is the G-Class expensive or cheap to insure?
For the Mercedes-Benz G-Class the costliest area is Comprehensive at an index of 388, covering theft, weather, vandalism, animals — against 42 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Mercedes-Benz G-Class lands at 190, not at what it costs new.
Is the G-Class cheaper to insure than rivals?
It ranks #72 of 80 in the luxury suvs class, where the median index is 109 against this car's 190. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 1.4% of what a 2024 G-Class sells for — $2,732 against a median price of $189,997. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 1.4% the G-Class sits on the cheap side of it.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same G-Class can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.