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We pulled Mercedes-Maybach S 650 Cabriolet car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2020 Mercedes-Maybach S 650 Cabriolet is $470.10 — or $5641.24 annually. However, your actual costs depend on your driving history, age, location and other factors. And some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.
Model Year
Allstate
Geico
State Farm
Farmers
Average
2018 Mercedes-Maybach S 650 Cabriolet
$644.00
–
$464.21
$437.68
$515.30
2020 Mercedes-Maybach S 650 Cabriolet
$409.00
–
$499.86
$455.62
$470.10
How we got these rates
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may differ based on details such as your ZIP, location, job type, annual mileage and more.
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How do I compare insurance for the Maybach S 650 Cabriolet?
This exclusive luxury car might require extra care and coverage to protect your pride and joy, driving up your premium. Plus, its stylish convertible top also poses more safety risk during an accident.
Body type. This luxury car sports a sleek convertible body, making it stylish but more hazardous than hardtop cars.
Fuel. At 16 mpg for combined city and highway driving, this car isn’t built for its fuel economy.
Theft. The Mercedes-Benz S-Class models include several reports of theft that range between one and three per 1,000. However, this exclusive car is likely to have few theft reports due to its limited production.
Maintenance. This car’s European parts and limited production may mean higher maintenance and repair costs. You might also pay more if you choose a specialist repair shop for your exclusive car.
Coverage. Due to this car’s top price tag and specialty design, you might opt for luxury car insurance to receive agreed value coverage and higher maximums. In addition, consider uninsured/underinsured motorist, comprehensive, umbrella and loan or lease gap insurance for added protection.
Insurer options. You might find yourself limited to luxury car insurance providers, which could drive your premium higher.
Warranty. Each new Mercedes-Benz comes with a four-year, 50,000-mile basic warranty and roadside assistance, including towing and trip interruption.
Does the Mercedes-Maybach S 650 Cabriolet qualify for discounts?
This car may have high coverage needs with an insurance premium to match, but it does include several discountable safety features:
Airbags
Antilock brakes
Antitheft device
Anti-whiplash restraints
Seatbelt pretensioners
Stability control
Why is insurance so high for the Maybach S 650 Cabriolet?
This Maybach model warrants higher rates for several reasons:
High MSRP. This car’s base price starts out around $250,000, making it more expensive for your insurance company to repair or replace.
Limited production. Mercedes-Benz kept this model exclusive with only 75 out of 300 cars manufactured for the US.
Convertible top. A dropdown top automatically bumps up insurance rates due to added safety risk.
Luxury car insurance. Opting for specialty insurance comes with an understandably higher cost.
Powerful engine. This convertible offers a zippy maximum speed of 155 mph with its turbocharged V-12, 621-horsepower engine in exchange for higher insurance premiums.
Why is insurance so expensive for the Mercedes-Benz Maybach S650 Cabriolet?
The Mercedes-Benz Maybach S650 Cabriolet costs more to insure because it boasts a high powered engine made for speed and power categorizing it as high-risk. Also, limited production and a specialty design make for high priced parts and labor.
How reliable is the Mercedes-Maybach S 650 Cabriolet?
This specific car offers little information on its safety and reliability. However, Mercedes-Benz includes high safety ratings and few reported problems for most of its other models.
Safety. Although top safety organizations haven’t rated this model, other Mercedes-Benz vehicles have received top marks.
Reliability. This car is a recent, limited production model, meaning it has little information about its reliability. However, most Mercedes-Benz cars include few reported problems.
Recalls. The Maybach S 650 Cabriolet has no recalls to date, suggesting the car’s solid remake of older Maybach models.
About this car
Welcome to the Mercedes-Benz Maybach S 650 Cabriolet, a highly exclusive vehicle with the most beautiful interior styling of any car on the road (writer bias).
Only 300 units produced worldwide for its final model year in 2018 for worldwide distribution, and between 75 and 90 units were sent to the US. Current information on this model is even harder to find than the car itself, as it’s a limited edition and was discontinued after 2018.
The base MSRP for a fully loaded Maybach S 650 Cabriolet would have set you back at a dear $3o0,000 USD, with a fully loaded unit pricing out at $350,000. You might be able to find used models with varying degrees of bells and whistles advertised for a ballpark price of $217,000 and up.
This ultra-luxury vehicle came equipped with a 6.0-liter V12 621-horsepower engine with a 7-speed dual-clutch, rear-wheel drive transmission. It can reach from zero to 60 in a sweet four seconds — superfast, considering its body weighed up to 6,000 lbs — and has a max speed of 155 mph. With speed like that, this car definitely wasn’t built for the faint of heart — nor for its fuel economy, getting up to 16 mpg between city and highway driving combined.
Its dash-mounted and outdated command system predates the cutting-edge MBUX infotainment system found in current models, but its luxurious leather-lined seats exude exclusive comfort. And its exterior is sleek and shiny, including beautifully styled Swarovski crystal-embedded headlamps. Simply put, it’s high-style to its finest.
No safety ratings are available for the Maybach S 650 Cabriolet.
Bottom line
The Maybach S 650 Cabriolet brings high rates because of its exclusive make, convertible top and coverage needs. However, paying extra for a specialty policy may be worth the added protection for your rare ride.
Find insurance providers that offer the luxury car protection you need. Still looking around? Compare rates for another make or model.
Sarah George is a personal finance writer at Finder who’s spent the last four years wielding her digital pen on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
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