Mercury Mountaineer Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
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Finding affordable Mercury Mountaineer insurance rates can save you lots of money. Price checking from numerous provides that offer insurance for Mercury vehicles can help you find a variety of different policies for your vehicle.
The average insurance prices for a Mercury Mountaineer are $890 every 12 months for full coverage. Comprehensive insurance costs around $138 a year, collision costs $152, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,906 or more. Teenage drivers cost the most to insure at $3,648 a year or more.
Average premium for full coverage: $890
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Mountaineer trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Mercury Mountaineer insurance rates go from the cheapest price of $496 for liability-only coverage to a high of $1,906 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code and their own driving history, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Mercury Mountaineer insurance rates for additional coverage choices and driver risks.
- The best discount rate is $553
- Using higher $1,000 deductibles will save about $822 a year
- The average price for a good driver age 40 using $500 deductibles is $890
- Using low $100 deductibles for physical damage coverage costs an extra $124 a year
- Drivers who are prone to accidents and violations could pay at least $1,906 or more
- Policy cost to insure a teen driver can be $3,648 or more
Auto insurance rates for a Mercury Mountaineer also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $200 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $3,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 138% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see rates as low as $590 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,270 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $806 | -$84 | -9.4% |
| Alaska | $684 | -$206 | -23.1% |
| Arizona | $740 | -$150 | -16.9% |
| Arkansas | $890 | -$0 | 0.0% |
| California | $1,016 | $126 | 14.2% |
| Colorado | $852 | -$38 | -4.3% |
| Connecticut | $916 | $26 | 2.9% |
| Delaware | $1,008 | $118 | 13.3% |
| Florida | $1,114 | $224 | 25.2% |
| Georgia | $822 | -$68 | -7.6% |
| Hawaii | $640 | -$250 | -28.1% |
| Idaho | $604 | -$286 | -32.1% |
| Illinois | $664 | -$226 | -25.4% |
| Indiana | $670 | -$220 | -24.7% |
| Iowa | $600 | -$290 | -32.6% |
| Kansas | $846 | -$44 | -4.9% |
| Kentucky | $1,216 | $326 | 36.6% |
| Louisiana | $1,320 | $430 | 48.3% |
| Maine | $548 | -$342 | -38.4% |
| Maryland | $736 | -$154 | -17.3% |
| Massachusetts | $714 | -$176 | -19.8% |
| Michigan | $1,548 | $658 | 73.9% |
| Minnesota | $746 | -$144 | -16.2% |
| Mississippi | $1,066 | $176 | 19.8% |
| Missouri | $790 | -$100 | -11.2% |
| Montana | $958 | $68 | 7.6% |
| Nebraska | $702 | -$188 | -21.1% |
| Nevada | $1,068 | $178 | 20.0% |
| New Hampshire | $642 | -$248 | -27.9% |
| New Jersey | $996 | $106 | 11.9% |
| New Mexico | $790 | -$100 | -11.2% |
| New York | $940 | $50 | 5.6% |
| North Carolina | $514 | -$376 | -42.2% |
| North Dakota | $728 | -$162 | -18.2% |
| Ohio | $618 | -$272 | -30.6% |
| Oklahoma | $916 | $26 | 2.9% |
| Oregon | $816 | -$74 | -8.3% |
| Pennsylvania | $852 | -$38 | -4.3% |
| Rhode Island | $1,190 | $300 | 33.7% |
| South Carolina | $806 | -$84 | -9.4% |
| South Dakota | $752 | -$138 | -15.5% |
| Tennessee | $782 | -$108 | -12.1% |
| Texas | $1,074 | $184 | 20.7% |
| Utah | $660 | -$230 | -25.8% |
| Vermont | $610 | -$280 | -31.5% |
| Virginia | $534 | -$356 | -40.0% |
| Washington | $690 | -$200 | -22.5% |
| West Virginia | $816 | -$74 | -8.3% |
| Wisconsin | $618 | -$272 | -30.6% |
| Wyoming | $794 | -$96 | -10.8% |
Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mountaineer 2WD | $860 | $72 |
| Mercury Mountaineer AWD | $876 | $73 |
| Mercury Mountaineer Premier 2WD | $900 | $75 |
| Mercury Mountaineer Premier AWD | $914 | $76 |
Rates assume 1999 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mountaineer | $162 | $182 | $468 | $970 |
| 2006 Mercury Mountaineer | $138 | $152 | $442 | $890 |
Rates are averaged for all Mercury Mountaineer models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Mercury Mountaineer Insurance
Finding cheaper rates on Mercury Mountaineer insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The list below is a quick review of the concepts that were raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,020 more every year for car insurance
- Teenagers are expensive to insure, costing up to $304 each month if comprehensive and collision insurance is included
- Drivers can save up to $100 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Drivers can save up to $100 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,648 |
| 20 | $2,028 |
| 30 | $902 |
| 40 | $890 |
| 50 | $818 |
| 60 | $800 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,014 |
| $250 | $960 |
| $500 | $890 |
| $1,000 | $822 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $890 |
| 50/100 | $1,002 |
| 100/300 | $1,113 |
| 250/500 | $1,400 |
| 100 CSL | $1,047 |
| 300 CSL | $1,290 |
| 500 CSL | $1,467 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,112 |
| 20 | $3,228 |
| 30 | $1,914 |
| 40 | $1,906 |
| 50 | $1,824 |
| 60 | $1,804 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $59 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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