Mercury Mountaineer Insurance Rates

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 rates for a Mercury Mountaineer are $890 a year including full coverage. Comprehensive insurance costs an estimated $138 a year, collision insurance costs $152, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,906 or more. Teen drivers cost the most to insure at up to $3,648 a year.

Average premium for full coverage: $890

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average Mercury Mountaineer insurance rates for other coverage scenarios.

• The lowest rate with discounts is $553
• Choosing higher $1,000 deductibles can save approximately $822 every year
• The average rate for a good driver age 40 who has $500 deductibles is $890
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $124 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,906
• Policy cost for full coverage for a teen driver can cost as much as $3,648 each year

View Chart as Image

Insurance rates for a Mercury Mountaineer also range considerably based on your risk profile, the model of your Mountaineer, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $3,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Mercury Mountaineer insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $200 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,100 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 138% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Mercury Mountaineer Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the data covered above.

• Policyholders who want more liability coverage will pay about $490 per year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $200 each year
• Teen drivers are expensive to insure, with premiums being up to $304 each month including comprehensive and collision insurance