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 for full coverage insurance. Comprehensive insurance costs approximately $138 a year, collision insurance costs $152, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $1,906 or more. Teens cost the most to insure at up to $3,648 a year.

Average premium for full coverage: $890

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Mercury Mountaineer insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $553
• Using higher $1,000 deductibles will save $822 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $890
• Selecting low $100 deductibles for physical damage coverage will cost an extra $124 a year
• Drivers with serious driving violations could pay around $1,906
• Policy cost for full coverage for a teen driver can cost $3,648 or more

View Chart as Image

Auto insurance rates for a Mercury Mountaineer also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,600 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,210 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $200 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 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 probably paying anywhere from $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 the average policy. 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 Cheap Mercury Mountaineer Insurance

Finding cheaper rates on Mercury Mountaineer insurance requires avoiding accidents and violations, having good credit, being claim-free, and possibly higher deductibles. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the data that was raised in the charts and tables above.

• It is possible to save around $100 per year just by quoting early and online
• Drivers who purchase higher liability limits will pay approximately $490 annually to increase from a 30/60 limit to 250/500 limits
• Teenagers have the highest car insurance rates, possibly costing $304 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,020 more per year for car insurance