Mercury Mountaineer Insurance Rates

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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.

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

Average premium for full coverage: $890

Premium estimates broken down by type of coverage:

Comprehensive $138
Collision $152
Liability $442

Estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Mountaineer models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Mercury Mountaineer go from as low as $496 for the bare minimum liability coverage to the much higher price of $1,906 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $890
High Risk $1,906

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $668
Small Cities $935
Large Cities $1,202

These rate differences demonstrate why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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 Rate Information

The chart below details estimated Mercury Mountaineer insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $553
  • Choosing higher $1,000 deductibles can save approximately $68 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $890
  • Choosing pricier low deductibles for comp and collision coverage will cost an extra $124 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,906 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $3,648 each year

View Chart as Image

Mercury Mountaineer insurance cost comparison chart
Column chart showing full coverage Mercury Mountaineer insurance prices range from $553 to $3,648

Insurance prices for a Mercury Mountaineer also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $3,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mercury Mountaineer insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,210 on average in New York, Michigan, and Florida.

Mercury Mountaineer Insurance Rates by State
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%

View Chart as Image

Mercury Mountaineer insurance rates by U.S. city

Choosing high deductibles can save as much as $200 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,100 to $1,500 extra annually, depending on your age. Mercury Mountaineer insurance for high-risk drivers ranges from 41% to 138% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Mercury Mountaineer Insurance Rates by Model and Trim Level
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.

Mercury Mountaineer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mountaineer $166 $202 $474 $1,000
2006 Mercury Mountaineer $142 $160 $446 $906
2005 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 Find Low Cost Mercury Mountaineer Insurance

Finding better rates on insurance for a Mercury Mountaineer takes having a good driving record, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the data that was covered in the above illustrations.

  • You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date
  • Insureds who want increased levels of liability coverage will pay about $490 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are charged the highest prices, possibly costing $304 per month for full coverage
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,020 more annually to buy Mercury Mountaineer insurance

Rates by Driver Age

Mercury Mountaineer Insurance 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

Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
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

Mercury Mountaineer Insurance 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.

SR-22 Surcharge $116

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
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

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