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.

U.S. average insurance rates for a Mercury Mountaineer are $890 a year for full coverage. Comprehensive costs an estimated $138, collision costs $152, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,906. Teenage drivers pay the highest rates at $3,648 a year or more.

Average premium for full coverage: $890

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Mountaineer models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above show why everyone should compare prices for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $553
• Using higher $1,000 deductibles will save approximately $68 a year
• The average rate for the average middle-age driver who has $500 deductibles is $890
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,014
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,906 or more
• The price for full coverage for a teenage driver for full coverage can cost as much as $3,648 or more

View Chart as Image

Insurance prices for a Mercury Mountaineer are also quite variable based on your driving record, the trim level of your Mountaineer, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may only pay around $800 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $3,600 a year. View Rates by Age

The state you live in has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see prices as low as $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $200 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,100 to $1,500 extra each year, depending on your age. Mercury Mountaineer insurance for high-risk drivers can be around 41% to 138% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 the Best Cheap Mercury Mountaineer Insurance

Getting lower rates on auto insurance requires being safe and accident-free, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a quick review of the data that was raised in the charts and tables above.

• Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
• Consumers who want more liability protection will pay an extra $490 each year to increase from a low limit to 250/500 limits
• Youthful drivers are charged the highest prices, with premiums as much as $304 a month for full coverage
• Drivers with a DUI or reckless driving violation pay an average of $1,020 more annually than a low-risk driver