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.
Estimated auto insurance rates for a Mercury Mountaineer are $890 annually including full coverage. Comprehensive insurance costs approximately $138, collision insurance costs $152, and liability coverage costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs $1,906 or more. Teenage drivers pay the most at up to $3,648 a year.
Average premium for full coverage: $890
Premium estimates by type of coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Mountaineer trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mercury Mountaineer range from as cheap as $496 for basic liability insurance to a much higher rate of $1,906 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using 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.
Rate Comparisons
The chart below breaks down average Mercury Mountaineer insurance rates for additional coverage and risk scenarios.
- The best discount rate is $553
- Using higher $1,000 deductibles will save $68 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $890
- Using more expensive low deductibles for physical damage coverage costs an additional $124 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $1,906
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost $3,648 or more
Car insurance prices for a Mercury Mountaineer also have a wide range based on the model of your Mountaineer, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $3,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,500 extra annually, depending on your age. High-risk driver insurance can be around 41% to 138% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $200 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,270 on average in Louisiana, New York, and Michigan.
| 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% |
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 Buy Affordable Mercury Mountaineer Insurance
Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
Below is a brief review of the data raised in the charts and tables above.
- Consumers who purchase higher levels of liability will pay an extra $490 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save around $100 per year just by shopping early and online
- Increasing policy deductibles could save up to $200 each year
- Teenage drivers pay the highest auto insurance prices, with the cost nearing $304 per month if comprehensive and collision insurance is included
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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