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.

Average insurance rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive costs on average $138 each year, collision insurance costs $152, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $1,906. 16-year-old drivers receive the highest rates at up to $3,648 a year.

Average premium for full coverage: $890

Rate estimates by individual coverage type:

Comprehensive $138
Collision $152
Liability $442

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Mountaineer models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $496 for minimum levels of liability insurance to a high rate of $1,906 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

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

These examples demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on rate 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 Details

The chart below details average Mercury Mountaineer insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $553
  • Raising to $1,000 deductibles will save around $68 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $890
  • Buying low deductibles bumps up the cost to $1,014
  • Drivers with multiple tickets or accidents could pay upwards of $1,906
  • The cost that insures a 16-year-old driver may cost $3,648

View Chart as Image

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

Auto insurance rates for a Mercury Mountaineer can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 138% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $3,600 a year. View Rates by Age

Where you live also has a big influence on Mercury Mountaineer insurance prices. A middle-age driver might find rates as low as $640 a year in states like New Hampshire, Ohio, and Utah, or at least $1,210 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles can reduce rates by up to $200 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

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 the Best Cheap Mercury Mountaineer Insurance

Saving money on insurance for a Mercury Mountaineer consists of avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick review of the concepts that were illustrated above.

  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,020 more each year to insure a Mercury Mountaineer
  • Drivers under the age of 20 are charged the highest rates, with premiums as much as $304 per month if the policy includes full coverage
  • You may be able to save as much as $100 per year just by quoting online in advance
  • Increasing deductibles can save approximately $200 each year
  • You may be able to save as much as $100 per year just by quoting online in advance

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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