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.

The average auto insurance rates for a Mercury Mountaineer are $890 annually for full coverage. Comprehensive costs on average $138 each year, collision costs $152, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $1,906. Teenage drivers cost the most to insure at $3,648 a year or more.

Average premium for full coverage: $890

Policy rates by type of insurance:

Comprehensive $138
Collision $152
Liability $442

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Mountaineer models.

Price Range Variability

For a driver in their 40's, Mercury Mountaineer insurance rates go from as cheap as $496 for your basic liability-only policy to a high rate of $1,906 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

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

The examples above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of 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.

More Rate Information

The chart below shows estimated Mercury Mountaineer insurance rates for different risk profiles and scenarios.

  • The best discount rate is $553
  • Choosing higher $1,000 deductibles can save around $68 a year
  • The estimated rate for a good driver age 40 with $500 deductibles is $890
  • Using low deductibles for comp and collision coverage will cost $1,014
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $1,906 or more
  • Policy cost with full coverage for a teen driver may cost $3,648 each year

View Chart as Image

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

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,100 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 138% more than a normal policy. View High Risk Driver Rates

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

Your home state plays a big part in determining prices for Mercury Mountaineer insurance prices. A good driver about age 40 could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,270 on average in Michigan, Louisiana, 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

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy the Best Mercury Mountaineer Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a brief recap of the car insurance concepts covered in the charts and tables above.

  • Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,020 more each year to insure their Mountaineer
  • Drivers can save as much as $100 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $200 each year
  • Policyholders who require more liability coverage will pay an extra $490 each year to raise limits from a 30/60 limit to higher 250/500 limits

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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