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.

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:

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

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.

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.

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

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.

View Chart as Image

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

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 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