1. Vehicles
  2. Mercury
  3. Mountaineer
  4. 2005 Model Year

2005 Mercury Mountaineer Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 6, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2005 Mercury Mountaineer are $970 a year for full coverage insurance. Comprehensive costs approximately $162 each year, collision insurance costs $182, and liability coverage costs around $468. Buying a liability-only policy costs as low as $518 a year, and high-risk insurance costs around $2,078. Teen drivers receive the highest rates at up to $3,920 a year.

Annual premium for full coverage: $970

Rate estimates for 2005 Mercury Mountaineer Insurance

Comprehensive $162
Collision $182
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 Mercury Mountaineer models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $518 for just liability coverage to a high rate of $2,078 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $970
High Risk $2,078

View Chart as Image

2005 Mercury Mountaineer insurance rates compared
Column chart showing 2005 Mercury Mountaineer insurance prices range from $596 to $3,920 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2005 Mercury Mountaineer Insurance

Searching Companies

Overwhelmed by the crazy number of insurance options? You’re not alone. Consumers have so many companies to choose from that it can quickly become a lot of work to find the lowest price.

These factors can influence what you pay for Mercury Mountaineer insurance

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

  • Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercury. A few examples of covered claims are collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more expense you have to pay, the bigger discount you will receive for Mountaineer insurance.
  • Save money with special equipment – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Careful drivers pay lower rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one ticket can increase rates by twenty percent. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you. If your Mercury scored better than four stars on Safercar.gov you are probably receiving a discount.

Cut your insurance rates with discounts

Auto insurance companies don’t list all their discounts very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Mountaineer insurance depending on your company.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, you’re out of luck.

Insurance companies who might offer these benefits are:

Before buying, ask each insurance company which discounts they offer. Savings may not be available everywhere.

You are unique and your car insurance should be too

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Do I pay less for low miles?
  • Can my babysitter drive my car?
  • How do I buy GAP insurance?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance coverage specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, a tree branch falling on your vehicle, falling objects and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, chiropractic care, doctor visits, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision insurance pays for damage to your Mountaineer from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, crashing into a ditch, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability – This will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, loss of income, funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Be Smart and Buy Smart

In this article, we presented quite a bit of information on how to lower your 2005 Mercury Mountaineer insurance rates. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

When shopping online for insurance, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cheaper insurance can be found on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

More detailed insurance information is located by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Mercury Mountaineer Insurance Rates by City
City Premium
New York City, NY $1,533
Los Angeles, CA $1,656
Philadelphia, PA $1,294
Jacksonville, FL $1,408
Phoenix, AZ $1,126
Chicago, IL $1,303
Houston, TX $1,518
Seattle, WA $945
Columbus, OH $813
Indianapolis, IN $825

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,920
20 $2,204
30 $986
40 $970
50 $890
60 $872

Full coverage, $500 deductibles

Rates by Deductible

2005 Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,048
$500 $970
$1,000 $890

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $970
50/100 $1,064
100/300 $1,181
250/500 $1,485
100 CSL $1,110
300 CSL $1,368
500 CSL $1,555

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,510
20 $3,510
30 $2,090
40 $2,078
50 $1,986
60 $1,964

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 $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $33
Advance Quote $41
Online Quote $65
Total Discounts $374
Rate after discounts $596

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2005 Mercury Mountaineer Insurance Rates by State
State Premium
Alabama $878
Alaska $746
Arizona $804
Arkansas $970
California $1,104
Colorado $928
Connecticut $998
Delaware $1,098
Florida $1,214
Georgia $894
Hawaii $696
Idaho $656
Illinois $724
Indiana $730
Iowa $652
Kansas $924
Kentucky $1,324
Louisiana $1,434
Maine $600
Maryland $798
Massachusetts $774
Michigan $1,684
Minnesota $810
Mississippi $1,164
Missouri $860
Montana $1,042
Nebraska $764
Nevada $1,164
New Hampshire $698
New Jersey $1,084
New Mexico $858
New York $1,022
North Carolina $558
North Dakota $794
Ohio $672
Oklahoma $996
Oregon $888
Pennsylvania $924
Rhode Island $1,294
South Carolina $878
South Dakota $820
Tennessee $850
Texas $1,168
Utah $718
Vermont $664
Virginia $580
Washington $750
West Virginia $888
Wisconsin $672
Wyoming $866

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles