Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance rates for a Mercury Mariner are $808 a year including full coverage. Comprehensive insurance costs on average $132 a year, collision insurance costs $160, and liability insurance is $380. A liability-only policy costs around $428 a year, and high-risk insurance costs $1,728 or more. Teen drivers receive the highest rates at up to $3,260 a year.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Mariner trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $428 for just liability coverage to a high of $1,728 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.
These examples highlight why it is important to compare rates quotes based on a specific location, rather than relying on price 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.
Detailed Rate Analysis
The chart below breaks down average Mercury Mariner insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $497
- Raising to $1,000 deductibles will save around $742 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $808
- Choosing low $100 deductibles will cost an additional $126 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,728
- The cost that insures a teen driver may cost $3,260
Insurance rates for a Mercury Mariner can also vary considerably based on the trim level of your Mariner, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 138% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $3,200 a year. View Rates by Age
Where you live also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,150 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $730 | -$78 | -9.7% |
Alaska | $620 | -$188 | -23.3% |
Arizona | $670 | -$138 | -17.1% |
Arkansas | $808 | -$0 | 0.0% |
California | $920 | $112 | 13.9% |
Colorado | $770 | -$38 | -4.7% |
Connecticut | $828 | $20 | 2.5% |
Delaware | $912 | $104 | 12.9% |
Florida | $1,006 | $198 | 24.5% |
Georgia | $746 | -$62 | -7.7% |
Hawaii | $580 | -$228 | -28.2% |
Idaho | $546 | -$262 | -32.4% |
Illinois | $602 | -$206 | -25.5% |
Indiana | $608 | -$200 | -24.8% |
Iowa | $542 | -$266 | -32.9% |
Kansas | $764 | -$44 | -5.4% |
Kentucky | $1,102 | $294 | 36.4% |
Louisiana | $1,194 | $386 | 47.8% |
Maine | $498 | -$310 | -38.4% |
Maryland | $666 | -$142 | -17.6% |
Massachusetts | $642 | -$166 | -20.5% |
Michigan | $1,402 | $594 | 73.5% |
Minnesota | $676 | -$132 | -16.3% |
Mississippi | $966 | $158 | 19.6% |
Missouri | $716 | -$92 | -11.4% |
Montana | $866 | $58 | 7.2% |
Nebraska | $636 | -$172 | -21.3% |
Nevada | $968 | $160 | 19.8% |
New Hampshire | $582 | -$226 | -28.0% |
New Jersey | $902 | $94 | 11.6% |
New Mexico | $712 | -$96 | -11.9% |
New York | $850 | $42 | 5.2% |
North Carolina | $464 | -$344 | -42.6% |
North Dakota | $662 | -$146 | -18.1% |
Ohio | $554 | -$254 | -31.4% |
Oklahoma | $826 | $18 | 2.2% |
Oregon | $740 | -$68 | -8.4% |
Pennsylvania | $770 | -$38 | -4.7% |
Rhode Island | $1,076 | $268 | 33.2% |
South Carolina | $732 | -$76 | -9.4% |
South Dakota | $680 | -$128 | -15.8% |
Tennessee | $704 | -$104 | -12.9% |
Texas | $974 | $166 | 20.5% |
Utah | $598 | -$210 | -26.0% |
Vermont | $552 | -$256 | -31.7% |
Virginia | $482 | -$326 | -40.3% |
Washington | $624 | -$184 | -22.8% |
West Virginia | $740 | -$68 | -8.4% |
Wisconsin | $556 | -$252 | -31.2% |
Wyoming | $718 | -$90 | -11.1% |
Choosing high deductibles can reduce rates by up to $200 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Mercury Mariner 2WD | $774 | $65 |
Mercury Mariner Premier 2WD | $790 | $66 |
Mercury Mariner AWD | $790 | $66 |
Mercury Mariner Hybrid 2WD | $916 | $76 |
Mercury Mariner Premier AWD | $806 | $67 |
Mercury Mariner Hybrid AWD | $932 | $78 |
Rates assume 2005 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 Mariner | $162 | $222 | $402 | $922 |
2009 Mercury Mariner | $152 | $202 | $402 | $892 |
2008 Mercury Mariner | $148 | $182 | $398 | $864 |
2006 Mercury Mariner | $144 | $168 | $384 | $832 |
2005 Mercury Mariner | $132 | $160 | $380 | $808 |
Rates are averaged for all Mercury Mariner 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 Mercury Mariner Insurance
Saving money on Mercury Mariner insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around every year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a brief recap of the coverage data touched on in the above illustrations.
- You may be able to save as much as $90 per year just by quoting early and online
- Increasing deductibles can save approximately $200 each year
- Teen drivers pay the highest rates, as much as $272 per month if full coverage is included
- High-risk drivers who tend to receive serious violations could be forced to pay on average $920 more each year to insure their Mariner
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,260 |
20 | $1,838 |
30 | $818 |
40 | $808 |
50 | $742 |
60 | $726 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $934 |
$250 | $878 |
$500 | $808 |
$1,000 | $742 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $808 |
50/100 | $1,021 |
100/300 | $1,133 |
250/500 | $1,423 |
100 CSL | $1,066 |
300 CSL | $1,311 |
500 CSL | $1,490 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $4,582 |
20 | $2,926 |
30 | $1,742 |
40 | $1,728 |
50 | $1,652 |
60 | $1,636 |
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 | $40 |
Multi-vehicle | $43 |
Homeowner | $14 |
5-yr Accident Free | $48 |
5-yr Claim Free | $50 |
Paid in Full/EFT | $28 |
Advance Quote | $34 |
Online Quote | $54 |
Total Discounts | $311 |
Discounts are estimated and may not be available from every company or in every state.
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