Mercury Mariner Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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:

Comprehensive $132
Collision $160
Liability $380

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.

Liability Only $428
Full Coverage $808
High Risk $1,728

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.

Rural Areas $606
Small Cities $848
Large Cities $1,091

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

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing Mercury Mariner insurance prices range from $497 to $3,260 for full coverage

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.

Mercury Mariner Insurance Rates by State
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%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

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

Mercury Mariner Insurance Rates by Model and Trim Level
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.

Mercury Mariner Insurance Rates by Model Year
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

Rates by Driver Age

Mercury Mariner Insurance 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

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $934
$250 $878
$500 $808
$1,000 $742

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
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

Mercury Mariner Insurance 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.

SR-22 Surcharge $106

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
Rate after discounts $497

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

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