Mercury Mountaineer Premier 2WD Insurance Rates

Estimated insurance rates for a Mercury Mountaineer Premier 2WD are $1,434 a year with full coverage. Comprehensive costs an estimated $340, collision costs $572, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,082. Teenage drivers pay the most at $5,216 a year or more.

Annual premium for full coverage: $1,434

Premium estimates broken down by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mercury Mountaineer Trim Level

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance rates for a Mercury Mountaineer Premier 2WD also have a wide range based on your driving characteristics, the actual cash value of your Mountaineer, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Mercury Mountaineer Premier 2WD insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $610 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be substantially different from one company to the next.

View Chart as Image

The chart above shows Mercury Mountaineer Premier 2WD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $826. Drivers who use higher $1,000 deductibles will pay around $1,226. The average rate for a driver around age 40 using $500 deductibles is $1,434. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,834. Drivers with multiple violations and accidents could be charged up to $3,082. The price for full coverage insurance for a teenage driver can be as high as $5,216.

View Chart as Image