Mercury Mountaineer Premier AWD Insurance Rates

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The average insurance rates for a Mercury Mountaineer Premier AWD are $1,480 a year for full coverage insurance. Comprehensive insurance costs an estimated $354, collision insurance costs $604, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $3,184 or more. Teenage drivers cost the most to insure at up to $5,360 a year.

Annual premium for full coverage: $1,480

Policy rates broken down by type of insurance:

Comprehensive $354
Collision $604
Liability $364

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

Price Range for Insurance for this Mercury Mountaineer Trim Level

For the average 40-year-old driver, Mercury Mountaineer Premier AWD insurance rates range from the low end price of $430 for liability-only coverage to a much higher rate of $3,184 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,480
High Risk $3,184

These price differences illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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Car insurance rates for a Mercury Mountaineer Premier AWD also range considerably based on the model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be from 45% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Mercury Mountaineer Premier AWD insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $640 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be varied.

View Chart as Image

Mercury Mountaineer Premier AWD insurance cost comparison chart
Column chart showing Mercury Mountaineer Premier AWD insurance prices range from $849 to $5,360 for full coverage

The chart estimates Mercury Mountaineer Premier AWD insurance prices for various risks and coverage choices. The cheapest discount price is $849. Drivers who use higher $1,000 deductibles will pay $1,262. The average price for a driver around age 40 using $500 deductibles is $1,480. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,900. Drivers with multiple violations and accidents could be charged around $3,184. The price for full coverage for a teenage driver can be as high as $5,360.

Mercury Mountaineer Premier AWD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,338 -$142 -9.6%
Alaska $1,134 -$346 -23.4%
Arizona $1,228 -$252 -17.0%
Arkansas $1,480 -$0 0.0%
California $1,686 $206 13.9%
Colorado $1,414 -$66 -4.5%
Connecticut $1,522 $42 2.8%
Delaware $1,674 $194 13.1%
Florida $1,850 $370 25.0%
Georgia $1,368 -$112 -7.6%
Hawaii $1,064 -$416 -28.1%
Idaho $1,000 -$480 -32.4%
Illinois $1,102 -$378 -25.5%
Indiana $1,114 -$366 -24.7%
Iowa $1,000 -$480 -32.4%
Kansas $1,406 -$74 -5.0%
Kentucky $2,018 $538 36.4%
Louisiana $2,190 $710 48.0%
Maine $912 -$568 -38.4%
Maryland $1,220 -$260 -17.6%
Massachusetts $1,184 -$296 -20.0%
Michigan $2,572 $1,092 73.8%
Minnesota $1,236 -$244 -16.5%
Mississippi $1,772 $292 19.7%
Missouri $1,312 -$168 -11.4%
Montana $1,588 $108 7.3%
Nebraska $1,168 -$312 -21.1%
Nevada $1,774 $294 19.9%
New Hampshire $1,066 -$414 -28.0%
New Jersey $1,654 $174 11.8%
New Mexico $1,310 -$170 -11.5%
New York $1,560 $80 5.4%
North Carolina $854 -$626 -42.3%
North Dakota $1,212 -$268 -18.1%
Ohio $1,020 -$460 -31.1%
Oklahoma $1,520 $40 2.7%
Oregon $1,354 -$126 -8.5%
Pennsylvania $1,412 -$68 -4.6%
Rhode Island $1,972 $492 33.2%
South Carolina $1,340 -$140 -9.5%
South Dakota $1,248 -$232 -15.7%
Tennessee $1,296 -$184 -12.4%
Texas $1,782 $302 20.4%
Utah $1,096 -$384 -25.9%
Vermont $1,012 -$468 -31.6%
Virginia $886 -$594 -40.1%
Washington $1,144 -$336 -22.7%
West Virginia $1,356 -$124 -8.4%
Wisconsin $1,026 -$454 -30.7%
Wyoming $1,320 -$160 -10.8%

View Chart as Image

Mercury Mountaineer Premier AWD insurance rates by U.S. city

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Rates by Driver Age

Mercury Mountaineer Premier AWD Insurance Rates by Driver Age
Driver Age Premium
16 $5,360
20 $3,390
30 $1,552
40 $1,480
50 $1,348
60 $1,322

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mountaineer Premier AWD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,900
$250 $1,706
$500 $1,480
$1,000 $1,262

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Premier AWD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,480
50/100 $1,553
100/300 $1,644
250/500 $1,880
100 CSL $1,589
300 CSL $1,789
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mountaineer Premier AWD Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,382
30 $3,264
40 $3,184
50 $3,034
60 $3,004

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 $203

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $70
Advance Quote $74
Online Quote $106
Total Discounts $631
Rate after discounts $849

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

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