Insurance for Mercury Vehicles
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 25, 2024
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The following table shows average insurance prices for some of the more popular Mercury vehicles. Some additional models are linked at the end of this page
| Vehicle Model | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner | $1,292 | $108 |
| Mercury Milan | $1,322 | $110 |
| Mercury Mountaineer | $1,398 | $117 |
| Get Rates for Your Model Go | ||
Rates assume current 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.
The prior chart averages rate data from all Mercury models in the table above to show how variations in coverage can impact the price of car insurance.
Auto insurance rates for a Mercury range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,600 a year.
Your home state makes a big difference in Mercury insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,720 on average in California, Montana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,178 | -$128 | -9.8% |
| Alaska | $1,000 | -$306 | -23.4% |
| Arizona | $1,082 | -$224 | -17.2% |
| Arkansas | $1,306 | -$0 | 0.0% |
| California | $1,486 | $180 | 13.8% |
| Colorado | $1,246 | -$60 | -4.6% |
| Connecticut | $1,340 | $34 | 2.6% |
| Delaware | $1,476 | $170 | 13.0% |
| Florida | $1,630 | $324 | 24.8% |
| Georgia | $1,208 | -$98 | -7.5% |
| Hawaii | $938 | -$368 | -28.2% |
| Idaho | $884 | -$422 | -32.3% |
| Illinois | $972 | -$334 | -25.6% |
| Indiana | $982 | -$324 | -24.8% |
| Iowa | $882 | -$424 | -32.5% |
| Kansas | $1,238 | -$68 | -5.2% |
| Kentucky | $1,780 | $474 | 36.3% |
| Louisiana | $1,932 | $626 | 47.9% |
| Maine | $806 | -$500 | -38.3% |
| Maryland | $1,078 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$266 | -20.4% |
| Michigan | $2,266 | $960 | 73.5% |
| Minnesota | $1,094 | -$212 | -16.2% |
| Mississippi | $1,564 | $258 | 19.8% |
| Missouri | $1,158 | -$148 | -11.3% |
| Montana | $1,402 | $96 | 7.4% |
| Nebraska | $1,028 | -$278 | -21.3% |
| Nevada | $1,566 | $260 | 19.9% |
| New Hampshire | $942 | -$364 | -27.9% |
| New Jersey | $1,460 | $154 | 11.8% |
| New Mexico | $1,152 | -$154 | -11.8% |
| New York | $1,374 | $68 | 5.2% |
| North Carolina | $752 | -$554 | -42.4% |
| North Dakota | $1,072 | -$234 | -17.9% |
| Ohio | $898 | -$408 | -31.2% |
| Oklahoma | $1,338 | $32 | 2.5% |
| Oregon | $1,196 | -$110 | -8.4% |
| Pennsylvania | $1,242 | -$64 | -4.9% |
| Rhode Island | $1,740 | $434 | 33.2% |
| South Carolina | $1,184 | -$122 | -9.3% |
| South Dakota | $1,102 | -$204 | -15.6% |
| Tennessee | $1,142 | -$164 | -12.6% |
| Texas | $1,574 | $268 | 20.5% |
| Utah | $966 | -$340 | -26.0% |
| Vermont | $892 | -$414 | -31.7% |
| Virginia | $780 | -$526 | -40.3% |
| Washington | $1,006 | -$300 | -23.0% |
| West Virginia | $1,196 | -$110 | -8.4% |
| Wisconsin | $902 | -$404 | -30.9% |
| Wyoming | $1,162 | -$144 | -11.0% |
Using high physical damage deductibles could save up to $570 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $285 extra every year
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Mercury insurance for high-risk drivers can cost anywhere from 45% to 128% more than a normal policy.
Because rates have so much variability, the only way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
Additional Mercury Vehicles
- Mercury Capri Insurance
- Mercury Cougar Insurance
- Mercury Grand-Marquis Insurance
- Mercury Marauder Insurance
- Mercury Milan Hybrid Insurance
- Mercury Montego Insurance
- Mercury Monterey Insurance
- Mercury Mystique Insurance
- Mercury Sable Insurance
- Mercury Topaz Insurance
- Mercury Villager Insurance
U.S. averages for full coverage Mercury vehicle insurance
National average data is compiled from all 50 U.S. states for the Mercury models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,696 |
| 20 | $2,982 |
| 30 | $1,372 |
| 40 | $1,306 |
| 50 | $1,190 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,508 |
| $500 | $1,306 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,720 |
| 20 | $4,732 |
| 30 | $2,874 |
| 40 | $2,804 |
| 50 | $2,668 |
| 60 | $2,642 |
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 | $70 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $94 |
| Total Discounts | $557 |
Discounts are estimated and may not be available from every company or in every state.
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