Mercury Mariner Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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The average auto insurance rates for a Mercury Mariner are $850 annually including full coverage. Comprehensive insurance costs on average $146 each year, collision costs $178, and liability is estimated at $390. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $1,818 or more. Teenage drivers cost the most to insure at $3,398 a year or more.
Average premium for full coverage: $850
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Mariner models.
Price Range Variability
Using a middle-aged driver as an example, Mercury Mariner insurance rates go from as cheap as $438 for basic liability insurance to a high rate of $1,818 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below breaks down estimated Mercury Mariner insurance rates for different risk profiles and scenarios.
- The best discount rate is $519
- Choosing higher $1,000 deductibles can save around $76 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $850
- Using low deductibles for comp and collision coverage costs an additional $138 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,818 or more
- Policy cost with full coverage for a 16-year-old driver may cost $3,398 each year
Insurance rates for a Mercury Mariner also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $220 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Mercury Mariner insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,210 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$82 | -9.6% |
| Alaska | $652 | -$198 | -23.3% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $968 | $118 | 13.9% |
| Colorado | $812 | -$38 | -4.5% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,158 | $308 | 36.2% |
| Louisiana | $1,256 | $406 | 47.8% |
| Maine | $526 | -$324 | -38.1% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $712 | -$138 | -16.2% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $756 | -$94 | -11.1% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $612 | -$238 | -28.0% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $748 | -$102 | -12.0% |
| New York | $894 | $44 | 5.2% |
| North Carolina | $490 | -$360 | -42.4% |
| North Dakota | $698 | -$152 | -17.9% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $872 | $22 | 2.6% |
| Oregon | $778 | -$72 | -8.5% |
| Pennsylvania | $806 | -$44 | -5.2% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $770 | -$80 | -9.4% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $744 | -$106 | -12.5% |
| Texas | $1,024 | $174 | 20.5% |
| Utah | $630 | -$220 | -25.9% |
| Vermont | $582 | -$268 | -31.5% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $654 | -$196 | -23.1% |
| West Virginia | $778 | -$72 | -8.5% |
| Wisconsin | $584 | -$266 | -31.3% |
| Wyoming | $756 | -$94 | -11.1% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $812 | $68 |
| Mercury Mariner Premier 2WD | $828 | $69 |
| Mercury Mariner AWD | $828 | $69 |
| Mercury Mariner Hybrid 2WD | $962 | $80 |
| Mercury Mariner Premier AWD | $844 | $70 |
| Mercury Mariner Hybrid AWD | $978 | $82 |
Rates assume 2009 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 | $148 | $182 | $398 | $864 |
| 2009 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2008 Mercury Mariner | $144 | $168 | $384 | $832 |
| 2006 Mercury Mariner | $126 | $152 | $376 | $790 |
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 Buy Cheaper Mercury Mariner Insurance
Finding cheaper rates on insurance for a Mercury Mariner takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Take the time to comparison shop every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the coverage data touched on in the above illustrations.
- You may be able to save as much as $90 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Teenagers pay the highest rates, with premiums being up to $283 each month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents pay on average $970 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,398 |
| 20 | $1,932 |
| 30 | $864 |
| 40 | $850 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $988 |
| $250 | $926 |
| $500 | $850 |
| $1,000 | $774 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $1,070 |
| 100/300 | $1,185 |
| 250/500 | $1,484 |
| 100 CSL | $1,116 |
| 300 CSL | $1,369 |
| 500 CSL | $1,553 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,786 |
| 20 | $3,074 |
| 30 | $1,836 |
| 40 | $1,818 |
| 50 | $1,738 |
| 60 | $1,718 |
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 | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $331 |
Discounts are estimated and may not be available from every company or in every state.
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