Mercury Mariner Insurance Rates

The average auto insurance rates for a Mercury Mariner are $850 annually including full coverage. Comprehensive costs on average $146 each year, collision costs $178, and liability coverage is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $1,818. Teen 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:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Mariner models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Mercury Mariner insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $519
• Raising to $1,000 deductibles will save around $76 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $850
• Choosing low deductibles will cost $988
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $1,818 or more
• Policy cost with full coverage for a teenage driver may cost $3,398

View Chart as Image

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 no violations or accidents and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $220 a year, 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 each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find rates as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,210 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheap Mercury Mariner Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the information touched on in the above illustrations.

• You may be able to save as much as $90 per year simply by quoting online in advance
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $283 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers that tend to have accidents or serious violations pay on average $970 more each year than a driver with a clean driving record
• Consumers who require additional liability coverage will pay about $430 per year to raise from a 30/60 limit to higher 250/500 limits