Mercury Mariner Insurance Rates

The average insurance rates for a Mercury Mariner are $850 a year including full coverage. Comprehensive costs approximately $146 a year, collision costs $178, and liability costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $1,818. Teens cost the most to insure at $3,398 a year or more.

Average premium for full coverage: $850

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Mariner trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Mercury Mariner insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $519
• Drivers who choose higher $1,000 deductibles will pay $774 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $850
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $988
• Higher-risk drivers with serious driving violations could pay around $1,818 or more
• Policy cost for full coverage for a teen driver can cost $3,398 a year

View Chart as Image

Insurance rates for a Mercury Mariner also range considerably based on your risk profile, the model of your Mariner, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state makes a big difference in Mercury Mariner insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,210 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates will be varied from one company to the next.

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 Find Affordable Mercury Mariner Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the ideas that were covered above.

• Teenagers are the costliest to insure, with premiums being up to $283 each month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $970 more per year for car insurance
• Increasing comprehensive and collision deductibles can save around $225 each year
• You may be able to save around $90 per year simply by quoting early and online