Mercury Mariner Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 3, 2023
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U.S. average insurance prices for a Mercury Mariner are $850 every 12 months for full coverage insurance. Comprehensive costs an estimated $146, collision insurance costs $178, and liability insurance is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $1,818. 16-year-old drivers pay the highest rates at up to $3,398 a year.
Average premium for full coverage: $850
Price estimates broken down by individual coverage:
Estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Mariner models.
Price Range from Low to High
Using a 40-year-old driver as an example, Mercury Mariner insurance prices range from the cheapest price of $438 for a discount liability-only rate to the much higher price of $1,818 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on rate averages.
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.
Rates by State, City, and Model
The chart below illustrates average Mercury Mariner insurance rates for other coverage scenarios.
- The best full coverage rate is $519
- Raising to $1,000 deductibles will save approximately $76 each year
- The average price for the average middle-age driver who has $500 deductibles is $850
- Buying pricier low deductibles increases the price to $988
- Higher-risk drivers with multiple tickets or accidents could pay up to $1,818
- The price to insure a teen driver for full coverage can cost as much as $3,398
Insurance prices for a Mercury Mariner are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $220 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,000 to $1,400 additional each year, depending on your age. Mercury Mariner insurance for high-risk drivers is expensive and can cost anywhere from 41% to 131% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find prices as low as $560 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,150 on average in Florida, New York, and Michigan.
| 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% |
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 Shop for Low Cost Mercury Mariner Insurance
Getting lower rates on Mercury Mariner insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $970 more annually for Mariner insurance
- It is possible to save approximately $90 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers who want higher liability limits will pay around $430 annually to raise from a low limit to a 250/500 level
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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