Mercury Mariner Insurance Rates
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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: Jun 3, 2023
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Average insurance rates for a Mercury Mariner are $850 a year including full coverage. Comprehensive costs approximately $146 a year, collision insurance costs $178, and liability costs around $390. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs around $1,818. Teen drivers receive the highest rates at up to $3,398 a year.
Average premium for full coverage: $850
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Mariner trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $438 for a discount liability-only rate to a high of $1,818 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.
These examples highlight why it is important to compare prices using their specific location, instead of making a decision based on price 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 breaks down average Mercury Mariner insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $519
- Using higher $1,000 deductibles will save $774 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $850
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $988
- High-risk insureds with multiple violations and an at-fault accident could pay around $1,818
- The cost that insures a 16-year-old driver can cost $3,398 or more
Insurance rates for a Mercury Mariner can also vary considerably based on the trim level of your Mariner, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 additional per year, depending on your age. A high-risk auto insurance policy can be from 41% to 131% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age
Where you live has a huge impact on Mercury Mariner insurance prices. A driver around age 40 might see rates as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,210 on average in Louisiana, 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% |
Choosing high deductibles could cut rates by as much as $220 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
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 Find the Right Mercury Mariner Insurance
Saving money on insurance for a Mercury Mariner requires being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
Below is a quick rundown of the car insurance concepts illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions will likely pay on average $970 more per year for auto insurance
- You may be able to save around $90 per year just by quoting early and online
- Increasing deductibles can save approximately $225 each year
- Insureds who purchase higher levels of liability will pay about $430 per year to increase from a minimum limit to the 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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