Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance prices for a Mercury Mariner are $832 every 12 months for full coverage. Comprehensive insurance costs around $144, collision costs $168, and liability costs around $384. Buying just liability costs as low as $432 a year, with insurance for high-risk drivers costing $1,778 or more. Teenage drivers receive the highest rates at $3,326 a year or more.
Average premium for full coverage: $832
Rate estimates for individual coverage type:
These estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Mariner trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $432 for just the minimum liability insurance to a much higher rate of $1,778 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, 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.
Additional Rate Analysis
The chart below shows estimated Mercury Mariner insurance rates for additional coverage choices and driver risks.
- The best discount rate is $510
- Using higher $1,000 deductibles will save about $72 a year
- The average price for a 40-year-old driver using $500 deductibles is $832
- Using more expensive low deductibles for physical damage coverage costs an extra $134 annually
- High-risk insureds who are prone to accidents and violations could pay at least $1,778 or more
- The cost to insure a 16-year-old driver with full coverage can be $3,326 or more
Auto insurance rates for a Mercury Mariner can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $210 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $800 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $3,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,000 to $1,400 in extra premium per year, depending on your age. High-risk driver insurance can be from 42% to 134% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Mercury Mariner insurance prices. A driver around age 40 might see rates as low as $550 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,190 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $750 | -$82 | -9.9% |
| Alaska | $638 | -$194 | -23.3% |
| Arizona | $688 | -$144 | -17.3% |
| Arkansas | $832 | -$0 | 0.0% |
| California | $948 | $116 | 13.9% |
| Colorado | $792 | -$40 | -4.8% |
| Connecticut | $854 | $22 | 2.6% |
| Delaware | $940 | $108 | 13.0% |
| Florida | $1,038 | $206 | 24.8% |
| Georgia | $768 | -$64 | -7.7% |
| Hawaii | $598 | -$234 | -28.1% |
| Idaho | $564 | -$268 | -32.2% |
| Illinois | $618 | -$214 | -25.7% |
| Indiana | $628 | -$204 | -24.5% |
| Iowa | $560 | -$272 | -32.7% |
| Kansas | $788 | -$44 | -5.3% |
| Kentucky | $1,134 | $302 | 36.3% |
| Louisiana | $1,230 | $398 | 47.8% |
| Maine | $512 | -$320 | -38.5% |
| Maryland | $686 | -$146 | -17.5% |
| Massachusetts | $662 | -$170 | -20.4% |
| Michigan | $1,442 | $610 | 73.3% |
| Minnesota | $698 | -$134 | -16.1% |
| Mississippi | $996 | $164 | 19.7% |
| Missouri | $738 | -$94 | -11.3% |
| Montana | $892 | $60 | 7.2% |
| Nebraska | $654 | -$178 | -21.4% |
| Nevada | $996 | $164 | 19.7% |
| New Hampshire | $600 | -$232 | -27.9% |
| New Jersey | $928 | $96 | 11.5% |
| New Mexico | $734 | -$98 | -11.8% |
| New York | $874 | $42 | 5.0% |
| North Carolina | $478 | -$354 | -42.5% |
| North Dakota | $682 | -$150 | -18.0% |
| Ohio | $570 | -$262 | -31.5% |
| Oklahoma | $852 | $20 | 2.4% |
| Oregon | $762 | -$70 | -8.4% |
| Pennsylvania | $792 | -$40 | -4.8% |
| Rhode Island | $1,108 | $276 | 33.2% |
| South Carolina | $756 | -$76 | -9.1% |
| South Dakota | $700 | -$132 | -15.9% |
| Tennessee | $728 | -$104 | -12.5% |
| Texas | $1,002 | $170 | 20.4% |
| Utah | $616 | -$216 | -26.0% |
| Vermont | $568 | -$264 | -31.7% |
| Virginia | $498 | -$334 | -40.1% |
| Washington | $640 | -$192 | -23.1% |
| West Virginia | $762 | -$70 | -8.4% |
| Wisconsin | $574 | -$258 | -31.0% |
| Wyoming | $740 | -$92 | -11.1% |
With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $796 | $66 |
| Mercury Mariner Premier 2WD | $814 | $68 |
| Mercury Mariner AWD | $814 | $68 |
| Mercury Mariner Hybrid 2WD | $942 | $79 |
| Mercury Mariner Premier AWD | $830 | $69 |
| Mercury Mariner Hybrid AWD | $958 | $80 |
Rates assume 2005 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 | $174 | $244 | $406 | $960 |
| 2009 Mercury Mariner | $162 | $222 | $402 | $922 |
| 2008 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2006 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2005 Mercury Mariner | $144 | $168 | $384 | $832 |
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 Cheap Mercury Mariner Insurance
Saving money on insurance for a Mercury Mariner requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief summary of the data that was presented in the illustrations above.
- Drivers can save up to $90 per year simply by shopping early and online
- Insureds who may need higher liability limits will pay an extra $420 each year to increase from a minimum limit to a 250/500 level
- Teens are expensive to insure, costing as high as $277 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $950 more every year for Mariner insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,326 |
| 20 | $1,888 |
| 30 | $846 |
| 40 | $832 |
| 50 | $764 |
| 60 | $748 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $966 |
| $250 | $906 |
| $500 | $832 |
| $1,000 | $760 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $832 |
| 50/100 | $1,048 |
| 100/300 | $1,161 |
| 250/500 | $1,455 |
| 100 CSL | $1,094 |
| 300 CSL | $1,342 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $3,000 |
| 30 | $1,792 |
| 40 | $1,778 |
| 50 | $1,696 |
| 60 | $1,678 |
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 | $42 |
| Multi-vehicle | $44 |
| Homeowner | $15 |
| 5-yr Accident Free | $49 |
| 5-yr Claim Free | $51 |
| Paid in Full/EFT | $29 |
| Advance Quote | $36 |
| Online Quote | $56 |
| Total Discounts | $322 |
Discounts are estimated and may not be available from every company or in every state.
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