Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Mercury Mariner are $808 a year for full coverage. Comprehensive insurance costs on average $132, collision costs $160, and liability insurance is $380. Liability-only insurance costs around $428 a year, with high-risk driver insurance costing $1,728 or more. Teenage drivers pay the most at $3,260 a year or more.
Average premium for full coverage: $808
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Mariner trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Mercury Mariner go from the low end price of $428 for a discount liability-only rate to a much higher rate of $1,728 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates how location impacts car insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying 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.
Rates by State, City, and Model
The chart below shows estimated Mercury Mariner insurance rates for different risk profiles and scenarios.
- The best discount rate is $497
- Raising to $1,000 deductibles will save around $66 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $808
- Using more expensive low deductibles will cost an additional $126 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,728 or more
- An auto insurance policy that insures a teen driver with full coverage may cost $3,260
Insurance prices for a Mercury Mariner also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,000 to $1,400 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 138% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,200 a year. View Rates by Age
Where you choose to live also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find prices as low as $530 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,150 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $730 | -$78 | -9.7% |
Alaska | $620 | -$188 | -23.3% |
Arizona | $670 | -$138 | -17.1% |
Arkansas | $808 | -$0 | 0.0% |
California | $920 | $112 | 13.9% |
Colorado | $770 | -$38 | -4.7% |
Connecticut | $828 | $20 | 2.5% |
Delaware | $912 | $104 | 12.9% |
Florida | $1,006 | $198 | 24.5% |
Georgia | $746 | -$62 | -7.7% |
Hawaii | $580 | -$228 | -28.2% |
Idaho | $546 | -$262 | -32.4% |
Illinois | $602 | -$206 | -25.5% |
Indiana | $608 | -$200 | -24.8% |
Iowa | $542 | -$266 | -32.9% |
Kansas | $764 | -$44 | -5.4% |
Kentucky | $1,102 | $294 | 36.4% |
Louisiana | $1,194 | $386 | 47.8% |
Maine | $498 | -$310 | -38.4% |
Maryland | $666 | -$142 | -17.6% |
Massachusetts | $642 | -$166 | -20.5% |
Michigan | $1,402 | $594 | 73.5% |
Minnesota | $676 | -$132 | -16.3% |
Mississippi | $966 | $158 | 19.6% |
Missouri | $716 | -$92 | -11.4% |
Montana | $866 | $58 | 7.2% |
Nebraska | $636 | -$172 | -21.3% |
Nevada | $968 | $160 | 19.8% |
New Hampshire | $582 | -$226 | -28.0% |
New Jersey | $902 | $94 | 11.6% |
New Mexico | $712 | -$96 | -11.9% |
New York | $850 | $42 | 5.2% |
North Carolina | $464 | -$344 | -42.6% |
North Dakota | $662 | -$146 | -18.1% |
Ohio | $554 | -$254 | -31.4% |
Oklahoma | $826 | $18 | 2.2% |
Oregon | $740 | -$68 | -8.4% |
Pennsylvania | $770 | -$38 | -4.7% |
Rhode Island | $1,076 | $268 | 33.2% |
South Carolina | $732 | -$76 | -9.4% |
South Dakota | $680 | -$128 | -15.8% |
Tennessee | $704 | -$104 | -12.9% |
Texas | $974 | $166 | 20.5% |
Utah | $598 | -$210 | -26.0% |
Vermont | $552 | -$256 | -31.7% |
Virginia | $482 | -$326 | -40.3% |
Washington | $624 | -$184 | -22.8% |
West Virginia | $740 | -$68 | -8.4% |
Wisconsin | $556 | -$252 | -31.2% |
Wyoming | $718 | -$90 | -11.1% |
Using high physical damage deductibles can reduce prices by up to $200 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Mercury Mariner 2WD | $774 | $65 |
Mercury Mariner Premier 2WD | $790 | $66 |
Mercury Mariner AWD | $790 | $66 |
Mercury Mariner Hybrid 2WD | $916 | $76 |
Mercury Mariner Premier AWD | $806 | $67 |
Mercury Mariner Hybrid AWD | $932 | $78 |
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 | $162 | $222 | $402 | $922 |
2009 Mercury Mariner | $152 | $202 | $402 | $892 |
2008 Mercury Mariner | $148 | $182 | $398 | $864 |
2006 Mercury Mariner | $144 | $168 | $384 | $832 |
2005 Mercury Mariner | $132 | $160 | $380 | $808 |
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 Cheaper Mercury Mariner Insurance
Finding better rates on Mercury Mariner insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.
The points below are a condensed summary of the material that was touched on above.
- Drivers who require increased liability limits will pay an extra $420 each year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 pay higher prices, as much as $272 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents may pay on average $920 more each year to insure a Mercury Mariner
- Increasing policy deductibles can save approximately $200 each year
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,260 |
20 | $1,838 |
30 | $818 |
40 | $808 |
50 | $742 |
60 | $726 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $934 |
$250 | $878 |
$500 | $808 |
$1,000 | $742 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $808 |
50/100 | $1,021 |
100/300 | $1,133 |
250/500 | $1,423 |
100 CSL | $1,066 |
300 CSL | $1,311 |
500 CSL | $1,490 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $4,582 |
20 | $2,926 |
30 | $1,742 |
40 | $1,728 |
50 | $1,652 |
60 | $1,636 |
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 | $40 |
Multi-vehicle | $43 |
Homeowner | $14 |
5-yr Accident Free | $48 |
5-yr Claim Free | $50 |
Paid in Full/EFT | $28 |
Advance Quote | $34 |
Online Quote | $54 |
Total Discounts | $311 |
Discounts are estimated and may not be available from every company or in every state.
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