Mercury Mariner Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $144
Collision $168
Liability $384

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.

Liability Only $432
Full Coverage $832
High Risk $1,778

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.

Rural Areas $624
Small Cities $874
Large Cities $1,123

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

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing full coverage Mercury Mariner insurance prices range from $510 to $3,326

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.

Mercury Mariner Insurance Rates by State
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%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

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

Mercury Mariner Insurance Rates by Model and Trim Level
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.

Mercury Mariner Insurance Rates by Model Year
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

Rates by Driver Age

Mercury Mariner Insurance 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

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $832
$1,000 $760

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
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

Mercury Mariner Insurance 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.

SR-22 Surcharge $109

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
Rate after discounts $510

Discounts are estimated and may not be available from every company or in every state.

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