Mercury Mariner Insurance Rates

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UPDATED: Jun 3, 2023

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Average insurance prices for a Mercury Mariner are $864 every 12 months including full coverage. Comprehensive insurance costs approximately $148, collision insurance costs $182, and liability insurance is estimated at $398. Liability-only coverage costs approximately $444 a year, and high-risk coverage costs $1,850 or more. Teenage drivers receive the highest rates at up to $3,454 a year.

Average premium for full coverage: $864

Rate estimates by individual coverage type:

Comprehensive $148
Collision $182
Liability $398

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Mariner trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $444 for the bare minimum liability coverage to a much higher rate of $1,850 for a driver who has had serious violations or accidents.

Liability Only $444
Full Coverage $864
High Risk $1,850

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $648
Small Cities $907
Large Cities $1,166

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, 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.

Additional Rate Information

The chart below breaks down average Mercury Mariner insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $527
  • Choosing higher $1,000 deductibles can save $76 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $864
  • Using more expensive low deductibles for comp and collision coverage costs an extra $140 a year
  • High-risk insureds who are prone to accidents and violations could pay around $1,850
  • The cost to insure a teen driver with full coverage can cost $3,454 each year

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing Mercury Mariner insurance prices range from $527 to $3,454 for full coverage

Car insurance rates for a Mercury Mariner can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Mariner.

Using high physical damage deductibles can save as much as $220 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $3,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,500 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Mercury Mariner insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,230 on average in Louisiana, New York, and Michigan.

Mercury Mariner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $780 -$84 -9.7%
Alaska $664 -$200 -23.1%
Arizona $714 -$150 -17.4%
Arkansas $864 -$0 0.0%
California $982 $118 13.7%
Colorado $824 -$40 -4.6%
Connecticut $886 $22 2.5%
Delaware $976 $112 13.0%
Florida $1,076 $212 24.5%
Georgia $798 -$66 -7.6%
Hawaii $620 -$244 -28.2%
Idaho $584 -$280 -32.4%
Illinois $642 -$222 -25.7%
Indiana $650 -$214 -24.8%
Iowa $582 -$282 -32.6%
Kansas $818 -$46 -5.3%
Kentucky $1,178 $314 36.3%
Louisiana $1,278 $414 47.9%
Maine $534 -$330 -38.2%
Maryland $712 -$152 -17.6%
Massachusetts $686 -$178 -20.6%
Michigan $1,498 $634 73.4%
Minnesota $724 -$140 -16.2%
Mississippi $1,036 $172 19.9%
Missouri $766 -$98 -11.3%
Montana $926 $62 7.2%
Nebraska $678 -$186 -21.5%
Nevada $1,036 $172 19.9%
New Hampshire $622 -$242 -28.0%
New Jersey $966 $102 11.8%
New Mexico $762 -$102 -11.8%
New York $908 $44 5.1%
North Carolina $498 -$366 -42.4%
North Dakota $708 -$156 -18.1%
Ohio $594 -$270 -31.3%
Oklahoma $884 $20 2.3%
Oregon $792 -$72 -8.3%
Pennsylvania $822 -$42 -4.9%
Rhode Island $1,152 $288 33.3%
South Carolina $782 -$82 -9.5%
South Dakota $728 -$136 -15.7%
Tennessee $754 -$110 -12.7%
Texas $1,040 $176 20.4%
Utah $638 -$226 -26.2%
Vermont $590 -$274 -31.7%
Virginia $514 -$350 -40.5%
Washington $666 -$198 -22.9%
West Virginia $792 -$72 -8.3%
Wisconsin $596 -$268 -31.0%
Wyoming $768 -$96 -11.1%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

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 $826 $69
Mercury Mariner Premier 2WD $842 $70
Mercury Mariner AWD $842 $70
Mercury Mariner Hybrid 2WD $976 $81
Mercury Mariner Premier AWD $858 $72
Mercury Mariner Hybrid AWD $994 $83

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.

Mercury Mariner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mariner $152 $202 $402 $892
2009 Mercury Mariner $148 $182 $398 $864
2008 Mercury Mariner $146 $178 $390 $850
2006 Mercury Mariner $132 $160 $380 $808
2005 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 the Cheapest Mercury Mariner Insurance

Saving money on Mercury Mariner insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below you'll find a recap of the ideas that were raised in the charts and tables above.

  • Youthful drivers pay the highest auto insurance rates, as much as $288 per month if the policy includes full coverage
  • High-risk drivers that have major violations or accidents could be charged and average of $990 more per year than a low-risk driver
  • Increasing deductibles could save as much as $225 each year
  • You may be able to save around $100 per year just by shopping early and online

Rates by Driver Age

Mercury Mariner Insurance Rates by Driver Age
Driver Age Premium
16 $3,454
20 $1,962
30 $878
40 $864
50 $794
60 $778

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,004
$250 $940
$500 $864
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $864
50/100 $1,088
100/300 $1,205
250/500 $1,509
100 CSL $1,134
300 CSL $1,392
500 CSL $1,579

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mariner Insurance Rates for High Risk Drivers
Age Premium
16 $4,864
20 $3,126
30 $1,866
40 $1,850
50 $1,766
60 $1,750

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 $114

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $52
5-yr Claim Free $54
Paid in Full/EFT $31
Advance Quote $37
Online Quote $58
Total Discounts $337
Rate after discounts $527

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

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