Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance rates for a Mercury Mariner are $832 a year for full coverage insurance. Comprehensive costs an estimated $144 a year, collision costs $168, and liability is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $1,778. 16-year-old drivers cost the most to insure at $3,326 a year or more.
Average premium for full coverage: $832
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Mariner trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mercury Mariner insurance rates go from as low as $432 for just the minimum liability insurance to a high of $1,778 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates how where you live affects insurance prices.
The examples above illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of using rate 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.
Additional Rate Analysis
The chart below illustrates estimated Mercury Mariner insurance rates for other coverage scenarios.
- The best full coverage rate is $510
- Raising to $1,000 deductibles will save approximately $760 each year
- The average rate for a good driver age 40 who has $500 deductibles is $832
- Buying low $100 deductibles will increase the cost to $966
- At-risk drivers with multiple tickets or accidents could pay up to $1,778 or more
- Policy cost for full coverage for a teen driver can cost as much as $3,326
Insurance rates for a Mercury Mariner also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,300 a year. View Rates by Age
Your home state also has a big influence on Mercury Mariner insurance prices. A middle-age driver might find rates as low as $540 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,120 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles can reduce rates by up to $210 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 134% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
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 Find the Best Mercury Mariner Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a brief recap of the data touched on in the above illustrations.
- Policyholders who want increased liability limits will pay around $420 annually to raise from a 30/60 limit to 250/500 limits
- It is possible to save approximately $90 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $200 each year
- Drivers under the age of 20 are charged the highest rates, possibly costing $277 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$49|
|5-yr Claim Free||$51|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.
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