Mercury Milan Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2023
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The average insurance rates for a Mercury Milan are $874 a year including full coverage. Comprehensive costs around $148 each year, collision costs $192, and liability coverage costs around $398. Liability-only insurance costs as low as $444 a year, with high-risk driver insurance costing around $1,876. Teen drivers cost the most to insure at $3,496 a year or more.
Average premium for full coverage: $874
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Milan models.
Price Range Variability
For the average 40-year-old driver, Mercury Milan insurance rates go from the low end price of $444 for just the minimum liability insurance to a high rate of $1,876 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code, rather than using price 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 breaks down estimated Mercury Milan insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $531
- Using higher $1,000 deductibles will save about $78 every year
- The estimated price for a good driver age 40 using $500 deductibles is $874
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,020
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,876 or more
- Policy cost that insures a teenage driver can be $3,496 or more
Auto insurance rates for a Mercury Milan also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,000 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 127% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $3,400 a year. View Rates by Age
Your home state has a huge impact on Mercury Milan insurance rates. A driver around age 40 might see rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,250 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $790 | -$84 | -9.6% |
| Alaska | $672 | -$202 | -23.1% |
| Arizona | $724 | -$150 | -17.2% |
| Arkansas | $874 | -$0 | 0.0% |
| California | $994 | $120 | 13.7% |
| Colorado | $834 | -$40 | -4.6% |
| Connecticut | $898 | $24 | 2.7% |
| Delaware | $988 | $114 | 13.0% |
| Florida | $1,090 | $216 | 24.7% |
| Georgia | $808 | -$66 | -7.6% |
| Hawaii | $628 | -$246 | -28.1% |
| Idaho | $592 | -$282 | -32.3% |
| Illinois | $650 | -$224 | -25.6% |
| Indiana | $658 | -$216 | -24.7% |
| Iowa | $590 | -$284 | -32.5% |
| Kansas | $828 | -$46 | -5.3% |
| Kentucky | $1,192 | $318 | 36.4% |
| Louisiana | $1,294 | $420 | 48.1% |
| Maine | $540 | -$334 | -38.2% |
| Maryland | $720 | -$154 | -17.6% |
| Massachusetts | $696 | -$178 | -20.4% |
| Michigan | $1,518 | $644 | 73.7% |
| Minnesota | $732 | -$142 | -16.2% |
| Mississippi | $1,048 | $174 | 19.9% |
| Missouri | $776 | -$98 | -11.2% |
| Montana | $938 | $64 | 7.3% |
| Nebraska | $688 | -$186 | -21.3% |
| Nevada | $1,048 | $174 | 19.9% |
| New Hampshire | $630 | -$244 | -27.9% |
| New Jersey | $978 | $104 | 11.9% |
| New Mexico | $772 | -$102 | -11.7% |
| New York | $920 | $46 | 5.3% |
| North Carolina | $504 | -$370 | -42.3% |
| North Dakota | $718 | -$156 | -17.8% |
| Ohio | $600 | -$274 | -31.4% |
| Oklahoma | $894 | $20 | 2.3% |
| Oregon | $802 | -$72 | -8.2% |
| Pennsylvania | $834 | -$40 | -4.6% |
| Rhode Island | $1,166 | $292 | 33.4% |
| South Carolina | $792 | -$82 | -9.4% |
| South Dakota | $736 | -$138 | -15.8% |
| Tennessee | $764 | -$110 | -12.6% |
| Texas | $1,054 | $180 | 20.6% |
| Utah | $646 | -$228 | -26.1% |
| Vermont | $598 | -$276 | -31.6% |
| Virginia | $522 | -$352 | -40.3% |
| Washington | $674 | -$200 | -22.9% |
| West Virginia | $802 | -$72 | -8.2% |
| Wisconsin | $602 | -$272 | -31.1% |
| Wyoming | $776 | -$98 | -11.2% |
Choosing high deductibles could cut rates by as much as $230 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $421 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Milan | $838 | $70 |
| Mercury Milan Premier | $874 | $73 |
| Mercury Milan Premier AWD | $890 | $74 |
| Mercury Milan Hybrid | $990 | $83 |
Rates assume 2010 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 Milan | $148 | $192 | $398 | $874 |
| 2009 Mercury Milan | $146 | $188 | $390 | $860 |
| 2008 Mercury Milan | $144 | $178 | $384 | $842 |
| 2007 Mercury Milan | $132 | $170 | $380 | $818 |
| 2006 Mercury Milan | $126 | $162 | $376 | $800 |
Rates are averaged for all Mercury Milan 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 Cheapest Mercury Milan Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a recap of the data touched on in this article.
- Consumers who may need additional liability coverage will pay about $440 per year to increase from a 30/60 limit to the 250/500 level
- You may be able to save up to $100 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $225 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $291 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,496 |
| 20 | $1,992 |
| 30 | $888 |
| 40 | $874 |
| 50 | $804 |
| 60 | $788 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,020 |
| $250 | $954 |
| $500 | $874 |
| $1,000 | $796 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $874 |
| 50/100 | $1,084 |
| 100/300 | $1,201 |
| 250/500 | $1,505 |
| 100 CSL | $1,130 |
| 300 CSL | $1,388 |
| 500 CSL | $1,575 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,924 |
| 20 | $3,174 |
| 30 | $1,894 |
| 40 | $1,876 |
| 50 | $1,792 |
| 60 | $1,776 |
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 | $44 |
| Multi-vehicle | $47 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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