Mercury Mountaineer Insurance Rates

Finding affordable Mercury Mountaineer insurance rates can save you lots of money. Price checking from numerous provides that offer insurance for Mercury vehicles can help you find a variety of different policies for your vehicle.

U.S. average auto insurance rates for a Mercury Mountaineer are $890 annually for full coverage insurance. Comprehensive costs on average $138 each year, collision insurance costs $152, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,906. Teenage drivers pay the highest rates at up to $3,648 a year.

Average premium for full coverage: $890

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Mountaineer models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates average Mercury Mountaineer insurance rates for different risk profiles and scenarios.

• The best discount rate is $553
• Using higher $1,000 deductibles will save around $68 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $890
• Using low deductibles for physical damage coverage will cost $1,014
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,906
• The price with full coverage for a 16-year-old driver may cost $3,648 or more

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Insurance prices for a Mercury Mountaineer are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers can be from 41% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $200 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mercury Mountaineer insurance prices. A driver around age 40 might see prices as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,210 on average in Michigan, New York, and Florida.

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Insurance Rates by Trim Level and Model Year

Rates assume 1999 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.

How to Buy Cheap Mercury Mountaineer Insurance

Getting lower rates on insurance for a Mercury Mountaineer requires avoiding accidents and claims, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the coverage data illustrated above.

• It is possible to save as much as $100 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $200 each year
• Drivers under the age of 20 pay higher prices, as much as $304 a month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,020 more each year to insure a Mercury Mountaineer