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.

The average insurance prices for a Mercury Mountaineer are $890 every 12 months including full coverage. Comprehensive insurance costs around $138 a year, collision insurance costs $152, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,906 or more. Teens cost the most to insure at up to $3,648 a year.

Average premium for full coverage: $890

Policy rates for type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Mercury Mountaineer insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $553
• Choosing higher $1,000 deductibles can save about $822 every year
• The average price for a good driver age 40 using $500 deductibles is $890
• Selecting low $100 deductibles for comp and collision coverage costs an extra $124 each year
• Drivers with serious driving violations could pay at least $1,906
• Policy cost to insure a teenage driver can be $3,648 each year

View Chart as Image

Insurance rates for a Mercury Mountaineer also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $200 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,100 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges around 41% to 138% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mercury Mountaineer insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for the Best Mercury Mountaineer Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the car insurance concepts touched on in this article.

• Drivers who tend to receive serious violations could be forced to pay on average $1,020 more every year for Mountaineer insurance
• You may be able to save up to $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• Consumers who may need higher liability limits will pay approximately $490 per year to raise limits from a 30/60 limit to a 250/500 level