Mercury Mountaineer Insurance Rates

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UPDATED: Apr 1, 2024

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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 rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive insurance costs on average $138 each year, collision costs $152, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,906 or more. 16-year-old drivers cost the most to insure at $3,648 a year or more.

Average premium for full coverage: $890

Policy rates by type of insurance:

Comprehensive $138
Collision $152
Liability $442

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Mountaineer models.

Price Range Variability

Using a middle-aged driver as an example, Mercury Mountaineer insurance rates go from the low end price of $496 for minimum levels of liability insurance to a high rate of $1,906 for a high-risk insurance policy.

Liability Only $496
Full Coverage $890
High Risk $1,906

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $668
Small Cities $935
Large Cities $1,202

The examples above demonstrate why all drivers should compare rates based on a specific location, 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 Details

The chart below details estimated Mercury Mountaineer insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $553
  • Drivers who choose higher $1,000 deductibles will pay around $68 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $890
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $124 every year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,906 or more
  • Policy cost that insures a teen driver may cost $3,648 a year

View Chart as Image

Mercury Mountaineer insurance cost comparison chart
Column chart showing full coverage Mercury Mountaineer insurance prices range from $553 to $3,648

Auto insurance rates for a Mercury Mountaineer also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,100 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 138% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $3,600 a year. View Rates by Age

Your home state makes a big difference in Mercury Mountaineer insurance prices. A 40-year-old driver could pay as low as $640 a year in states like New Hampshire, Ohio, and Utah, or at least $1,210 on average in Florida, Michigan, and New York.

Mercury Mountaineer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $806 -$84 -9.4%
Alaska $684 -$206 -23.1%
Arizona $740 -$150 -16.9%
Arkansas $890 -$0 0.0%
California $1,016 $126 14.2%
Colorado $852 -$38 -4.3%
Connecticut $916 $26 2.9%
Delaware $1,008 $118 13.3%
Florida $1,114 $224 25.2%
Georgia $822 -$68 -7.6%
Hawaii $640 -$250 -28.1%
Idaho $604 -$286 -32.1%
Illinois $664 -$226 -25.4%
Indiana $670 -$220 -24.7%
Iowa $600 -$290 -32.6%
Kansas $846 -$44 -4.9%
Kentucky $1,216 $326 36.6%
Louisiana $1,320 $430 48.3%
Maine $548 -$342 -38.4%
Maryland $736 -$154 -17.3%
Massachusetts $714 -$176 -19.8%
Michigan $1,548 $658 73.9%
Minnesota $746 -$144 -16.2%
Mississippi $1,066 $176 19.8%
Missouri $790 -$100 -11.2%
Montana $958 $68 7.6%
Nebraska $702 -$188 -21.1%
Nevada $1,068 $178 20.0%
New Hampshire $642 -$248 -27.9%
New Jersey $996 $106 11.9%
New Mexico $790 -$100 -11.2%
New York $940 $50 5.6%
North Carolina $514 -$376 -42.2%
North Dakota $728 -$162 -18.2%
Ohio $618 -$272 -30.6%
Oklahoma $916 $26 2.9%
Oregon $816 -$74 -8.3%
Pennsylvania $852 -$38 -4.3%
Rhode Island $1,190 $300 33.7%
South Carolina $806 -$84 -9.4%
South Dakota $752 -$138 -15.5%
Tennessee $782 -$108 -12.1%
Texas $1,074 $184 20.7%
Utah $660 -$230 -25.8%
Vermont $610 -$280 -31.5%
Virginia $534 -$356 -40.0%
Washington $690 -$200 -22.5%
West Virginia $816 -$74 -8.3%
Wisconsin $618 -$272 -30.6%
Wyoming $794 -$96 -10.8%

View Chart as Image

Mercury Mountaineer insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $200 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Mercury Mountaineer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mercury Mountaineer 2WD $860 $72
Mercury Mountaineer AWD $876 $73
Mercury Mountaineer Premier 2WD $900 $75
Mercury Mountaineer Premier AWD $914 $76

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.

Mercury Mountaineer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mountaineer $166 $202 $474 $1,000
2006 Mercury Mountaineer $142 $160 $446 $906
2005 Mercury Mountaineer $138 $152 $442 $890

Rates are averaged for all Mercury Mountaineer 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 Cheap Mercury Mountaineer Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at least every other year by requesting rates from direct companies, and also from several local insurance agents.

Below is a brief summary of the car insurance concepts touched on in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,020 more each year for auto insurance
  • You may be able to save as much as $100 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $200 each year
  • Policyholders who require higher levels of liability will pay around $490 every year to go from a 30/60 limit to the 250/500 level

Rates by Driver Age

Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,648
20 $2,028
30 $902
40 $890
50 $818
60 $800

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $1,002
100/300 $1,113
250/500 $1,400
100 CSL $1,047
300 CSL $1,290
500 CSL $1,467

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,112
20 $3,228
30 $1,914
40 $1,906
50 $1,824
60 $1,804

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 $116

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $337
Rate after discounts $553

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

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