Mercury Mountaineer Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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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.

U.S. average insurance rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive costs approximately $138 a year, collision costs $152, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,906. Teen drivers pay the highest rates at $3,648 a year or more.

Average premium for full coverage: $890

Price estimates by individual coverage:

Comprehensive $138
Collision $152
Liability $442

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Mountaineer trim levels.

Price Range from Low to High

For the average driver, Mercury Mountaineer insurance prices go from as low as $496 for just the minimum liability insurance to a high of $1,906 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

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

The ranges above demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on 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 details estimated Mercury Mountaineer insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $553
  • Using higher $1,000 deductibles will save $822 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $890
  • Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,014
  • Drivers with multiple violations and an at-fault accident could pay around $1,906 or more
  • The price for full coverage for a teen driver can cost $3,648 or more

View Chart as Image

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

Insurance prices for a Mercury Mountaineer are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,600 a year. View Rates by Age

The state you live in has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,210 on average in New York, Michigan, and Florida.

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

Choosing high deductibles could cut prices by as much as $200 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 138% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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
2006 Mercury Mountaineer $156 $168 $452 $934
2005 Mercury Mountaineer $142 $160 $446 $906
2004 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

Getting lower rates on Mercury Mountaineer insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the data that was touched on above.

  • You may be able to save around $100 per year simply by quoting early and online
  • Drivers who purchase more liability coverage will pay about $490 every year to increase from a low limit to 250/500 limits
  • Teen drivers are expensive to insure, costing up to $304 a month for full coverage
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,020 more per year to insure their Mountaineer

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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