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: 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.

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

Average premium for full coverage: $890

Premium estimates by type of coverage:

Comprehensive $138
Collision $152
Liability $442

Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Mountaineer models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Mercury Mountaineer go from the low end price of $496 for just liability coverage to a high rate of $1,906 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences demonstrate why all drivers should compare prices based on a specific location, 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $553
  • Using higher $1,000 deductibles will save around $68 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $890
  • Choosing low deductibles for physical damage coverage bumps up the cost to $1,014
  • Drivers with multiple violations and an at-fault accident could pay upwards of $1,906 or more
  • An auto insurance policy that insures a teen driver may 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

Car insurance prices for a Mercury Mountaineer also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,100 to $1,500 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 138% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,600 a year. View Rates by Age

Where you choose to live 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 New Hampshire, Ohio, and Utah, or as much as $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

Choosing high deductibles could cut prices by as much as $200 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

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 the Cheapest Mercury Mountaineer Insurance

Finding better rates on Mercury Mountaineer insurance requires being a safe and courteous driver, having a positive credit history, being claim-free, and maximizing policy discounts. Shop around once a year by getting quotes from direct companies, and also from several local insurance agents.

Below is a recap of the data that was covered above.

  • You may be able to save as much as $100 per year simply by quoting online in advance
  • Drivers who require higher levels of liability will pay about $490 every year to increase from 30/60 bodily injury limits to the 250/500 level
  • Teenage drivers are expensive to insure, possibly costing $304 per month if full coverage is purchased
  • High-risk drivers that have major violations or accidents pay on average $1,020 more each year for auto insurance

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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