Mercury Mountaineer Insurance Rates
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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 including full coverage. Comprehensive costs approximately $138 a year, collision insurance costs $152, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $1,906. Teen drivers pay the highest rates at up to $3,648 a year.
Average premium for full coverage: $890
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Mountaineer trim levels.
Price Range from Low to High
For the normal driver, Mercury Mountaineer insurance prices range from the low end price of $496 for just liability insurance to a high of $1,906 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their specific location, instead of making a decision based 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.
More Rate Details
The chart below breaks down average Mercury Mountaineer insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $553
- Raising to $1,000 deductibles will save $822 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $890
- Choosing low $100 deductibles bumps up the cost to $1,014
- Drivers with multiple violations and an at-fault accident could pay around $1,906
- The price that insures a 16-year-old driver can cost $3,648
Insurance prices for a Mercury Mountaineer are also quite variable based on the trim level of your Mountaineer, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 138% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,600 a year. View Rates by Age
The state you live in also has a big influence on Mercury Mountaineer insurance prices. A middle-age driver might find prices as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,270 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles can reduce prices by up to $200 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
|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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2006 Mercury Mountaineer||$158||$178||$460||$954|
|2005 Mercury Mountaineer||$156||$168||$452||$934|
|2004 Mercury Mountaineer||$142||$160||$446||$906|
|2003 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 Best Cheap Mercury Mountaineer Insurance
Getting lower rates on insurance for a Mercury Mountaineer consists of avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Shop around once a year by requesting rates from direct car insurance companies, and also from local auto insurance providers.
The list below is a quick review of the data that was presented in the illustrations above.
- You may be able to save around $100 per year just by quoting early and online
- Insureds who purchase higher liability limits will pay about $490 per year to raise from a low limit to the 250/500 level
- Teenagers are expensive to insure, possibly costing $304 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,020 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$50|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.
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