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 rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive costs approximately $138 a year, collision costs $152, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,906. Teenage 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:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details estimated Mercury Mountaineer insurance rates for additional coverage and risk scenarios.

• The best discount rate is $553
• Drivers who choose higher $1,000 deductibles will pay $822 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $890
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,014
• Drivers who are prone to accidents and violations could pay around $1,906 or more
• Policy cost for full coverage for a 16-year-old driver can cost $3,648 a year

View Chart as Image

Auto insurance rates for a Mercury Mountaineer also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,210 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $200 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Find Cheap Mercury Mountaineer Insurance

Finding cheaper rates on insurance for a Mercury Mountaineer not only requires being a low-risk driver, but also having good credit, not filing small claims, and not having any coverage lapses. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the material that was raised in the charts and tables above.

• Insureds who purchase more liability coverage will pay an extra $490 every year to go from a 30/60 limit to 250/500 limits
• Teen drivers have the highest car insurance rates, as much as $304 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,020 more per year to insure their Mountaineer
• Increasing comprehensive and collision deductibles can save around $200 each year