Mercury Mountaineer Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 including full coverage. Comprehensive costs an estimated $138 each year, collision costs $152, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $1,906. Teen drivers pay the most at $3,648 a year or more.
Average premium for full coverage: $890
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Mountaineer models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mercury Mountaineer go from the low end price of $496 for just liability insurance to a high rate of $1,906 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These rate differences highlight why all drivers should get quotes for a targeted area, instead of using 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 estimated Mercury Mountaineer insurance rates for other coverage scenarios.
- The lowest rate with discounts is $553
- Choosing higher $1,000 deductibles can save approximately $68 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $890
- Choosing low deductibles for comp and collision coverage bumps up the cost to $1,014
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,906 or more
- An auto insurance policy that insures a teen driver can cost as much as $3,648 each year
Insurance prices for a Mercury Mountaineer also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,100 to $1,500 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 138% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Mercury Mountaineer insurance prices. A good driver about age 40 could pay 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 |
|---|---|---|---|
| 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% |
Choosing high deductibles can save as much as $200 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and prices will be substantially different.
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 |
|---|---|---|---|---|
| 2010 Mercury Mountaineer | $162 | $182 | $468 | $970 |
| 2006 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 Affordable Mercury Mountaineer Insurance
Finding better rates on car insurance takes being a low-risk driver, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a brief review of the data touched on in the above illustrations.
- Policyholders who want more liability coverage will pay about $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
- You may be able to save approximately $100 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $200 each year
- Teen drivers are expensive to insure, with the cost nearing $304 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,014 |
| $250 | $960 |
| $500 | $890 |
| $1,000 | $822 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
