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 for full coverage. Comprehensive costs approximately $138 a year, collision costs $152, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,906. Teen 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 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to compare rates using their specific location and risk profile, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $553
• Drivers who choose higher $1,000 deductibles will pay $822 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $890
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,014
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,906 or more
• Policy cost for full coverage for a teenage driver can cost $3,648 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect 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 rates. A 40-year-old driver could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or as much as $1,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $200 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so the 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 auto insurance not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the information covered in the above illustrations.

• Drivers can save around $100 per year simply by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, costing up to $304 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $200 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,020 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay about $490 each year to go from a 30/60 limit to 250/500 limits