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 insurance. Comprehensive costs an estimated $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 broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of using average rates.

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

Rate Comparisons

The chart below illustrates estimated Mercury Mountaineer insurance rates for other coverage scenarios.

• The best discount rate is $553
• Drivers who choose higher $1,000 deductibles will pay approximately $822 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $890
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,014
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,906 or more
• Policy cost that insures a teen driver can cost as much as $3,648 a year

View Chart as Image

Auto insurance rates for a Mercury Mountaineer also range considerably based on the trim level of your Mountaineer, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 138% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $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 $590 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,210 on average in Florida, New York, and Michigan.

View Chart as Image

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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Cheaper Mercury Mountaineer Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a condensed summary of the information illustrated above.

• It is possible to save approximately $100 per year simply by quoting early and online
• Teen drivers are the costliest to insure, possibly costing $304 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,020 more annually to insure their Mountaineer
• Policyholders who want more liability coverage will pay an extra $490 annually to go from a 30/60 limit to the 250/500 level