Mercury Milan Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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The average insurance rates for a Mercury Milan are $874 a year for full coverage. Comprehensive costs approximately $148 each year, collision costs $192, and liability insurance is $398. Buying just liability costs around $444 a year, with insurance for high-risk drivers costing around $1,876. 16-year-old drivers cost the most to insure at $3,496 a year or more.
Average premium for full coverage: $874
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Milan models.
Price Range Variability
For a driver in their 40's, Mercury Milan insurance rates go from the low end price of $444 for just liability insurance to a high rate of $1,876 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.
The graphic below illustrates how location helps determine auto insurance prices.
The examples above show why all drivers should compare rates quotes using their specific location, rather than relying on rate 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 shows estimated Mercury Milan insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $531
- Raising to $1,000 deductibles will save $78 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $874
- Buying low deductibles bumps up the cost to $1,020
- Higher-risk drivers with multiple tickets or accidents could pay around $1,876 or more
- Policy cost that insures a teen driver can cost $3,496
Insurance rates for a Mercury Milan also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 127% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,400 a year. View Rates by Age
Your home state also has a big influence on Mercury Milan insurance rates. A middle-age driver might find rates as low as $580 a year in states like Iowa, Maine, and Idaho, or at least $1,250 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $790 | -$84 | -9.6% |
| Alaska | $672 | -$202 | -23.1% |
| Arizona | $724 | -$150 | -17.2% |
| Arkansas | $874 | -$0 | 0.0% |
| California | $994 | $120 | 13.7% |
| Colorado | $834 | -$40 | -4.6% |
| Connecticut | $898 | $24 | 2.7% |
| Delaware | $988 | $114 | 13.0% |
| Florida | $1,090 | $216 | 24.7% |
| Georgia | $808 | -$66 | -7.6% |
| Hawaii | $628 | -$246 | -28.1% |
| Idaho | $592 | -$282 | -32.3% |
| Illinois | $650 | -$224 | -25.6% |
| Indiana | $658 | -$216 | -24.7% |
| Iowa | $590 | -$284 | -32.5% |
| Kansas | $828 | -$46 | -5.3% |
| Kentucky | $1,192 | $318 | 36.4% |
| Louisiana | $1,294 | $420 | 48.1% |
| Maine | $540 | -$334 | -38.2% |
| Maryland | $720 | -$154 | -17.6% |
| Massachusetts | $696 | -$178 | -20.4% |
| Michigan | $1,518 | $644 | 73.7% |
| Minnesota | $732 | -$142 | -16.2% |
| Mississippi | $1,048 | $174 | 19.9% |
| Missouri | $776 | -$98 | -11.2% |
| Montana | $938 | $64 | 7.3% |
| Nebraska | $688 | -$186 | -21.3% |
| Nevada | $1,048 | $174 | 19.9% |
| New Hampshire | $630 | -$244 | -27.9% |
| New Jersey | $978 | $104 | 11.9% |
| New Mexico | $772 | -$102 | -11.7% |
| New York | $920 | $46 | 5.3% |
| North Carolina | $504 | -$370 | -42.3% |
| North Dakota | $718 | -$156 | -17.8% |
| Ohio | $600 | -$274 | -31.4% |
| Oklahoma | $894 | $20 | 2.3% |
| Oregon | $802 | -$72 | -8.2% |
| Pennsylvania | $834 | -$40 | -4.6% |
| Rhode Island | $1,166 | $292 | 33.4% |
| South Carolina | $792 | -$82 | -9.4% |
| South Dakota | $736 | -$138 | -15.8% |
| Tennessee | $764 | -$110 | -12.6% |
| Texas | $1,054 | $180 | 20.6% |
| Utah | $646 | -$228 | -26.1% |
| Vermont | $598 | -$276 | -31.6% |
| Virginia | $522 | -$352 | -40.3% |
| Washington | $674 | -$200 | -22.9% |
| West Virginia | $802 | -$72 | -8.2% |
| Wisconsin | $602 | -$272 | -31.1% |
| Wyoming | $776 | -$98 | -11.2% |
Opting for high physical damage deductibles can reduce rates by up to $230 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $421 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Milan | $838 | $70 |
| Mercury Milan Premier | $874 | $73 |
| Mercury Milan Premier AWD | $890 | $74 |
| Mercury Milan Hybrid | $990 | $83 |
Rates assume 2010 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 Milan | $148 | $192 | $398 | $874 |
| 2009 Mercury Milan | $146 | $188 | $390 | $860 |
| 2008 Mercury Milan | $144 | $178 | $384 | $842 |
| 2007 Mercury Milan | $132 | $170 | $380 | $818 |
| 2006 Mercury Milan | $126 | $162 | $376 | $800 |
Rates are averaged for all Mercury Milan 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 Mercury Milan Insurance
Finding cheaper rates on Mercury Milan insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every couple of years by getting quotes from direct carriers, and also from insurance agencies where you live.
The next list is a brief recap of the material that was covered in the charts and tables above.
- Drivers who purchase increased levels of liability coverage will pay around $440 each year to raise from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, costing up to $291 each month if full coverage is included
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,000 more per year to buy Mercury Milan insurance
- Increasing comprehensive and collision deductibles can save approximately $225 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,496 |
| 20 | $1,992 |
| 30 | $888 |
| 40 | $874 |
| 50 | $804 |
| 60 | $788 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,020 |
| $250 | $954 |
| $500 | $874 |
| $1,000 | $796 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $874 |
| 50/100 | $1,084 |
| 100/300 | $1,201 |
| 250/500 | $1,505 |
| 100 CSL | $1,130 |
| 300 CSL | $1,388 |
| 500 CSL | $1,575 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,924 |
| 20 | $3,174 |
| 30 | $1,894 |
| 40 | $1,876 |
| 50 | $1,792 |
| 60 | $1,776 |
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 | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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