Mercury Milan Insurance Rates
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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: Jun 3, 2023
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The average insurance rates for a Mercury Milan are $874 a year for full coverage. Comprehensive insurance costs on average $148 a year, collision costs $192, and liability coverage costs around $398. Buying just liability costs as low as $444 a year, with insurance for high-risk drivers costing $1,876 or more. Teens cost the most to insure at $3,496 a year or more.
Average premium for full coverage: $874
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Milan trim levels.
Price Range Variability
For a driver around age 40, Mercury Milan insurance rates go from the low end price of $444 for basic liability insurance to a high of $1,876 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why it is important to compare prices based on a specific location, rather than using averaged prices.
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.
Rate Comparisons
The chart below shows estimated Mercury Milan insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $531
- Using higher $1,000 deductibles will save around $796 a year
- The estimated price for a good driver age 40 with $500 deductibles is $874
- Selecting low $100 deductibles for physical damage coverage will cost an additional $146 each year
- Higher-risk drivers with serious driving violations could pay upwards of $1,876 or more
- Policy cost that insures a teenage driver may cost $3,496 or more
Insurance rates for a Mercury Milan also range considerably based on the trim level of your Milan, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 127% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,400 a year. View Rates by Age
Your home state has a huge impact on Mercury Milan insurance rates. A driver around age 40 might see rates as low as $580 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,250 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $230 a year, while buying higher liability limits will cost you more. 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 exactly what you will pay is to get quotes and see how they stack up. Each insurance company calculates rates differently, 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 More Affordable Mercury Milan Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a summary of the data that was covered above.
- Drivers can save as much as $100 per year simply by quoting early and online
- Consumers who require higher liability limits will pay approximately $440 each year to increase from a 30/60 limit to the 250/500 level
- Teenagers pay the highest rates, costing up to $291 each month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,000 more each year for car insurance
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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