Mercury Mountaineer Insurance Rates
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UPDATED: Jun 2, 2023
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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 including full coverage. Comprehensive costs around $138, collision costs $152, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $1,906. Teens cost the most to insure at $3,648 a year or more.
Average premium for full coverage: $890
Policy rates for type of insurance:
Prices include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Mountaineer models.
Price Range Variability
For a 40-year-old driver, Mercury Mountaineer insurance rates go from the low end price of $496 for just liability insurance to the much higher price of $1,906 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
The examples above highlight why everyone should get quotes for a specific zip code, instead of 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.
More Rate Details
The chart below breaks down estimated Mercury Mountaineer insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $553
- Choosing higher $1,000 deductibles can save about $68 every year
- The estimated price for a good driver age 40 using $500 deductibles is $890
- Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,014
- Unlucky drivers with serious driving violations could pay at least $1,906 or more
- Policy cost that insures a teen driver for full coverage can be $3,648 each year
Car insurance rates for a Mercury Mountaineer also range considerably based on the model of your Mountaineer, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,500 extra every year, depending on your age. Mercury Mountaineer insurance for high-risk drivers ranges as much as 41% to 138% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $3,600 a year. View Rates by Age
Your home state 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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,270 on average in Michigan, New York, and Louisiana.
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 higher comprehensive and collision insurance deductibles can save as much as $200 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.
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 |
---|---|---|---|---|
2006 Mercury Mountaineer | $156 | $168 | $452 | $934 |
2005 Mercury Mountaineer | $142 | $160 | $446 | $906 |
2004 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 the Right Mercury Mountaineer Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a quick rundown of the data that was illustrated above.
- You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need increased levels of liability coverage will pay approximately $490 per year to raise limits from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $304 each month if full coverage is purchased
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,020 more every year to buy Mercury Mountaineer insurance
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.
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