Mercury Mariner Insurance Rates

Average auto insurance rates for a Mercury Mariner are $808 annually including full coverage. Comprehensive costs approximately $132 a year, collision costs $160, and liability insurance costs $380. A liability-only policy costs as little as $428 a year, with high-risk insurance costing around $1,728. Teenage drivers receive the highest rates at $3,260 a year or more.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Mariner trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

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

These examples highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Mercury Mariner insurance rates for additional coverage and risk scenarios.

• The best discount rate is $497
• Drivers who choose higher $1,000 deductibles will pay $742 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance will cost $934
• High risk drivers who are prone to accidents and violations could pay around $1,728 or more
• The cost with full coverage for a teen driver can cost $3,260 a year

View Chart as Image

Insurance rates for a Mercury Mariner can also vary considerably based on the trim level of your Mariner, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $402 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mercury Mariner insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2005 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 Buy the Best Mercury Mariner Insurance

Saving money on Mercury Mariner insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The items below are a brief recap of the data covered in the above illustrations.

• Drivers who purchase more liability coverage will pay an extra $420 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save around $90 per year simply by quoting early and online
• Increasing deductibles could save up to $200 each year
• Teen drivers are expensive to insure, as much as $272 per month including comprehensive and collision insurance