Mercury Mariner Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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The average auto insurance rates for a Mercury Mariner are $892 annually including full coverage. Comprehensive costs on average $152, collision insurance costs $202, and liability is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs around $1,918. Teen drivers cost the most to insure at up to $3,558 a year.

Average premium for full coverage: $892

Policy rates by type of insurance:

Comprehensive $152
Collision $202
Liability $402

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Mariner trim levels.

Price Range Variability

For an average driver, Mercury Mariner insurance rates range from as cheap as $446 for just the minimum liability insurance to a much higher rate of $1,918 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $892
High Risk $1,918

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $669
Small Cities $937
Large Cities $1,204

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price 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.

Additional Rate Analysis

The chart below breaks down average Mercury Mariner insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $540
  • Raising to $1,000 deductibles will save around $80 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $892
  • Choosing more expensive low deductibles will cost $1,046
  • Drivers with multiple violations and an at-fault accident could pay upwards of $1,918
  • Policy cost with full coverage for a 16-year-old driver with full coverage may cost $3,558

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing Mercury Mariner insurance rates range from $540 to $3,558 for full coverage

Insurance rates for a Mercury Mariner also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $240 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mercury Mariner insurance prices. A middle-age driver might find rates as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,270 on average in Michigan, New York, and Louisiana.

Mercury Mariner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $806 -$86 -9.6%
Alaska $684 -$208 -23.3%
Arizona $740 -$152 -17.0%
Arkansas $892 -$0 0.0%
California $1,016 $124 13.9%
Colorado $850 -$42 -4.7%
Connecticut $916 $24 2.7%
Delaware $1,006 $114 12.8%
Florida $1,112 $220 24.7%
Georgia $826 -$66 -7.4%
Hawaii $642 -$250 -28.0%
Idaho $604 -$288 -32.3%
Illinois $664 -$228 -25.6%
Indiana $674 -$218 -24.4%
Iowa $602 -$290 -32.5%
Kansas $848 -$44 -4.9%
Kentucky $1,216 $324 36.3%
Louisiana $1,322 $430 48.2%
Maine $550 -$342 -38.3%
Maryland $736 -$156 -17.5%
Massachusetts $712 -$180 -20.2%
Michigan $1,548 $656 73.5%
Minnesota $748 -$144 -16.1%
Mississippi $1,068 $176 19.7%
Missouri $792 -$100 -11.2%
Montana $958 $66 7.4%
Nebraska $702 -$190 -21.3%
Nevada $1,070 $178 20.0%
New Hampshire $644 -$248 -27.8%
New Jersey $998 $106 11.9%
New Mexico $788 -$104 -11.7%
New York $938 $46 5.2%
North Carolina $514 -$378 -42.4%
North Dakota $734 -$158 -17.7%
Ohio $616 -$276 -30.9%
Oklahoma $914 $22 2.5%
Oregon $818 -$74 -8.3%
Pennsylvania $850 -$42 -4.7%
Rhode Island $1,190 $298 33.4%
South Carolina $808 -$84 -9.4%
South Dakota $752 -$140 -15.7%
Tennessee $780 -$112 -12.6%
Texas $1,076 $184 20.6%
Utah $662 -$230 -25.8%
Vermont $608 -$284 -31.8%
Virginia $536 -$356 -39.9%
Washington $688 -$204 -22.9%
West Virginia $818 -$74 -8.3%
Wisconsin $616 -$276 -30.9%
Wyoming $794 -$98 -11.0%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mercury Mariner Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mercury Mariner 2WD $850 $71
Mercury Mariner Premier 2WD $868 $72
Mercury Mariner AWD $868 $72
Mercury Mariner Hybrid 2WD $1,010 $84
Mercury Mariner Premier AWD $888 $74
Mercury Mariner Hybrid AWD $1,030 $86

Rates assume 2009 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.

Mercury Mariner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mariner $162 $222 $402 $922
2009 Mercury Mariner $152 $202 $402 $892
2008 Mercury Mariner $148 $182 $398 $864
2006 Mercury Mariner $144 $168 $384 $832
2005 Mercury Mariner $132 $160 $380 $808

Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Mercury Mariner Insurance

Finding cheaper rates on insurance for a Mercury Mariner consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,030 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher rates, with premiums being up to $297 each month if they have full coverage
  • You may be able to save as much as $100 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • You may be able to save as much as $100 per year just by shopping early and online

Rates by Driver Age

Mercury Mariner Insurance Rates by Driver Age
Driver Age Premium
16 $3,558
20 $2,036
30 $910
40 $892
50 $818
60 $802

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,046
$250 $976
$500 $892
$1,000 $812

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $892
50/100 $1,125
100/300 $1,243
250/500 $1,551
100 CSL $1,172
300 CSL $1,433
500 CSL $1,623

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mariner Insurance Rates for High Risk Drivers
Age Premium
16 $5,018
20 $3,242
30 $1,936
40 $1,918
50 $1,830
60 $1,812

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.

SR-22 Surcharge $119

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $55
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $60
Total Discounts $352
Rate after discounts $540

Discounts are estimated and may not be available from every company or in every state.

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