Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance rates for a Mercury Mariner are $892 a year including full coverage. Comprehensive insurance costs on average $152, collision insurance costs $202, and liability is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs $1,918 or more. Teen drivers receive the highest rates at up to $3,558 a year.
Average premium for full coverage: $892
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Mariner models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $446 for just liability coverage to the much higher price of $1,918 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These examples highlight why everyone should get quotes based on a specific location and risk profile, 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.
Detailed 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
- Choosing higher $1,000 deductibles can save around $80 every year
- The average rate for a 40-year-old driver with $500 deductibles is $892
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $154 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,918
- The cost for full coverage for a 16-year-old driver for full coverage may cost $3,558 each year
Auto insurance rates for a Mercury Mariner can also vary considerably based on your driver profile, the model of your Mariner, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $3,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Mercury Mariner 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 as much as $1,270 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $240 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,500 in extra premium per year, depending on your age. Mercury Mariner insurance for high-risk drivers ranges from 42% to 137% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Cheaper Mercury Mariner Insurance
Saving money on insurance for a Mercury Mariner takes having a good driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,030 more each year to buy Mercury Mariner insurance
- You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $225 each year
- Insureds who require increased levels of liability coverage will pay about $440 per year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,046 |
| $250 | $976 |
| $500 | $892 |
| $1,000 | $812 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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