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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U.S. average insurance prices for a Mercury Mariner are $864 every 12 months for full coverage. Comprehensive insurance costs on average $148 each year, collision insurance costs $182, and liability costs around $398. A policy with just liability insurance costs as low as $444 a year, and coverage for high-risk drivers costs $1,850 or more. Teenage drivers pay the highest rates at up to $3,454 a year.

Average premium for full coverage: $864

Price estimates by individual coverage:

Comprehensive $148
Collision $182
Liability $398

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Mariner models.

Price Range from Low to High

For the average driver, Mercury Mariner insurance prices range from the cheapest price of $444 for basic liability insurance to a high rate of $1,850 for a driver that may need high-risk insurance.

Liability Only $444
Full Coverage $864
High Risk $1,850

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

Rural Areas $648
Small Cities $907
Large Cities $1,166

The ranges above show why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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 average Mercury Mariner insurance rates for different risk profiles and scenarios.

  • The best discount rate is $527
  • Using higher $1,000 deductibles will save around $76 a year
  • The average price for the average middle-age driver with $500 deductibles is $864
  • Using low deductibles for physical damage coverage costs an extra $140 annually
  • High-risk insureds who are prone to accidents and violations could pay upwards of $1,850
  • The price to insure a 16-year-old driver may cost $3,454 or more

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing Mercury Mariner insurance prices range from $527 to $3,454 for full coverage

Insurance prices for a Mercury Mariner are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Mariner.

Using high physical damage deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Mercury Mariner insurance prices. A driver around age 40 might see prices as low as $570 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,230 on average in Michigan, Louisiana, and New York.

Mercury Mariner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $780 -$84 -9.7%
Alaska $664 -$200 -23.1%
Arizona $714 -$150 -17.4%
Arkansas $864 -$0 0.0%
California $982 $118 13.7%
Colorado $824 -$40 -4.6%
Connecticut $886 $22 2.5%
Delaware $976 $112 13.0%
Florida $1,076 $212 24.5%
Georgia $798 -$66 -7.6%
Hawaii $620 -$244 -28.2%
Idaho $584 -$280 -32.4%
Illinois $642 -$222 -25.7%
Indiana $650 -$214 -24.8%
Iowa $582 -$282 -32.6%
Kansas $818 -$46 -5.3%
Kentucky $1,178 $314 36.3%
Louisiana $1,278 $414 47.9%
Maine $534 -$330 -38.2%
Maryland $712 -$152 -17.6%
Massachusetts $686 -$178 -20.6%
Michigan $1,498 $634 73.4%
Minnesota $724 -$140 -16.2%
Mississippi $1,036 $172 19.9%
Missouri $766 -$98 -11.3%
Montana $926 $62 7.2%
Nebraska $678 -$186 -21.5%
Nevada $1,036 $172 19.9%
New Hampshire $622 -$242 -28.0%
New Jersey $966 $102 11.8%
New Mexico $762 -$102 -11.8%
New York $908 $44 5.1%
North Carolina $498 -$366 -42.4%
North Dakota $708 -$156 -18.1%
Ohio $594 -$270 -31.3%
Oklahoma $884 $20 2.3%
Oregon $792 -$72 -8.3%
Pennsylvania $822 -$42 -4.9%
Rhode Island $1,152 $288 33.3%
South Carolina $782 -$82 -9.5%
South Dakota $728 -$136 -15.7%
Tennessee $754 -$110 -12.7%
Texas $1,040 $176 20.4%
Utah $638 -$226 -26.2%
Vermont $590 -$274 -31.7%
Virginia $514 -$350 -40.5%
Washington $666 -$198 -22.9%
West Virginia $792 -$72 -8.3%
Wisconsin $596 -$268 -31.0%
Wyoming $768 -$96 -11.1%

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 $826 $69
Mercury Mariner Premier 2WD $842 $70
Mercury Mariner AWD $842 $70
Mercury Mariner Hybrid 2WD $976 $81
Mercury Mariner Premier AWD $858 $72
Mercury Mariner Hybrid AWD $994 $83

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 $152 $202 $402 $892
2009 Mercury Mariner $148 $182 $398 $864
2008 Mercury Mariner $146 $178 $390 $850
2006 Mercury Mariner $132 $160 $380 $808
2005 Mercury Mariner $126 $152 $376 $790

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 Shop for Cheap Mercury Mariner Insurance

Getting lower rates on insurance for a Mercury Mariner requires being a good driver, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief summary of the data that was touched on above.

  • Drivers can save as much as $100 per year just by quoting online in advance
  • Insureds who require an increased level of liability coverage will pay an extra $440 each year to increase from a low limit to a 250/500 level
  • Drivers age 16 to 20 pay the highest prices, with premiums as much as $288 a month if they have full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations pay an average of $990 more each year than a safer driver

Rates by Driver Age

Mercury Mariner Insurance Rates by Driver Age
Driver Age Premium
16 $3,454
20 $1,962
30 $878
40 $864
50 $794
60 $778

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,004
$250 $940
$500 $864
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $864
50/100 $1,088
100/300 $1,205
250/500 $1,509
100 CSL $1,134
300 CSL $1,392
500 CSL $1,579

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mariner Insurance Rates for High Risk Drivers
Age Premium
16 $4,864
20 $3,126
30 $1,866
40 $1,850
50 $1,766
60 $1,750

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 $114

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $52
5-yr Claim Free $54
Paid in Full/EFT $31
Advance Quote $37
Online Quote $58
Total Discounts $337
Rate after discounts $527

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

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