Mercury Mariner Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Average insurance rates for a Mercury Mariner are $850 a year for full coverage. Comprehensive costs on average $146 a year, collision costs $178, and liability insurance costs $390. A liability-only policy costs as little as $438 a year, with high-risk insurance costing around $1,818. Teen drivers receive the highest rates at $3,398 a year or more.

Average premium for full coverage: $850

Rate estimates by individual coverage type:

Comprehensive $146
Collision $178
Liability $390

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Mariner trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $438 for only liability insurance to a high of $1,818 for a high risk driver.

Liability Only $438
Full Coverage $850
High Risk $1,818

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Mercury Mariner insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $519
  • Drivers who choose higher $1,000 deductibles will pay around $774 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $850
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $988
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,818 or more
  • The cost for full coverage for a teen driver may cost $3,398 a year

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing full coverage Mercury Mariner insurance rates range from $519 to $3,398

for a Mercury Mariner can also vary considerably based on your driver profile, the trim level of your Mariner, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,300 a year. View Rates by Age

Where you live makes a big difference in Mercury Mariner insurance rates. A 40-year-old driver could pay as low as $560 a year in states like Idaho, Maine, and Iowa, or as much as $1,210 on average in Michigan, Louisiana, and New York.

Mercury Mariner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $768 -$82 -9.6%
Alaska $652 -$198 -23.3%
Arizona $704 -$146 -17.2%
Arkansas $850 -$0 0.0%
California $968 $118 13.9%
Colorado $812 -$38 -4.5%
Connecticut $872 $22 2.6%
Delaware $958 $108 12.7%
Florida $1,060 $210 24.7%
Georgia $786 -$64 -7.5%
Hawaii $610 -$240 -28.2%
Idaho $574 -$276 -32.5%
Illinois $632 -$218 -25.6%
Indiana $640 -$210 -24.7%
Iowa $572 -$278 -32.7%
Kansas $806 -$44 -5.2%
Kentucky $1,158 $308 36.2%
Louisiana $1,256 $406 47.8%
Maine $526 -$324 -38.1%
Maryland $700 -$150 -17.6%
Massachusetts $676 -$174 -20.5%
Michigan $1,472 $622 73.2%
Minnesota $712 -$138 -16.2%
Mississippi $1,016 $166 19.5%
Missouri $756 -$94 -11.1%
Montana $910 $60 7.1%
Nebraska $668 -$182 -21.4%
Nevada $1,016 $166 19.5%
New Hampshire $612 -$238 -28.0%
New Jersey $948 $98 11.5%
New Mexico $748 -$102 -12.0%
New York $894 $44 5.2%
North Carolina $490 -$360 -42.4%
North Dakota $698 -$152 -17.9%
Ohio $584 -$266 -31.3%
Oklahoma $872 $22 2.6%
Oregon $778 -$72 -8.5%
Pennsylvania $806 -$44 -5.2%
Rhode Island $1,132 $282 33.2%
South Carolina $770 -$80 -9.4%
South Dakota $716 -$134 -15.8%
Tennessee $744 -$106 -12.5%
Texas $1,024 $174 20.5%
Utah $630 -$220 -25.9%
Vermont $582 -$268 -31.5%
Virginia $508 -$342 -40.2%
Washington $654 -$196 -23.1%
West Virginia $778 -$72 -8.5%
Wisconsin $584 -$266 -31.3%
Wyoming $756 -$94 -11.1%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

Choosing high deductibles could save up to $220 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $812 $68
Mercury Mariner Premier 2WD $828 $69
Mercury Mariner AWD $828 $69
Mercury Mariner Hybrid 2WD $962 $80
Mercury Mariner Premier AWD $844 $70
Mercury Mariner Hybrid AWD $978 $82

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.

Mercury Mariner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mariner $180 $268 $402 $986
2009 Mercury Mariner $174 $244 $406 $960
2008 Mercury Mariner $162 $222 $402 $922
2006 Mercury Mariner $148 $182 $398 $864
2005 Mercury Mariner $146 $178 $390 $850

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 Mercury Mariner insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $90 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $430 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $283 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $970 more each year for insurance

Rates by Driver Age

Mercury Mariner Insurance Rates by Driver Age
Driver Age Premium
16 $3,398
20 $1,932
30 $864
40 $850
50 $780
60 $764

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $988
$250 $926
$500 $850
$1,000 $774

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $850
50/100 $1,070
100/300 $1,185
250/500 $1,484
100 CSL $1,116
300 CSL $1,369
500 CSL $1,553

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mariner Insurance Rates for High Risk Drivers
Age Premium
16 $4,786
20 $3,074
30 $1,836
40 $1,818
50 $1,738
60 $1,718

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 $112

Potential Rate Discounts

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

Discount Savings
Multi-policy $43
Multi-vehicle $45
Homeowner $15
5-yr Accident Free $51
5-yr Claim Free $53
Paid in Full/EFT $30
Advance Quote $37
Online Quote $57
Total Discounts $331
Rate after discounts $519

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

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