Mercury Mariner Insurance Rates
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UPDATED: Aug 23, 2022
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The average auto insurance rates for a Mercury Mariner are $832 annually with full coverage. Comprehensive insurance costs approximately $144, collision insurance costs $168, and liability is estimated at $384. Buying just liability costs approximately $432 a year, and insurance for high-risk drivers costs $1,778 or more. Teen drivers cost the most to insure at up to $3,326 a year.
Average premium for full coverage: $832
Policy rates by type of insurance:
Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Mariner models.
Price Range Variability
For a 40-year-old driver, Mercury Mariner insurance rates range from as cheap as $432 for minimum levels of liability insurance to the much higher price of $1,778 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
The examples above demonstrate why everyone should get quotes using their 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 Details
The chart below details average Mercury Mariner insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $510
- Choosing higher $1,000 deductibles can save $72 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $832
- Choosing pricier low deductibles for comp and collision coverage costs an additional $134 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,778
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost $3,326 each year
Insurance rates for a Mercury Mariner also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,400 extra every year, depending on your age. Mercury Mariner insurance for high-risk drivers ranges from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $210 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Mercury Mariner insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,120 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $750 | -$82 | -9.9% |
| Alaska | $638 | -$194 | -23.3% |
| Arizona | $688 | -$144 | -17.3% |
| Arkansas | $832 | -$0 | 0.0% |
| California | $948 | $116 | 13.9% |
| Colorado | $792 | -$40 | -4.8% |
| Connecticut | $854 | $22 | 2.6% |
| Delaware | $940 | $108 | 13.0% |
| Florida | $1,038 | $206 | 24.8% |
| Georgia | $768 | -$64 | -7.7% |
| Hawaii | $598 | -$234 | -28.1% |
| Idaho | $564 | -$268 | -32.2% |
| Illinois | $618 | -$214 | -25.7% |
| Indiana | $628 | -$204 | -24.5% |
| Iowa | $560 | -$272 | -32.7% |
| Kansas | $788 | -$44 | -5.3% |
| Kentucky | $1,134 | $302 | 36.3% |
| Louisiana | $1,230 | $398 | 47.8% |
| Maine | $512 | -$320 | -38.5% |
| Maryland | $686 | -$146 | -17.5% |
| Massachusetts | $662 | -$170 | -20.4% |
| Michigan | $1,442 | $610 | 73.3% |
| Minnesota | $698 | -$134 | -16.1% |
| Mississippi | $996 | $164 | 19.7% |
| Missouri | $738 | -$94 | -11.3% |
| Montana | $892 | $60 | 7.2% |
| Nebraska | $654 | -$178 | -21.4% |
| Nevada | $996 | $164 | 19.7% |
| New Hampshire | $600 | -$232 | -27.9% |
| New Jersey | $928 | $96 | 11.5% |
| New Mexico | $734 | -$98 | -11.8% |
| New York | $874 | $42 | 5.0% |
| North Carolina | $478 | -$354 | -42.5% |
| North Dakota | $682 | -$150 | -18.0% |
| Ohio | $570 | -$262 | -31.5% |
| Oklahoma | $852 | $20 | 2.4% |
| Oregon | $762 | -$70 | -8.4% |
| Pennsylvania | $792 | -$40 | -4.8% |
| Rhode Island | $1,108 | $276 | 33.2% |
| South Carolina | $756 | -$76 | -9.1% |
| South Dakota | $700 | -$132 | -15.9% |
| Tennessee | $728 | -$104 | -12.5% |
| Texas | $1,002 | $170 | 20.4% |
| Utah | $616 | -$216 | -26.0% |
| Vermont | $568 | -$264 | -31.7% |
| Virginia | $498 | -$334 | -40.1% |
| Washington | $640 | -$192 | -23.1% |
| West Virginia | $762 | -$70 | -8.4% |
| Wisconsin | $574 | -$258 | -31.0% |
| Wyoming | $740 | -$92 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $796 | $66 |
| Mercury Mariner Premier 2WD | $814 | $68 |
| Mercury Mariner AWD | $814 | $68 |
| Mercury Mariner Hybrid 2WD | $942 | $79 |
| Mercury Mariner Premier AWD | $830 | $69 |
| Mercury Mariner Hybrid AWD | $958 | $80 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $174 | $244 | $406 | $960 |
| 2009 Mercury Mariner | $162 | $222 | $402 | $922 |
| 2008 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2006 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2005 Mercury Mariner | $144 | $168 | $384 | $832 |
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 the Best Cheap Mercury Mariner Insurance
Finding cheaper rates on insurance for a Mercury Mariner takes not taking risks behind the wheel, having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the data illustrated above.
- Insureds who purchase higher liability limits will pay about $420 every year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save around $90 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Teens are expensive to insure, as much as $277 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,326 |
| 20 | $1,888 |
| 30 | $846 |
| 40 | $832 |
| 50 | $764 |
| 60 | $748 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $966 |
| $250 | $906 |
| $500 | $832 |
| $1,000 | $760 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $832 |
| 50/100 | $1,048 |
| 100/300 | $1,161 |
| 250/500 | $1,455 |
| 100 CSL | $1,094 |
| 300 CSL | $1,342 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $3,000 |
| 30 | $1,792 |
| 40 | $1,778 |
| 50 | $1,696 |
| 60 | $1,678 |
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 | $42 |
| Multi-vehicle | $44 |
| Homeowner | $15 |
| 5-yr Accident Free | $49 |
| 5-yr Claim Free | $51 |
| Paid in Full/EFT | $29 |
| Advance Quote | $36 |
| Online Quote | $56 |
| Total Discounts | $322 |
Discounts are estimated and may not be available from every company or in every state.
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