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 $832 a year for full coverage. Comprehensive costs on average $144 a year, collision costs $168, and liability insurance costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $1,778. Teen drivers receive the highest rates at $3,326 a year or more.

Average premium for full coverage: $832

Rate estimates by individual coverage type:

Comprehensive $144
Collision $168
Liability $384

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 $432 for only liability insurance to a high of $1,778 for a high risk driver.

Liability Only $432
Full Coverage $832
High Risk $1,778

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 $624
Small Cities $874
Large Cities $1,123

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 $510
  • Drivers who choose higher $1,000 deductibles will pay around $760 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $832
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $966
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,778 or more
  • The cost for full coverage for a teen driver may cost $3,326 a year

View Chart as Image

Mercury Mariner insurance cost comparison chart
Column chart showing full coverage Mercury Mariner insurance rates range from $510 to $3,326

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 $550 a year in states like Idaho, Maine, and Iowa, or as much as $1,190 on average in Michigan, Louisiana, and New York.

Mercury Mariner Insurance Rates by State
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%

View Chart as Image

Mercury Mariner insurance rates by U.S. city

Choosing high deductibles could save up to $210 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 $407 . 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 42% to 134% 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 $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.

Mercury Mariner Insurance Rates by Model Year
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 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 $200 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 $420 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $277 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $950 more each year for insurance

Rates by Driver Age

Mercury Mariner Insurance 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

Mercury Mariner Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $832
$1,000 $760

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mariner Insurance Rates with Different Liability Limits
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

Mercury Mariner Insurance 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.

SR-22 Surcharge $109

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
Rate after discounts $510

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

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