Mercury Mountaineer 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: Apr 1, 2024

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Finding affordable Mercury Mountaineer insurance rates can save you lots of money. Price checking from numerous provides that offer insurance for Mercury vehicles can help you find a variety of different policies for your vehicle.

The average insurance rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive costs around $138, collision insurance costs $152, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,906. 16-year-old drivers cost the most to insure at up to $3,648 a year.

Average premium for full coverage: $890

Policy rates for type of insurance:

Comprehensive $138
Collision $152
Liability $442

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Mountaineer trim levels.

Price Range Variability

For the average driver, Mercury Mountaineer insurance rates range from as low as $496 for basic liability insurance to a much higher rate of $1,906 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $890
High Risk $1,906

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $668
Small Cities $935
Large Cities $1,202

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate 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.

Rate Comparisons

The chart below details average Mercury Mountaineer insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $553
  • Raising to $1,000 deductibles will save about $68 annually
  • The average rate for a good driver age 40 using $500 deductibles is $890
  • Buying more expensive low deductibles will increase the cost to $1,014
  • Drivers with multiple tickets or accidents could pay at least $1,906
  • Policy cost for full coverage for a 16-year-old driver with full coverage can be $3,648

View Chart as Image

Mercury Mountaineer insurance cost comparison chart
Column chart showing Mercury Mountaineer insurance rates range from $553 to $3,648 for full coverage

Insurance rates for a Mercury Mountaineer also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,600 a year. View Rates by Age

Your home state also has a big influence on Mercury Mountaineer insurance prices. A middle-age driver might find rates as low as $640 a year in states like New Hampshire, Ohio, and Utah, or at least $1,210 on average in Florida, Michigan, and New York.

Mercury Mountaineer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $806 -$84 -9.4%
Alaska $684 -$206 -23.1%
Arizona $740 -$150 -16.9%
Arkansas $890 -$0 0.0%
California $1,016 $126 14.2%
Colorado $852 -$38 -4.3%
Connecticut $916 $26 2.9%
Delaware $1,008 $118 13.3%
Florida $1,114 $224 25.2%
Georgia $822 -$68 -7.6%
Hawaii $640 -$250 -28.1%
Idaho $604 -$286 -32.1%
Illinois $664 -$226 -25.4%
Indiana $670 -$220 -24.7%
Iowa $600 -$290 -32.6%
Kansas $846 -$44 -4.9%
Kentucky $1,216 $326 36.6%
Louisiana $1,320 $430 48.3%
Maine $548 -$342 -38.4%
Maryland $736 -$154 -17.3%
Massachusetts $714 -$176 -19.8%
Michigan $1,548 $658 73.9%
Minnesota $746 -$144 -16.2%
Mississippi $1,066 $176 19.8%
Missouri $790 -$100 -11.2%
Montana $958 $68 7.6%
Nebraska $702 -$188 -21.1%
Nevada $1,068 $178 20.0%
New Hampshire $642 -$248 -27.9%
New Jersey $996 $106 11.9%
New Mexico $790 -$100 -11.2%
New York $940 $50 5.6%
North Carolina $514 -$376 -42.2%
North Dakota $728 -$162 -18.2%
Ohio $618 -$272 -30.6%
Oklahoma $916 $26 2.9%
Oregon $816 -$74 -8.3%
Pennsylvania $852 -$38 -4.3%
Rhode Island $1,190 $300 33.7%
South Carolina $806 -$84 -9.4%
South Dakota $752 -$138 -15.5%
Tennessee $782 -$108 -12.1%
Texas $1,074 $184 20.7%
Utah $660 -$230 -25.8%
Vermont $610 -$280 -31.5%
Virginia $534 -$356 -40.0%
Washington $690 -$200 -22.5%
West Virginia $816 -$74 -8.3%
Wisconsin $618 -$272 -30.6%
Wyoming $794 -$96 -10.8%

View Chart as Image

Mercury Mountaineer insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $200 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 138% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Mercury Mountaineer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mercury Mountaineer 2WD $860 $72
Mercury Mountaineer AWD $876 $73
Mercury Mountaineer Premier 2WD $900 $75
Mercury Mountaineer Premier AWD $914 $76

Rates assume 1999 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 Mountaineer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mountaineer $176 $222 $474 $1,030
2006 Mercury Mountaineer $156 $168 $452 $934
2005 Mercury Mountaineer $142 $160 $446 $906
2004 Mercury Mountaineer $138 $152 $442 $890

Rates are averaged for all Mercury Mountaineer 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 Cheap Mercury Mountaineer Insurance

Finding cheaper rates on insurance for a Mercury Mountaineer consists of having a decent driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the ideas that were touched on above.

  • 16 to 18-year-old drivers are charged the highest rates, as much as $304 each month including comprehensive and collision insurance
  • Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,020 more every year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save around $200 each year
  • You may be able to save up to $100 per year just by shopping early and online

Rates by Driver Age

Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,648
20 $2,028
30 $902
40 $890
50 $818
60 $800

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $1,002
100/300 $1,113
250/500 $1,400
100 CSL $1,047
300 CSL $1,290
500 CSL $1,467

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,112
20 $3,228
30 $1,914
40 $1,906
50 $1,824
60 $1,804

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 $116

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $337
Rate after discounts $553

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

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