Mercury Mountaineer Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
Estimated auto insurance rates for a Mercury Mountaineer are $890 annually for full coverage. Comprehensive insurance costs on average $138, collision costs $152, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $1,906 or more. 16-year-old drivers pay the most at $3,648 a year or more.
Average premium for full coverage: $890
Premium estimates by type of coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Mountaineer trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mercury Mountaineer go from as cheap as $496 for basic liability insurance to a much higher rate of $1,906 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying 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 shows estimated Mercury Mountaineer insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $553
- Choosing higher $1,000 deductibles can save around $68 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $890
- Buying more expensive low deductibles for comp and collision coverage costs an additional $124 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $1,906 or more
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $3,648 each year
Insurance prices for a Mercury Mountaineer also have a wide range based on the model of your Mountaineer, your driver profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,100 to $1,500 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 41% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $200 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Mercury Mountaineer insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or at least $1,270 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mountaineer | $162 | $182 | $468 | $970 |
| 2006 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 Buy the Cheapest Mercury Mountaineer Insurance
Finding better rates on Mercury Mountaineer insurance takes avoiding accidents and claims, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by requesting rates from direct carriers, and also from local insurance agents.
The points below are a recap of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 pay higher prices, as much as $304 per month if they have full coverage
- High-risk drivers that have major violations or accidents may be required to pay an average of $1,020 more each year to insure a Mercury Mountaineer
- Increasing policy deductibles could save up to $200 each year
- Drivers can save as much as $100 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,014 |
| $250 | $960 |
| $500 | $890 |
| $1,000 | $822 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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