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.
U.S. average insurance rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive insurance costs around $138, collision insurance costs $152, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $1,906 or more. 16-year-old drivers pay the highest rates at up to $3,648 a year.
Average premium for full coverage: $890
Price estimates for individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Mountaineer models.
Price Range from Low to High
Using a middle-aged driver as an example, Mercury Mountaineer insurance prices range from the low end price of $496 for basic liability insurance to the much higher price of $1,906 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should compare prices for a specific zip code, rather than using 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
- Using higher $1,000 deductibles will save about $68 annually
- The estimated price for the average middle-age driver using $500 deductibles is $890
- Buying pricier low deductibles for physical damage coverage will cost an additional $124 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,906
- The price that insures a teenage driver for full coverage can be $3,648 or more
Car insurance prices for a Mercury Mountaineer are also quite variable based on the model of your Mountaineer, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,500 extra each year, depending on your age. Mercury Mountaineer insurance for high-risk drivers can be around 41% to 138% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $800 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $3,600 a year. View Rates by Age
The state you live in has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see prices 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.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $200 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Mercury Mountaineer Insurance
Getting lower rates on auto insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick review of the concepts that were touched on in the above illustrations.
- Drivers with a DUI or reckless driving violation may pay on average $1,020 more every year to insure their Mountaineer
- Teen drivers are the costliest to insure, costing up to $304 a month if full coverage is purchased
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $200 each year
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
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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