Mercury Mountaineer Insurance Rates

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 $1,030 a year with full coverage. Comprehensive insurance costs approximately $176 a year, collision costs $222, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,214 or more. Teen drivers cost the most to insure at $4,124 a year or more.

Average premium for full coverage: $1,030

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Mountaineer trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated Mercury Mountaineer insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $626
• Choosing higher $1,000 deductibles can save $940 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,030
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $174 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,214 or more
• Policy cost for full coverage for a teen driver can cost $4,124 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Mercury Mountaineer insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,390 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $270 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 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 anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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.

How to Find More Affordable Mercury Mountaineer Insurance

Finding cheaper rates on Mercury Mountaineer insurance takes being a low-risk driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the material that was illustrated above.

• Drivers who purchase more liability coverage will pay about $520 every year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, as much as $344 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay on average $1,180 more per year to insure their Mountaineer
• Increasing comprehensive and collision deductibles can save around $275 each year