Mercury Mountaineer 2WD Insurance Rates

U.S. average insurance rates for a Mercury Mountaineer 2WD are $1,310 a year including full coverage. Comprehensive costs on average $312, collision costs $476, and liability insurance costs $364. Liability-only insurance costs as little as $430 a year, with high-risk driver insurance costing around $2,802. Teenage drivers pay the highest rates at $4,804 a year or more.

Annual premium for full coverage: $1,310

Price estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mercury Mountaineer Trim Level

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These price ranges highlight why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Mercury Mountaineer 2WD are also quite variable based on the model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,800 a year. View Rates by Age

The state you live in makes a big difference in Mercury Mountaineer 2WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $530 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different.

View Chart as Image

The chart above shows average Mercury Mountaineer 2WD insurance prices for different risks and coverage choices. The lowest price with discounts is $767. Drivers who use higher $1,000 deductibles will pay $1,132. The average price for a 40-year-old male driver using $500 deductibles is $1,310. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,656. Drivers with multiple violations and accidents could be charged at least $2,802. The price for full coverage insurance for a teen driver is $4,804.

View Chart as Image