Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average auto insurance rates for a Mercury Mariner are $864 annually with full coverage. Comprehensive costs approximately $148 each year, collision insurance costs $182, and liability costs $398. Liability-only insurance costs as little as $444 a year, and high-risk driver insurance costs around $1,850. Teenage drivers pay the highest rates at up to $3,454 a year.
Average premium for full coverage: $864
Price estimates by individual coverage:
Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Mariner models.
Price Range from Low to High
For a driver around age 40, Mercury Mariner insurance prices range from as cheap as $444 for basic liability insurance to a high rate of $1,850 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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 Mariner insurance rates for additional coverage and risk scenarios.
- The best discount rate is $527
- Drivers who choose higher $1,000 deductibles will pay $76 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $864
- Using low deductibles for comprehensive and collision insurance will cost $1,004
- Drivers who are prone to accidents and violations could pay around $1,850
- The price with full coverage for a 16-year-old driver can cost $3,454 a year
Car insurance prices for a Mercury Mariner are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $3,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $220 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Mercury Mariner insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $826 | $69 |
| Mercury Mariner Premier 2WD | $842 | $70 |
| Mercury Mariner AWD | $842 | $70 |
| Mercury Mariner Hybrid 2WD | $976 | $81 |
| Mercury Mariner Premier AWD | $858 | $72 |
| Mercury Mariner Hybrid AWD | $994 | $83 |
Rates assume 2009 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 Mariner | $152 | $202 | $402 | $892 |
| 2009 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2008 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2006 Mercury Mariner | $132 | $160 | $380 | $808 |
| 2005 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner 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 Low Cost Mercury Mariner Insurance
Getting lower rates on insurance for a Mercury Mariner not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a review of the primary concepts that were covered above.
- You may be able to save around $100 per year just by quoting online in advance
- Drivers considered higher risk who have several accidents or serious violations may pay on average $990 more per year for Mariner insurance
- Increasing physical damage deductibles could save up to $225 each year
- Teens pay the highest auto insurance prices, costing up to $288 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $1,088 |
| 100/300 | $1,205 |
| 250/500 | $1,509 |
| 100 CSL | $1,134 |
| 300 CSL | $1,392 |
| 500 CSL | $1,579 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
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 | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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