Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance rates for a Mercury Mariner are $864 a year for full coverage insurance. Comprehensive insurance costs around $148, collision costs $182, and liability coverage costs around $398. A policy with just liability insurance costs as low as $444 a year, with coverage for high-risk drivers costing $1,850 or more. Teen drivers receive the highest rates at $3,454 a year or more.
Average premium for full coverage: $864
Rate estimates for individual coverage type:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Mariner trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $444 for your basic liability-only policy to a much higher rate of $1,850 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates how your location can change auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than using price 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.
More Rate Information
The chart below illustrates estimated Mercury Mariner insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $527
- Using higher $1,000 deductibles will save about $76 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $864
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $140 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,850 or more
- The cost that insures a teenage driver with full coverage can be $3,454 or more
Insurance rates for a Mercury Mariner can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,000 to $1,500 additional per year, depending on your age. High-risk driver insurance can be around 43% to 129% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,400 a year. View Rates by Age
Where you live has a huge impact on Mercury Mariner insurance rates. A driver around age 40 might see rates as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,170 on average in Michigan, New York, 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% |
Choosing high deductibles could cut rates by as much as $220 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $421 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different.
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 Find More Affordable Mercury Mariner Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a summary of the primary concepts that were illustrated above.
- It is possible to save up to $100 per year simply by shopping early and online
- Drivers who have multiple accidents or major violations could be forced to pay on average $990 more every year for Mariner insurance
- Increasing deductibles can save approximately $225 each year
- Teens are charged the highest rates, costing up to $288 per 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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