Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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The average auto insurance rates for a Mercury Mariner are $892 annually for full coverage. Comprehensive costs an estimated $152 each year, collision insurance costs $202, and liability is $402. Liability-only insurance costs around $446 a year, and high-risk driver insurance costs around $1,918. Teens cost the most to insure at up to $3,558 a year.
Average premium for full coverage: $892
Policy rates broken down by type of insurance:
These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Mariner models.
Price Range Variability
For the average driver, Mercury Mariner insurance rates range from as cheap as $446 for basic liability insurance to a high rate of $1,918 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.
The examples above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.
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 shows average Mercury Mariner insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $540
- Raising to $1,000 deductibles will save approximately $80 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $892
- Selecting low deductibles will cost $1,046
- At-risk drivers with serious driving violations could pay up to $1,918
- Policy cost with full coverage for a teen driver can cost as much as $3,558
Auto insurance rates for a Mercury Mariner also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,100 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Mercury Mariner insurance prices. A middle-age driver might find rates as low as $590 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,270 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $806 | -$86 | -9.6% |
| Alaska | $684 | -$208 | -23.3% |
| Arizona | $740 | -$152 | -17.0% |
| Arkansas | $892 | -$0 | 0.0% |
| California | $1,016 | $124 | 13.9% |
| Colorado | $850 | -$42 | -4.7% |
| Connecticut | $916 | $24 | 2.7% |
| Delaware | $1,006 | $114 | 12.8% |
| Florida | $1,112 | $220 | 24.7% |
| Georgia | $826 | -$66 | -7.4% |
| Hawaii | $642 | -$250 | -28.0% |
| Idaho | $604 | -$288 | -32.3% |
| Illinois | $664 | -$228 | -25.6% |
| Indiana | $674 | -$218 | -24.4% |
| Iowa | $602 | -$290 | -32.5% |
| Kansas | $848 | -$44 | -4.9% |
| Kentucky | $1,216 | $324 | 36.3% |
| Louisiana | $1,322 | $430 | 48.2% |
| Maine | $550 | -$342 | -38.3% |
| Maryland | $736 | -$156 | -17.5% |
| Massachusetts | $712 | -$180 | -20.2% |
| Michigan | $1,548 | $656 | 73.5% |
| Minnesota | $748 | -$144 | -16.1% |
| Mississippi | $1,068 | $176 | 19.7% |
| Missouri | $792 | -$100 | -11.2% |
| Montana | $958 | $66 | 7.4% |
| Nebraska | $702 | -$190 | -21.3% |
| Nevada | $1,070 | $178 | 20.0% |
| New Hampshire | $644 | -$248 | -27.8% |
| New Jersey | $998 | $106 | 11.9% |
| New Mexico | $788 | -$104 | -11.7% |
| New York | $938 | $46 | 5.2% |
| North Carolina | $514 | -$378 | -42.4% |
| North Dakota | $734 | -$158 | -17.7% |
| Ohio | $616 | -$276 | -30.9% |
| Oklahoma | $914 | $22 | 2.5% |
| Oregon | $818 | -$74 | -8.3% |
| Pennsylvania | $850 | -$42 | -4.7% |
| Rhode Island | $1,190 | $298 | 33.4% |
| South Carolina | $808 | -$84 | -9.4% |
| South Dakota | $752 | -$140 | -15.7% |
| Tennessee | $780 | -$112 | -12.6% |
| Texas | $1,076 | $184 | 20.6% |
| Utah | $662 | -$230 | -25.8% |
| Vermont | $608 | -$284 | -31.8% |
| Virginia | $536 | -$356 | -39.9% |
| Washington | $688 | -$204 | -22.9% |
| West Virginia | $818 | -$74 | -8.3% |
| Wisconsin | $616 | -$276 | -30.9% |
| Wyoming | $794 | -$98 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $850 | $71 |
| Mercury Mariner Premier 2WD | $868 | $72 |
| Mercury Mariner AWD | $868 | $72 |
| Mercury Mariner Hybrid 2WD | $1,010 | $84 |
| Mercury Mariner Premier AWD | $888 | $74 |
| Mercury Mariner Hybrid AWD | $1,030 | $86 |
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 | $162 | $222 | $402 | $922 |
| 2009 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2008 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2006 Mercury Mariner | $144 | $168 | $384 | $832 |
| 2005 Mercury Mariner | $132 | $160 | $380 | $808 |
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 Cheap Mercury Mariner Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a brief summary of the car insurance concepts touched on above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,030 more annually for Mariner insurance
- Drivers can save approximately $100 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Policyholders who want higher liability limits will pay approximately $440 each year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,558 |
| 20 | $2,036 |
| 30 | $910 |
| 40 | $892 |
| 50 | $818 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,046 |
| $250 | $976 |
| $500 | $892 |
| $1,000 | $812 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $892 |
| 50/100 | $1,125 |
| 100/300 | $1,243 |
| 250/500 | $1,551 |
| 100 CSL | $1,172 |
| 300 CSL | $1,433 |
| 500 CSL | $1,623 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,018 |
| 20 | $3,242 |
| 30 | $1,936 |
| 40 | $1,918 |
| 50 | $1,830 |
| 60 | $1,812 |
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 | $45 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $33 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $352 |
Discounts are estimated and may not be available from every company or in every state.
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