Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance rates for a Mercury Mariner are $892 a year including full coverage. Comprehensive insurance costs on average $152 each year, collision costs $202, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $1,918 or more. Teenage drivers pay the highest rates at $3,558 a year or more.
Average premium for full coverage: $892
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Mariner models.
Price Range from Low to High
For a driver around age 40, Mercury Mariner insurance prices go from the low end price of $446 for just the minimum liability insurance to a high rate of $1,918 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location, rather than using 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.
Additional Rate Analysis
The chart below breaks down estimated Mercury Mariner insurance rates for different risk profiles and scenarios.
- The best discount rate is $540
- Raising to $1,000 deductibles will save around $80 every year
- The estimated price for the average middle-age driver with $500 deductibles is $892
- Using low deductibles will cost an additional $154 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $1,918 or more
- The price that insures a teenage driver may cost $3,558
Auto insurance prices for a Mercury Mariner are also quite variable based on the trim level and 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 $1,100 to $1,500 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 137% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,500 a year. View Rates by Age
The state you live in also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find prices as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,270 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce prices by up to $240 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. 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 do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.
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 Find the Cheapest Mercury Mariner Insurance
Getting lower rates on auto insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare prices every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The following items are a recap of the coverage data covered above.
- You may be able to save as much as $100 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $225 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $297 a month if the policy includes full coverage
- Drivers that have major violations or accidents could be forced to pay on average $1,030 more each year than a driver with a clean driving record
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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