Mercury Mountaineer Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 1, 2024

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Finding affordable Mercury Mountaineer insurance rates can save you lots of money. Price checking from numerous provides that offer insurance for Mercury vehicles can help you find a variety of different policies for your vehicle.

U.S. average insurance rates for a Mercury Mountaineer are $890 a year with full coverage. Comprehensive insurance costs around $138 each year, collision costs $152, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,906 or more. Teen drivers pay the highest rates at $3,648 a year or more.

Average premium for full coverage: $890

Price estimates for individual coverage:

Comprehensive $138
Collision $152
Liability $442

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Mountaineer models.

Price Range from Low to High

Using a middle-aged driver as an example, Mercury Mountaineer insurance prices go from as low as $496 for just the minimum liability insurance to a high rate of $1,906 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $890
High Risk $1,906

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

Rural Areas $668
Small Cities $935
Large Cities $1,202

The ranges above demonstrate why all drivers should compare prices for a specific zip code and risk profile, 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.

Additional Rate Analysis

The chart below details estimated Mercury Mountaineer insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $553
  • Using higher $1,000 deductibles will save about $68 annually
  • The average rate for the average middle-age driver using $500 deductibles is $890
  • Choosing low deductibles for physical damage coverage will cost an extra $124 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,906 or more
  • The price for full coverage for a teenage driver can be $3,648 or more

View Chart as Image

Mercury Mountaineer insurance cost comparison chart
Column chart showing full coverage Mercury Mountaineer insurance prices range from $553 to $3,648

Auto insurance prices for a Mercury Mountaineer are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $3,600 a year. View Rates by Age

The state you live in has a huge impact on Mercury Mountaineer insurance rates. A driver around age 40 might see prices as low as $640 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,210 on average in Florida, Michigan, and New York.

Mercury Mountaineer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $806 -$84 -9.4%
Alaska $684 -$206 -23.1%
Arizona $740 -$150 -16.9%
Arkansas $890 -$0 0.0%
California $1,016 $126 14.2%
Colorado $852 -$38 -4.3%
Connecticut $916 $26 2.9%
Delaware $1,008 $118 13.3%
Florida $1,114 $224 25.2%
Georgia $822 -$68 -7.6%
Hawaii $640 -$250 -28.1%
Idaho $604 -$286 -32.1%
Illinois $664 -$226 -25.4%
Indiana $670 -$220 -24.7%
Iowa $600 -$290 -32.6%
Kansas $846 -$44 -4.9%
Kentucky $1,216 $326 36.6%
Louisiana $1,320 $430 48.3%
Maine $548 -$342 -38.4%
Maryland $736 -$154 -17.3%
Massachusetts $714 -$176 -19.8%
Michigan $1,548 $658 73.9%
Minnesota $746 -$144 -16.2%
Mississippi $1,066 $176 19.8%
Missouri $790 -$100 -11.2%
Montana $958 $68 7.6%
Nebraska $702 -$188 -21.1%
Nevada $1,068 $178 20.0%
New Hampshire $642 -$248 -27.9%
New Jersey $996 $106 11.9%
New Mexico $790 -$100 -11.2%
New York $940 $50 5.6%
North Carolina $514 -$376 -42.2%
North Dakota $728 -$162 -18.2%
Ohio $618 -$272 -30.6%
Oklahoma $916 $26 2.9%
Oregon $816 -$74 -8.3%
Pennsylvania $852 -$38 -4.3%
Rhode Island $1,190 $300 33.7%
South Carolina $806 -$84 -9.4%
South Dakota $752 -$138 -15.5%
Tennessee $782 -$108 -12.1%
Texas $1,074 $184 20.7%
Utah $660 -$230 -25.8%
Vermont $610 -$280 -31.5%
Virginia $534 -$356 -40.0%
Washington $690 -$200 -22.5%
West Virginia $816 -$74 -8.3%
Wisconsin $618 -$272 -30.6%
Wyoming $794 -$96 -10.8%

View Chart as Image

Mercury Mountaineer insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $200 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,100 to $1,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 41% to 138% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Mercury Mountaineer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mercury Mountaineer 2WD $860 $72
Mercury Mountaineer AWD $876 $73
Mercury Mountaineer Premier 2WD $900 $75
Mercury Mountaineer Premier AWD $914 $76

Rates assume 1999 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.

Mercury Mountaineer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mercury Mountaineer $176 $222 $474 $1,030
2006 Mercury Mountaineer $156 $168 $452 $934
2005 Mercury Mountaineer $142 $160 $446 $906
2004 Mercury Mountaineer $138 $152 $442 $890

Rates are averaged for all Mercury Mountaineer 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 Mountaineer Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a recap of the ideas that were touched on in the above illustrations.

  • Teens are expensive to insure, costing up to $304 a month if they have full coverage
  • Drivers that have major violations or accidents pay an average of $1,020 more every year for Mountaineer insurance
  • Increasing physical damage deductibles can save around $200 each year
  • You may be able to save up to $100 per year simply by quoting online in advance

Rates by Driver Age

Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,648
20 $2,028
30 $902
40 $890
50 $818
60 $800

Full coverage, $500 deductibles

Rates by Deductible

Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $1,002
100/300 $1,113
250/500 $1,400
100 CSL $1,047
300 CSL $1,290
500 CSL $1,467

Full coverage, driver age 40

Rates for High Risk Drivers

Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,112
20 $3,228
30 $1,914
40 $1,906
50 $1,824
60 $1,804

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.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $337
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

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