Mercury Car Insurance Quotes in 2026
Insuring a Mercury vehicle costs an average of $157, with USAA offering some of the most affordable rates.
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Written byCarley Clark
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Carley ClarkInsurance Writer
Auto insurance
Home insurance
Personal finance
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Edited byBecky Helzer
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Becky HelzerEditor
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Reviewed byJohn Leach
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John LeachLicensed P&C Insurance Agent and Expert Reviewer
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
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Key Takeaways
The average monthly cost of a full-coverage Mercury insurance policy is $157, compared to the national average of $182.
USAA, GEICO, and State Farm are among the cheapest car insurance companies for Mercury vehicles.
The Sable is generally the most affordable Mercury model to insure, while the Milan is the priciest.
The Cheapest Car Insurance Companies for a Mercury
Mercury auto insurance quotes can vary significantly between companies because each insurer uses its own rules for evaluating drivers, pricing policies, and assessing risk. As a result, the same driver may find very different rates from one insurer to another.[1]
That’s why comparison shopping is one of the best ways to find the lowest auto insurance quote. The table below shows average monthly insurance costs for a Mercury across several major insurers.
Company  | Average Monthly Premium |
|---|---|
| USAA | $77 |
| GEICO | $90 |
| State Farm | $91 |
| Allstate | $101 |
| American Family | $118 |
| Progressive | $132 |
| Nationwide | $141 |
| Travelers | $149 |
| Farmers | $181 |
| Liberty Mutual | $223 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
USAA offers some of the cheapest car insurance for Mercury vehicles, with premiums well below the brand’s overall average. If you don’t qualify for USAA membership, GEICO and State Farm are also affordable options.
While rates vary by insurer, the specific Mercury model you drive can also affect your premiums, which we’ll explore next.
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Car Insurance Costs for Top Mercury Models
Some Mercury models cost more to insure than others, depending on factors like the vehicle’s value, safety features, size, and repair costs.
Below are the average car insurance costs for several popular Mercury models, broken down by liability only and full coverage.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Grand Marquis | $90 | $166 |
| Mariner | $83 | $153 |
| Milan | $92 | $171 |
| Mountaineer | $82 | $152 |
| Sable | $75 | $140 |
| All Mercury models | $85 | $157 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Among Mercury models, the Sable is generally the most affordable to insure due to its lower value and repair costs. In contrast, the Milan tends to have slightly higher premiums, possibly because of its upscale image, premium amenities, and improved safety features.
The Mariner and Mountaineer models are SUVs, which are typically larger and heavier than sedans. Because bigger vehicles can cause more damage in an accident, insurers may charge higher premiums.[2]
The Best Insurance Companies for Mercury Drivers
No single insurer is the “best” — the right one for you depends on your budget and the type of coverage you need. That said, the best insurance companies for Mercury drivers stand out based on average rates, available discounts, customer ratings, and coverage options.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
3.9
A solid optionBased on 733 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 278 GEICO reviews
Verified Review
Reviewed in Florida on June 16, 2026
Over 50 years with them. Always quick service.
Verified Review
Reviewed in Illinois on June 16, 2026
I've never had to file a claim, but the service is easy to use.
Verified Review
Reviewed in California on June 15, 2026
Read the policy carefully to understand the small print and exceptions.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is among the cheapest auto insurers for Mercury vehicles. You can save even more by bundling homeowners and auto insurance, enrolling in GEICO’s Drive Easy telematics program, or qualifying for certain safety features discounts.
The company also has highly rated mobile apps that let you view your insurance ID cards, request roadside assistance, and submit auto claims from your phone.
Pros
Affordable premiums with multiple discounts
A++ (Superior) AM Best rating
Cons
Limited local insurance agent availability
Below-average J.D. Power claims satisfaction
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
3.9
A solid optionBased on 858 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 334 State Farm reviews
Verified Review
Reviewed in South Carolina on June 17, 2026
Price creep is a thing, and stay aware of discounts ending, etc.
Verified Review
Reviewed in Illinois on June 16, 2026
When I decided to change, I appreciated all of the help that I received so that I understood the extent of my insurance plan for my home and my vehicle. I greatly appreciated that.
Verified Review
Reviewed in Colorado on June 12, 2026
My car is 10 years old. I do not drive it very much, but the insurance coverage amount, in my opinion, is just too high for a car that is used or driven maybe once to three times a month. I really feel that I have been and still am paying too much for a car that goes nowhere.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm may be an affordable option for young drivers insuring a Mercury. Along with low premiums, the company offers driver training and good student discounts. It also earns strong customer and claims satisfaction ratings from J.D. Power.
State Farm’s Drive Safe & Save telematics program can also lower your teen’s car insurance costs. It tracks driving behaviors like speeding, braking, and phone use to ensure teen drivers stay safe on the road.
Pros
Affordable premiums with multiple discounts
High customer and claims satisfaction
Cons
No accident forgiveness
Higher number of complaints[3]
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
4.3
Best choiceBased on 179 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 71 USAA reviews
Verified Review
Reviewed in Arizona on June 16, 2026
I have had USAA insurance policies since 1967 and continue to have USAA insurance because it has been there for me for all these years. USAA stood by me and my family in 1992 when I lost my car and home to Hurricane Andrew. USAA has always been there for me in my moments of need.
Verified Review
Reviewed in Arizona on May 22, 2026
The prices are higher than others I have checked.
Verified Review
Reviewed in Maryland on April 3, 2026
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
You may find some of the lowest Mercury auto insurance quotes from USAA. But the company serves only active-duty military members, veterans, and eligible family members, which limits access for many drivers.
If you qualify for membership, USAA offers great customer service, military discounts, and perks for service members and their families.
Pros
Low average premiums
Top J.D. Power claims and customer ratings
Cons
Limited to military members and veterans
No local agents
Average Cost of Mercury Car Insurance by State
Each state has its own insurance regulations and risk factors that can affect how much you pay for car insurance.
Insurance rates vary based on repair costs, accident frequency, injury claim trends, litigation, and the percentage of uninsured and underinsured motorists in your state.[4]
The map below shows average monthly premiums for a Mercury by state.
Mercury Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $104 |
| Arizona | $127 |
| Arkansas | $187 |
| California | $176 |
| Colorado | $161 |
| Connecticut | $245 |
| Delaware | $180 |
| Florida | $168 |
| Georgia | $182 |
| Idaho | $91 |
| Illinois | $124 |
| Indiana | $106 |
| Iowa | $88 |
| Kansas | $120 |
| Kentucky | $158 |
| Louisiana | $162 |
| Maine | $110 |
| Maryland | $248 |
| Massachusetts | $130 |
| Michigan | $202 |
| Minnesota | $143 |
| Mississippi | $152 |
| Missouri | $141 |
| Montana | $121 |
| Nebraska | $128 |
| Nevada | $205 |
| New Hampshire | $83 |
| New Jersey | $130 |
| New Mexico | $116 |
| New York | $344 |
| North Carolina | $68 |
| North Dakota | $100 |
| Ohio | $94 |
| Oklahoma | $130 |
| Oregon | $117 |
| Pennsylvania | $126 |
| Rhode Island | $108 |
| South Carolina | $197 |
| South Dakota | $94 |
| Tennessee | $109 |
| Texas | $172 |
| Utah | $134 |
| Vermont | $111 |
| Virginia | $140 |
| Washington | $117 |
| District of Columbia | $251 |
| West Virginia | $114 |
| Wisconsin | $97 |
| Wyoming | $87 |
Average Cost of Mercury Car Insurance by Age
Your age can also influence how much you pay for auto insurance coverage. Younger drivers tend to have a higher accident rate since they have less experience behind the wheel.[5]
To offset this risk, insurers typically charge new drivers higher rates — especially teens. As drivers gain experience and maintain a safe driving record, their rates tend to decrease.
The table below shows average monthly insurance premiums for Mercury vehicles by age group, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $233 |
| Adult drivers | $120 |
| Senior drivers | $104 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Average Cost of Mercury Car Insurance by Driving Record
Insurers consider your driving record when calculating insurance costs. A safe driving history can help you secure low rates, since you’re less likely to file insurance claims.
In contrast, a record of at-fault accidents, tickets, or driving under the influence (DUI) convictions will likely cause your rates to go up.
Below are the average monthly premiums for Mercury drivers based on driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $121 |
| Speeding ticket | $163 |
| At-fault accident | $173 |
| DUI | $202 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Other Factors That Affect Mercury Car Insurance Rates
)
Along with your driver profile, certain aspects of your Mercury can also play a role in your car insurance rates.
Mercury safety ratings
Safety ratings can influence insurance costs, as safer vehicles reduce the likelihood and severity of injury claims. In 2009, several Mercury models received “Top Safety Pick” designations from the Insurance Institute for Highway Safety, including the Sable, Mariner, and Milan.[6]
Older Mercury models may have fewer safety features than newer models, potentially increasing claims costs and insurance premiums.
Mercury repair and replacement costs
If a vehicle costs more to repair or replace, it usually costs more to insure. The average annual maintenance cost for a Mercury is $775, according to RepairPal.[7] That’s slightly higher than the industry average of $652.
Some Mercury models, like the Mountaineer, tend to have higher repair costs than others, such as the Sable and Mariner. And because Ford discontinued the Mercury brand in 2011, parts can be harder to find, which may increase both repair costs and insurance premiums.
Mercury trim levels
Higher trim levels often include more powerful engines, heated seats, and other luxury features. These upgrades increase repair and replacement costs, potentially leading to higher insurance premiums.
Cars with base trims, on the other hand, usually have fewer features, which can help keep insurance rates more affordable.
Car Insurance Coverages to Consider for Your Mercury
Nearly every state requires liability coverage, which covers third-party medical expenses and property damage if you cause an accident. Consider the following optional coverages to protect your vehicle:
Collision
If you’re in an at-fault accident, collision coverage pays to repair or replace your Mercury.
Comprehensive
If a non-collision event — like theft, vandalism, weather damage, or falling objects — damages your car, comprehensive insurance will pay for the damage.
Roadside assistance
If you lock yourself out or your vehicle breaks down, roadside assistance covers towing, jump-starts, gas delivery, and locksmith services.
Uninsured/underinsured motorist
If a driver without insurance (or not enough coverage) hits your car, UM/UIM coverage helps pay for your damage.
A full-coverage policy, which combines higher liability limits, collision, and comprehensive coverage in a single policy, offers the best protection for your Mercury. But if your Mercury isn’t worth much or you could afford to replace it out of pocket, liability coverage may be sufficient.
Mercury Car Insurance FAQs
For more information about Mercury car insurance, see answers to some of the most common questions below.
What’s the cheapest car insurance company for a Mercury?
USAA has the cheapest car insurance on average for a Mercury, but not every driver is eligible for USAA coverage. GEICO and State Farm also offer affordable rates and don’t require membership.
How much does car insurance cost for a Mercury Grand Marquis?
The average monthly cost of car insurance for a Mercury Grand Marquis is $90 for liability only and $166 for full coverage, according to our data. Several factors affect your premium, so your actual car insurance rates may vary.
How much is insurance for a Mercury Mariner?
Liability coverage for a Mercury Mariner costs an average of $83 per month, while full coverage costs an average of $153, according to our data. To ensure you’re getting the best price, get several auto insurance quotes from different companies.
Do companies still insure Mercury vehicles?
Yes. Although Ford discontinued the Mercury brand in 2011, major insurers still offer insurance coverage for used Mercury vehicles.
Sources
- National Association of Insurance Commissioners. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Naic.org. "Consumer Insurance Refined Search Results."
- Insurance Informatoin Institute. "Even With Recent Rises, Auto Insurance Is More Affordable Than During Most of Century to Date."
- Insurance Information Institute. "Auto insurance for teen drivers."
- Insurance Institute for Highway Safety. "2009 Top Safety Picks."
- RepairPal. "Mercury Repair & Maintenance Costs."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
)
Carley ClarkInsurance Writer
Auto insurance
Home insurance
Personal finance
Becky HelzerEditor
John LeachLicensed P&C Insurance Agent and Expert Reviewer
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358