Mercury Mariner Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mercury Mariner costs less than most other SUVs to insure.
• Full coverage for a Mariner typically comes in at around $136 per month, while liability only car insurance premiums run about $79.
• Hugo provides the cheapest average premiums for a Mariner with liability only coverage offered for as cheap as $35 a month.

Mariner Overview

Coming in with a base MSRP of $23,565 for 2011 models, the Mercury Mariner is a great budget-friendly SUV for drivers of all types. There are three different trim levels currently offered, so you'll be sure to find an option to fit your style.

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Mercury Mariner insurance rates run around $108 per month. How do auto insurance prices for the Mariner stack up against other similar SUVs?

How Much is Car Insurance for a Mercury Mariner?

In the table above, you'll find that car insurance rates for a Mercury Mariner are below average. Mariner owners can expect to pay about $136 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other models, the Mariner is in line with the other vehicles in Mercury's lineup. Compared to SUV offerings from other brands, insurance for a Mariner is also more affordable, with liability only insurance premiums coming in around 1% less and 10% less for full coverage.

Overall, they're just more affordable to insure than the average vehicle, regardless of model, make, or body style.

Who has the Cheapest Car Insurance for a Mercury Mariner?

Shopping around for a car insurance policy for your Mercury Mariner? You might be most interested in which carrier offers the lowest premiums. While prices can fluctuate pretty significantly depending on your driver profile, the lowest average rates for liability only insurance are sometimes as little as $35 a month from Encompass and Hugo.

Rounding out the list are American Family, Ohio Mutual, and AmericanAlliance. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take many things into consideration when calculating monthly prices. The only way to guarantee you'll find the most affordable rates is to compare quotes from a range of auto insurance companies.

What Factors Affect Car Insurance Rates for a Mercury Mariner?

There are a bunch of factors that car insurance carriers use to decide how much to charge -- and every company weighs different variables more heavily than others, so there's not one carrier that's the lowest for each driver.

The sections below show quite a few variables insurance companies use to determine rates:

Vehicle Age

The Mercury Mariner has been around for a while -- that means vehicle age will likely play a role in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Mariner. However, as you can see in the table above, the most expensive Mercury Mariners to insure are those that are 11 to 14 and 15 or more years old, while the cheapest models are Mariners that are 4 to 5 years old, on average.

Your Age

How old you are makes a big difference in how much you pay for insurance. As you can see in the table above, drivers who have more experience have lower premiums compared to teenage drivers. Mercury Mariner drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group for Mariner drivers being 55-64.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for car insurance than men. The Mercury Mariner follows this convention, and men pay about $83 per month for auto insurance, while women pay around $77.

Where You Live

You may already know that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live can have just as much as an impact? Because insurance is regulated on the state level rather than nationally, rates can differ quite a bit depending on which state you call home.

For example, the average Mercury Mariner owner from New York pays about $118 monthly for liability coverage, while on average, the same driver in California will pay less than 50% of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

Mercury Mariner Car Insurance Discounts

Regardless of your age, your home state, or your car, it's always in your best interest to take advantage of as many car insurance discounts as possible.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, it's actually having a profile that looks good to insurance carriers that get you the lowest rates.

While you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the ones you can use to your advantage in order to save money on auto insurance:

Your Driving Record

You've probably seen ads from insurance companies offering large discounts for safe drivers. And you're probably not surprised to hear that your auto insurance rates will go up if you get into a collision or get tickets for speeding. But you still might be left wondering exactly how much collisions and moving violations will cost you.

According to the table above, accidents will usually cost Mariner drivers more than tickets, but both will result in higher than average rates. Mercury Mariner drivers with one accident on their record pay about $113 a month (up $34 from the $79/mo. overall average), while drivers with a single ticket will pay an average of $104 a month. The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Another variable that impacts your car insurance premiums is the amount of miles you drive. Those who drive less have fewer opportunities to get into an accident, so they'll normally be offered more affordable rates. In the table above, you can see that Mercury Mariner owners who drive 10,000 miles or more pay $81 for insurance, while those who drive fewer than 2,500 miles per year pay about $80 per month.

But if you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Mercury Mariners Compare to Other Vehicles?

If you're considering making a Mercury Mariner your next SUV, you might be wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering.

Check out the table below to see how the Mercury Mariner stacks up:

Overall, the Mercury Mariner is a great value when it comes to price, with an MSRP that's a quarter less than the going rate for a new vehicle. While the average vehicle price in the U.S. is $35,020, the Mariner starts at just $23,565. And since it's been a few years since a new Mariner model has been on the market, used prices are going to be even less expensive.

Unlike the Mariner's lower price, insurance prices are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Mercury Mariner is around $14 per month more than average, while liability only coverage is $6 higher monthly.

When it comes to usage, Mercury Mariner drivers are much higher than the national average in annual miles driven, with 11,617 miles each year for all vehicles compared to the Mariner's 13,551 every year.

Mercury Mariner Car Insurance Costs by Model Year

You've seen how different variables can affect how much the average driver pays to insure a Mercury Mariner. If you're thinking about buying a new vehicle and the Mariner is one you're considering, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

2011 Mercury Mariner Car Insurance

On average, drivers who own a 2011 Mariner can expect to pay $87 to $183 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2011 Mercury Mariner insurance policy, Gainsco offered the most affordable policy we found, with rates sometimes as low as $22 monthly.

If you want to know exactly how much you can expect to pay for your Mariner, just enter your ZIP code below and get several free quotes in minutes.

2010 Mercury Mariner Car Insurance

The average cost to insure a 2010 Mercury Mariner with liability only coverage is $68 per month, while full coverage runs about $127 a month.

Looking for the lowest policy? SafeAuto offered liability only coverage for as little as just $20 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple free customized quotes.

2009 Mercury Mariner Car Insurance

You can expect full coverage for a 2009 Mariner to run around $152 monthly, while liability only coverage will average about $91 per month.

StateAuto offered the cheapest policy we found, with rates as low as $19 monthly.

If you want to know exactly how much you can expect to pay for your Mariner, get free quotes in minutes by just entering your ZIP code below.

2008 Mercury Mariner Car Insurance

It costs around $78 a month for liability or $129 for a full coverage policy for the 2008 Mercury Mariner.

Clearcover has premiums sometimes as cheap as $17 per month for the 2008 Mercury Mariner.

If you want to find the best prices for car insurance for a 2008 Mercury Mariner, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

2007 Mercury Mariner Car Insurance

2007 Mariner drivers can expect to pay an average of $72 a month for liability or $126 for full coverage.

With rates as cheap as just $22 monthly, Liberty Mutual offered the most affordable policy we found.

Want something more accurate than national averages? Enter your ZIP code below to get several customized quotes for free.

2006 Mercury Mariner Car Insurance

The average cost to insure a 2006 Mercury Mariner with liability only coverage is $73 a month, while full coverage runs about $124 per month.

With premiums as little as $19 monthly, Elephant offered the lowest policy we found for the 2006 Mercury Mariner.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2005 Mercury Mariner Car Insurance

It costs around $89 per month for liability or $143 for a full coverage policy for the 2005 Mariner.

We found Liberty Mutual offered the most affordable policy, with rates as low as just $18 monthly.

If you want to find the best prices for auto insurance for a 2005 Mercury Mariner, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

Mercury Mariner Insurance FAQs

Is a Mercury Mariner expensive to insure?

Liability insurance runs an average of $79 a month, while full coverage will cost you around $136. It costs less to insure a Mercury Mariner when compared to the average vehicle.

How can I get the best price on car insurance for my Mercury Mariner?

The only way to ensure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from a whole range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Mercury Mariner affect my insurance prices?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. There are a variety of things auto insurance carriers think about when they decide your insurance rate, but your vehicle's color isn't one of them.

Do I need to have insurance before I buy a Mercury Mariner?

You'll need to have valid auto insurance for your car before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but your best bet is letting your car insurance carrier know beforehand.

What car insurance discounts can I get for my Mercury Mariner?

There are tons of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Mariner and more on you, but if your Mariner has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to reach out to your insurance company and ask about their discounts, since they vary quite a bit from carrier to carrier.