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

Quick Facts

• A Mercury Milan is more affordable to insure compared to the average car.
• Full coverage for a Milan typically runs around $157 monthly, while liability only auto insurance premiums tend to be about $83.
• Safeway is the cheapest insurance carrier for a Milan.

Milan Overview

With a base price of just $22,025 for 2011 models, the Mercury Milan is a great car for all budgets. There are three different trim levels currently available, so every driver can find an option to match their style.

We combed through thousands of car insurance quotes on Compare.com, and we've determined that average Mercury Milan auto insurance rates run around $125 per month. But how does that compare to other cars on the market?

How Much is Car Insurance for a Mercury Milan?

Looking at the table above, you'll find that when you compare the Mercury Milan to other vehicles, insurance prices are right about average. Milan owners normally pay around $157 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other models, the Milan is more expensive, with premiums more than 10% higher than Mercury's other vehicle offerings. Compared to offerings from other brands, insurance for a Milan is less expensive than average, with full coverage insurance rates coming in at 11% less than other cars and liability insurance prices averaging exactly the same rates.

Compared to all vehicles of any body type, liability only rates run about the same for the Milan, while full coverage car insurance is less expensive than average.

Who has the Cheapest Car Insurance for a Mercury Milan?

Are you looking for an auto insurance policy for your Mercury Milan? You're likely interested in which company offers the most affordable rates. While costs will generally be pretty different from person to person, the lowest average rates for liability only insurance are as cheap as $26 per month from ACG. The next most affordable carrier is Workmens, who offers insurance as cheap as just $32 a month.

Completing the top 5 companies are CSAA, AmericanAlliance, and Oasis. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, auto insurance companies look at a lot of different variables when calculating premiums, so your results might be different. By reviewing quotes from several car insurance carriers at once, you can be confident you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Mercury Milan?

There are a multitude of factors that insurance companies examine to choose how much to charge you for car insurance -- and every company weighs different variables more heavily than others, so there's not just one carrier that's the lowest for each driver.

Keep reading to learn which things auto insurance carriers look at and how they affect your final rate:

Vehicle Age

The Mercury Milan has been around for a while -- that means vehicle age can play a role in what you end up paying for car insurance. Typically, it costs more to insure newer cars 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 Milan. However, as you can see in the table above, the most expensive Mercury Milans to insure are those that are 11 to 14 years old, while the cheapest models are Milans that are 2 to 3 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for auto insurance. In the table above, you'll see that older Milan drivers pay less than young Milan drivers. Mercury Milan drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for Milan drivers being 35-44.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Milan drivers specifically, men pay around $16 more than women monthly for insurance.

Where You Live

It may be obvious that factors like how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live matters just as much? Since auto insurance is regulated at the state level, premiums can vary quite a bit depending on where you live.

For example, the average Mercury Milan owner from New York pays about $152 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

Mercury Milan Car Insurance Discounts

No matter your car, your home state, or your age, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

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

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These are just a few of the discounts auto insurance carriers offer, and sometimes the best way to save is just by having a profile that looks good to insurance companies.

You obviously can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

You've probably noticed ads from auto insurance carriers promoting large discounts for responsible drivers. It shouldn't come as a surprise that your insurance premiums will go higher if you get a speeding ticket or get into a collision. 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 Milan drivers less than tickets, but both will result in a raise in rates. Mercury Milan drivers with one accident on their record pay an average of $103 per month (up $20 from the $83/mo. overall average), while drivers with a single ticket will pay about $108 monthly. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another variable that affects your auto insurance rates is the total amount of miles you drive each year. Those who drive less often are more likely to go accident-free, so they'll usually end up spending less on insurance. In the table above, you can see that Mercury Milan owners who drive fewer than 2,500 miles each year pay an average of $68 a month for car insurance, while those who put 10,000 miles or more on their cars pay $83.

But if you happen to be one of those drivers who put very few miles on your Mercury Milan each year, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Mercury Milans Compare to Other Vehicles?

If you're considering buying a new car and a Mercury Milan is on your shortlist, it can pay off to do your research. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Review the table below to see how the Mercury Milan stacks up:

Overall, the Mercury Milan is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. The Milan goes for $22,025, which is quite a bit lower than the national average vehicle price of $35,020. And since there hasn't been a new Milan model on the market in the last few years, used prices will be even cheaper.

Similarly, insurance prices run below average when compared to the rest of the vehicle market. Full coverage insurance for a Mercury Milan is around $17 a month cheaper than average, while liability only coverage is $8 cheaper per month.

When it comes to usage, Mercury Milan owners drive about the same amount annually as the national average, with 11,617 miles a year for all vehicles compared to the Milan's 11,509 every year.

Mercury Milan Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for car insurance. If you're considering buying a new Milan, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

2011 Mercury Milan Car Insurance

The average cost to insure a 2011 Milan with liability only coverage is $73 monthly, while full coverage runs about $152 per month.

With prices as low as just $19 a month, StateAuto offered the lowest policy we found for the 2011 Mercury Milan.

Want to know exactly what your insurance premium will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance companies.

2010 Mercury Milan Car Insurance

You can expect full coverage for a 2010 Mercury Milan to run around $166 per month, while liability only coverage will average about $85 a month.

Looking for the most affordable policy? StateAuto offered liability only coverage for as little as just $17 monthly.

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

2009 Mercury Milan Car Insurance

2009 Milan drivers can expect to pay an average of $79 per month for liability or $154 for full coverage.

We found StateAuto offered the cheapest policy, with rates sometimes as cheap as $20 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2008 Mercury Milan Car Insurance

On average, drivers who own a 2008 Mercury Milan can expect to pay $84 to $166 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2008 Mercury Milan insurance policy, Elephant offered the lowest policy we found, with rates as little as $24 per month.

Interested in what your insurance rate could look like? Enter your ZIP code below to get lots of customized quotes for free.

2007 Mercury Milan Car Insurance

It costs around $84 a month for liability or $157 for a full coverage policy for the 2007 Milan.

With rates sometimes as low as $20 monthly, MetLife offered the most affordable policy we found.

If you want to find the best premiums for auto insurance for a 2007 Mercury Milan, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

2006 Mercury Milan Car Insurance

2006 Mercury Milan drivers can expect to pay an average of $86 per month for liability or $137 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as little as $22 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2006 Mercury Milan, you can get free quotes in minutes by just entering your ZIP code below.

Mercury Milan Insurance FAQs

Is a Mercury Milan expensive to insure?

Liability insurance runs an average of $83 monthly, while full coverage will cost you around $157. Compared to the national average of all cars, prices come in on the lower end of the spectrum.

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

There's only one way to guarantee you're getting the lowest rates -- checking prices regularly and comparing quotes from a range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Mercury Milan affect my insurance rates?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. Although there are a variety of variables insurance carriers examine when they calculate your premiums, your Mercury Milan's color is not on that list.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a car insurance policy in place. As part of the buying process, some dealerships might offer you an auto insurance policy, but the easiest thing to do is to let your car insurance company know beforehand.

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

You will find all sorts of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Milan has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about their list of discounts, since they differ quite a bit from carrier to carrier.