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

Quick Facts

• It costs less to insure a Mercury Mountaineer than the average SUV.
• Liability insurance for a Mountaineer runs around $80 a month, while full coverage normally tends to be about $127 per month.
• At as cheap as just $33 a month for liability only coverage, Premier is the cheapest auto insurance company for a Mountaineer.

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Mountaineer Overview

The Mercury Mountaineer is a great choice for a mid-level SUV, with a base price of $29,480 for 2010 models. With two different trim levels currently available, you'll be sure to find an option to fit your style.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that average Mercury Mountaineer auto insurance prices run around $108 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Mercury Mountaineer?

In the table above, you'll find that compared to other vehicles, Mercury Mountaineer insurance rates are cheaper than average. On average, Mountaineer owners will pay about $80 monthly for liability insurance, and around $127 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other Mercury models, the Mountaineer is slightly less expensive, with premiums more than 5% lower than the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, car insurance for a Mountaineer is less expensive than average, with full coverage insurance rates coming in at $24 cheaper than other SUVs and liability insurance premiums averaging exactly the same rates.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Mercury Mountaineer?

If you're browsing for an auto insurance policy for a Mercury Mountaineer, you're probably wondering which carrier offers the lowest prices. While prices can fluctuate pretty dramatically depending on your driver profile, Aspire has the most affordable average rates for liability only coverage, with rates as low as $30 monthly. The runner up for lowest rates is Premier, with insurance policies starting sometimes as little as $33 per month.

MetroMile, AmericanAlliance, and Foremost round out the rest of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mercury Mountaineer.

After all, auto insurance companies look at a wide array of factors when calculating rates, so your results might be different. There's only one way to make sure you find the cheapest possible rates, and that's by checking quotes from many insurance carriers.

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What Factors Affect Car Insurance Rates for a Mercury Mountaineer?

There are a whole bunch of pieces that car insurance companies examine to choose how much they charge you for auto insurance -- and each company uses a different method, so there's not just one carrier that's the lowest for every driver.

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

Vehicle Age

The Mercury Mountaineer has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Mountaineers continue to depreciate, insurance costs will gradually decrease.

Since a new model has not been added to the market for at least 5 years, the Mountaineer won't really fit this trend. However, as you can see in the table above, the cheapest Mercury Mountaineers to insure are those that are 8 to 10 years old, while the most expensive models are Mountaineers that are 11 to 14 years old, on average.

Your Age

Age is another factor that makes a difference in how much auto insurance companies will charge. Based on the information above, young drivers have higher rates than drivers who have more experience. In this case, drivers 18 to 24 pay $33 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Mountaineer.

Your Gender

Men tend to pay more for car insurance than women. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim. Surprisingly, when it comes to Mountaineer drivers specifically, men and women pay about the same rates a month for insurance.

Where You Live

You may already know that variables like what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live is just as important. Since car insurance is regulated at the state level, premiums differ quite a bit depending on which state you call home.

For example, the average Mercury Mountaineer driver in New York pays around $175 monthly for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Mercury Mountaineer Car Insurance Discounts

Whatever what state you live in, how old you are, or which car you drive, it's always a smart move to take advantage of as many insurance discounts as possible when shopping around for a new policy.

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

• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
• Multi-vehicle discounts for having several cars on your auto policy

There are lots of other discounts out there for saving money on your insurance. Some of the best ways to save are just by having a positive insurance profile and good driving record.

Even though you can't control every variable auto insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you can influence some of them. Below are just a few of the factors you can use to your favor when it comes to saving money:

Your Driving Record

You've no doubt observed ads from car insurance companies promoting large discounts for good drivers. And you're probably not surprised to hear that your auto insurance rates will go higher if you get into a collision or get tickets. But you still might be left wondering exactly how much these infractions will cost you.

You can tell from the table above that accidents will usually cost Mountaineer drivers more than tickets, but both will result in above average rates. Mercury Mountaineer drivers with a single accident on their record pay about $96 each month (up $16 from the $80/mo. overall average), while drivers with one ticket will pay an average of $90 per month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the amount of miles you drive. Drivers who are on the roads less often are more likely to go accident-free, so they'll generally end up paying less for insurance. In the table above, you can see that Mercury Mountaineer owners who drive between 2,500 and 5,000 miles per year pay about $73 a month for car insurance, while those who put less than 2,500 miles on their cars pay $86.

But if you happen to be one of those drivers who put very few miles on your Mercury Mountaineer each year, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mercury Mountaineers Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Mercury Mountaineer is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Mercury Mountaineer stacks up:

Overall, the Mercury Mountaineer has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $29,720, and the Mountaineer comes in close to that at $29,480. And since it's been awhile since a new Mountaineer model has been on the market, used prices will be even more affordable.

But while the purchase price runs about average, auto insurance premiums run below average when compared to other vehicles on the market. Liability insurance for a Mercury Mountaineer is about $12 per month less than average, while full coverage is more than $40 less per month.

When it comes to usage, Mercury Mountaineer drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the Mountaineer's 11,111 a year.

Mercury Mountaineer Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for insurance. But if you're considering buying a new Mountaineer, having a good idea of exactly what you'll pay can be helpful as you consider your choices.

Choose Your Model

2010 Mercury Mountaineer Car Insurance 2009 Mercury Mountaineer Car Insurance 2008 Mercury Mountaineer Car Insurance 2007 Mercury Mountaineer Car Insurance 2006 Mercury Mountaineer Car Insurance 2005 Mercury Mountaineer Car Insurance 2004 Mercury Mountaineer Car Insurance 2003 Mercury Mountaineer Car Insurance 2002 Mercury Mountaineer Car Insurance 2001 Mercury Mountaineer Car Insurance 2000 Mercury Mountaineer Car Insurance 1999 Mercury Mountaineer Car Insurance 1998 Mercury Mountaineer Car Insurance

2010 Mercury Mountaineer Car Insurance

You can expect full coverage for a 2010 Mercury Mountaineer to run around $124 monthly, while liability only coverage will average about $69 a month.

Premier has rates as cheap as $33 per month for the 2010 Mercury Mountaineer.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2009 Mercury Mountaineer Car Insurance

On average, drivers who own a 2009 Mountaineer can expect to pay $73 to $113 monthly for liability only and full coverage car insurance, respectively.

We found MetLife offered the most affordable policy, with rates sometimes as cheap as $35 per month.

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

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2008 Mercury Mountaineer Car Insurance

The average cost to insure a 2008 Mercury Mountaineer with liability only coverage is $102 monthly, while full coverage runs around $151 a month.

Looking for the cheapest policy? Arrowhead offered liability only coverage for sometimes as low as $27 per month.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

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2007 Mercury Mountaineer Car Insurance

2007 Mountaineer drivers can expect to pay an average of $86 a month for liability or $144 for full coverage.

If you're looking for the cheapest possible 2007 Mercury Mountaineer insurance policy, Safeco offered the most affordable policy we found, with rates as low as just $19 monthly.

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

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2006 Mercury Mountaineer Car Insurance

It costs about $72 per month for liability or $128 for a full coverage policy for the 2006 Mercury Mountaineer.

With prices as little as $19 monthly, Clearcover offered the lowest policy we found for the 2006 Mercury Mountaineer.

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

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2005 Mercury Mountaineer Car Insurance

2005 Mountaineer drivers can expect to pay an average of $90 a month for liability or $131 for full coverage.

Safeco offered the most affordable policy we found, with rates as little as just $23 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of free customized quotes.

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2004 Mercury Mountaineer Car Insurance

On average, drivers who own a 2004 Mercury Mountaineer can expect to pay $83 to $131 a month for liability only and full coverage auto insurance, respectively.

With premiums sometimes as low as $20 per month, MetLife offered the lowest policy we found.

If you want to find the best prices for car insurance for a 2004 Mercury Mountaineer, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 Mercury Mountaineer Car Insurance

You can expect full coverage for a 2003 Mountaineer to run around $127 monthly, while liability only coverage will average about $80 a month.

With rates as cheap as $24 per month, Shelter Mutual offered the cheapest policy we found for the 2003 Mercury Mountaineer.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing lots of personalized quotes from the nation's top insurance carriers.

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2002 Mercury Mountaineer Car Insurance

It costs around $82 a month for liability or $120 for a full coverage policy for the 2002 Mercury Mountaineer.

If you're looking for the lowest possible 2002 Mercury Mountaineer insurance policy, Dairyland offered the lowest policy we found, with rates sometimes as little as $21 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2001 Mercury Mountaineer Car Insurance

The average cost to insure a 2001 Mountaineer with liability only coverage is $83 monthly, while full coverage runs about $122 a month.

We found Gainsco offered the cheapest policy, with rates as low as $20 monthly.

These average premiums are a great starting point if you're in the market for a 2001 Mercury Mountaineer, but there are a range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2000 Mercury Mountaineer Car Insurance

2000 Mercury Mountaineer drivers can expect to pay an average of $83 per month for liability or $107 for full coverage.

With rates sometimes as cheap as $18 a month, StateAuto offered the lowest policy we found.

Interested in what your auto insurance premium will be? Get several free personalized quotes by just entering your ZIP code below.

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1999 Mercury Mountaineer Car Insurance

On average, drivers who own a 1999 Mountaineer can expect to pay $70 to $85 monthly for liability only and full coverage car insurance, respectively.

Safeco offered the cheapest policy we found, with rates as little as just $19 per month.

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

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1998 Mercury Mountaineer Car Insurance

The average cost to insure a 1998 Mercury Mountaineer with liability only coverage is $74 a month, while full coverage runs around $100 per month.

Mile Auto has prices as little as $25 monthly for the 1998 Mercury Mountaineer.

What could your insurance price look like? Get multiple free customized quotes by just entering your ZIP code below.

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Mercury Mountaineer Insurance FAQs

Is a Mercury Mountaineer expensive to insure?

The Mercury Mountaineer is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $80 a month, while full coverage will cost you around $127.

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

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from quite a few companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mercury Mountaineer 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 the case. There are lots of variables auto insurance companies examine when they decide how much your policy will be, but your car's color is not factored into that decision.

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

Before you can legally drive your new (or new to you) Mercury Mountaineer off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to talk with your car insurance company before you buy.

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

You will find a variety of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your Mountaineer has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts, since they shift quite a bit from company to company.