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The average cost of Mercury car insurance is $1,393 per year. Mercury insurance costs vary according to the model, driving record, location, and your insurance provider.
Finding one single insurance company with the most affordable rates for every Mercury owner is a near-impossible task. If someone has multiple speeding tickets and drives a 2011 Mariner, their insurance rates will differ from someone driving a 2003 Monterey with a clean driving record. This could make getting low-cost car insurance for your Mercury difficult.
That’s exactly where Jerry, the trustworthy super app, comes in! Signing up takes less than a minute, and you'll be offered competitive prices from dozens of leading insurers. In this article, we'll go over everything that affects Mercury insurance costs and give you some tips on how to find the best rates.
How much does Mercury car insurance cost?
The average annual cost of Mercury auto insurance is $1,393. Mercury insurance costs will vary depending on the model, the driver's history, policy limits, and location.
Mercury used to have an advantage over standard economy-class Ford vehicles as a mid-range line before the line was discontinued in 2011. Most used Mercury cars are now (luckily!) quite cheap to insure.
With simple, safe designs, Mercury drivers are less likely to file a claim in the case of an accident, which can lead to cheaper insurance rates. Most Mercury models also aren’t composed of pricey parts, which can help lower rates as well.
Comparing quotes from several providers is the simplest way to verify you're getting the best deal on Mercury insurance—which is where Jerry comes in.
Jerry compares insurance quotes from 55+ providers in less than a minute, ensuring you get the best coverage and lowest price without sorting through policies, making phone calls, and all the other usual hassles.
Check out the table below to see what Mercury insurance quotes Jerry has to offer and to hear from real Jerry customers!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| April 1, 2023 | Mercury Sable LS Premium | $197/mo. | $63/mo. | Saluda, SC | 29138 | Marie H. | 67 | National General |
| December 30, 2022 | Mercury Grand Marquis GS | $275/mo. | $111/mo. | Melbourne, FL | 32935 | Dollie G. | 52 | Progressive |
| November 28, 2022 | Mercury Milan Premier | $298/mo. | $232/mo. | Holiday, FL | 34691 | Minnie D. | 33 | Progressive |
| July 5, 2022 | Mercury Sable LS Premium | $194/mo. | $186/mo. | Philadelphia, PA | 19120 | Jeffrey L. | 54 | AAA |
| November 18, 2021 | Mercury Montego Luxury | $121/mo. | $120/mo. | Lewiston, ID | 83501 | Dean P. | 32 | Dairyland |
How much insurance do you need for a Mercury?
The insurance needs of each driver are determined by a variety of criteria, including the age of your Mercury and the state it's registered in.
At a bare minimum, you’ll need to get your state's minimum required auto insurance, which often includes liability coverage (both bodily injury liability and property damage liability). If you're involved in an at-fault accident, this coverage ensures you are not obligated to pay for the other driver's expenses.
You might need to obtain one of the following types of insurance, though, depending on your state:
- Uninsured/underinsured motorist coverage: This will shield your wallet in the event of a collision with a driver who lacks the necessary liability insurance to cover your costs
- Personal injury protection (PIP): Gives you and your passengers additional protection if you are injured in a car accident; no-fault states mandate this
- Medical payments (MedPay) coverage: Partially pays for the medical costs for you and your passengers
You'll be legally protected if you meet the minimal requirements set by your state, but you might not have the full scope of coverage that you truly need. A "full coverage car insurance policy" that includes collision and comprehensive coverage is typically a wise addition.
As the name implies, collision insurance pays for damage incurred in collisions with other cars or objects. On the other hand, comprehensive coverage covers damages caused by situations other than collisions, like bad weather, theft, or vandalism.
Your lender may even ask that you get "full coverage" and gap insurance to pay the difference between the value of your car and the remaining loan balance.
Mercury car insurance rates by model
The model of Mercury you drive has a big influence on your insurance costs. In general, smaller and less costly vehicles, like the Monterey, will cost less to insure more expensive models, like the Sable.
However, there is a lot more to it than that! Let's look at the average annual prices for a few of the most popular Mercury models and see how they may affect your car insurance.
How much does Mercury Grand Marquis GS insurance cost?
The Grand Marquis GS was a classic highway cruiser with a sturdy frame and significant towing capability. It also boasts higher-than-average Mercury car insurance costs, thanks in part to its full size and status as the premium model of the Mercury Marquis.
The table below illustrates how the age of the car and the coverage selections affect the typical premiums for Grand Marquis GS drivers.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2010 Mercury Grand Marquis Gs | $1,134 | $1,668 |
| 2008 Mercury Grand Marquis Gs | $1,704 | $1,815 |
| 2007 Mercury Grand Marquis Gs | $1,887 | $1,349 |
| 2005 Mercury Grand Marquis Gs | $1,302 | $1,637 |
| 2004 Mercury Grand Marquis Gs | $1,112 | $1,356 |
Check out our in-depth guide to Mercury Grand Marquis GS insurance costs for more information!
How much does Mercury Mystique LS insurance cost?
The Mercury Mystique LS featured great handling and a lower pricing point, and it aimed to provide drivers with road-going thrills. While driving the Mystique LS can make for some fun stories, the risks associated with driving a more performance-oriented car can make for some pricey insurance rates.
The table below compares full and minimum coverage prices for various Mystique LS model years.
The cost of Mystique LS insurance is also affected by your driving record. Here's a table breaking down Mercury Mystique LS insurance for drivers with different violations on their record:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2010 Mercury Mystique Ls | $1,134 | $1,668 |
| 2008 Mercury Mystique Ls | $1,704 | $1,815 |
| 2007 Mercury Mystique Ls | $1,887 | $1,349 |
| 2005 Mercury Mystique Ls | $1,302 | $1,637 |
| 2004 Mercury Mystique Ls | $1,112 | $1,356 |
Check out our in-depth guide to Mercury Mystique LS insurance costs for more information!
How much does Mercury Cougar V6 insurance cost?
The Cougar is the highest-selling nameplate made by the Mercury brand, and the Cougar V6 has a powerful V6 engine and distinct styling. Last produced in 2002, the Cougar V6 had good suspension, outstanding handling abilities, and strong brakes—making it an ultra-fun ride on twisty, curvy roads.
Check out this table for a breakdown of the average annual Cougar V6 premiums:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2010 Mercury Cougar V6 | $1,134 | $1,668 |
| 2008 Mercury Cougar V6 | $1,704 | $1,815 |
| 2007 Mercury Cougar V6 | $1,887 | $1,349 |
| 2005 Mercury Cougar V6 | $1,302 | $1,637 |
| 2004 Mercury Cougar V6 | $1,112 | $1,356 |
Check out our in-depth guide to Mercury Cougar V6 insurance costs for more information!
How much does Mercury Monterey insurance cost?
With a simple, safe design, and as Mercury’s flagship mid-range model, the Monterey has some of the lowest car insurance rates amongst the brand. Later models, especially, boasted an extensive list of safety features and superb crash test scores, which help lower insurance rates. That said, your Monterey insurance premiums may rise due to your age, driving record, or policy selections.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2010 Mercury Monterey | $1,134 | $1,668 |
| 2008 Mercury Monterey | $1,704 | $1,815 |
| 2007 Mercury Monterey | $1,887 | $1,349 |
| 2005 Mercury Monterey | $1,302 | $1,637 |
| 2004 Mercury Monterey | $1,112 | $1,356 |
Check out our in-depth guide to Mercury Monterey insurance costs for more information!
How much does Mercury Mountaineer insurance cost?
One of Mercury’s more truck-inspired SUVs, the Mountaineer has a high towing capacity and a powerful engine. Several issues stemming from the body and transmission, and the Mountaineer’s lower reliability, can hike up insurance rates.
And if you have a poor driving record, this can increase your insurance premiums even more.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2010 Mercury Mountaineer | $1,134 | $1,668 |
| 2008 Mercury Mountaineer | $1,704 | $1,815 |
| 2007 Mercury Mountaineer | $1,887 | $1,349 |
| 2005 Mercury Mountaineer | $1,302 | $1,637 |
| 2004 Mercury Mountaineer | $1,112 | $1,356 |
Check out our in-depth guide to Mercury Mountaineer insurance costs for more information!
Compare Mercury car insurance quotes
No matter how many hours you spend sorting through policies and comparing providers, there is no guarantee that you'll discover one that is custom-fit to you and your specific car.
Jerry can take on all the leg work of comparing Mercury car insurance quotes so that you don’t have to. Jerry will generate competitive quotes from leading providers in less than a minute, using information from your previous insurance, so you won't have to fill out any lengthy paperwork or make any phone calls.
Comparing quotes from at least three insurance companies is the easiest way to find the best deals—and with Jerry, you’ll get quotes from over 55 insurance providers!
Best car insurance companies for your Mercury
Mercury owners might find some of the most affordable insurance rates from companies such as Allstate, National General, and Progressive, but no single insurer can offer the lowest insurance prices across the board.
This is because each auto insurance company utilizes a different algorithm to determine its prices. One carrier may place a greater priority on added safety features, whilst another may provide discounts if you have a clean driving record, resulting in reduced premiums.
Fortunately, Jerry can instantly compare rates from 55+ leading insurance companies, making it simpler than ever to choose the ideal coverage for you and your Mercury.
Compare Mercury car insurance quotes from various companies to discover how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Allstate | $2,426 | $1,107 | |
| National General | $2,385 | $844 | |
| Clearcover | $2,063 | $787 | |
| Dairyland | $2,326 | $787 | |
| Progressive | $2,290 | $768 | |
| Safeco | $2,044 | $727 | |
| State Auto | $2,210 | $688 | |
| Nationwide | $2,191 | $677 | |
| Travelers | $1,959 | $420 | |
| Kemper | $1,628 | $402 | |
| Compare Prices | |||
Mercury auto insurance cost by driving record
Mercury insurance rates are influenced not just by the model you own or your insurance company but also by your driving record.
If you drive safely, your insurance costs will be lower. Even small infractions can cause big hikes in your insurance rates. Mercury drivers convicted of DUI should expect to pay an extra $1,393 for car insurance each year, while a speeding ticket can add $2,111 to your yearly premiums!
See how having a clean driving record can significantly lower your Mercury insurance costs in the table below.
Mercury car insurance cost by location
The last thing you need to think about is your location. Mercury owners in California will pay a different rate than Mercury owners in Washington since insurance rates vary depending on your car and where you live.
Do you want to know how your rates stack up against the national average? Look at the table below.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,718 | $1,620 | |
| Columbia | $3,110 | $1,101 | |
| Goldsboro | $2,280 | $836 | |
| Hillsboro | $1,248 | $219 | |
| Lynchburg | $2,244 | $1,102 | |
| Orlando | $2,232 | $834 | |
| Philadelphia | $3,191 | $1,211 | |
| Saint Louis | $1,552 | $416 | |
| Smyrna | $1,759 | $475 | |
| Tipp City | $1,374 | $297 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
