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Cheapest Mercury Car Insurance (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Mercury.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Mercury car insurance cost? 

Mercury drivers face unique challenges when it comes to finding affordable auto insurance, given that vehicle production for the Ford-operated division was halted over a decade ago. 
Defunct car brands can get more expensive to insure as parts become harder to source—and Mercury models dating back to the 1950s and ‘60s may be better served by a classic car insurance policy as opposed to typical coverage. 
According to the analysis of Jerry’s insurance experts, the average Mercury insurance cost is $95 per month. Compared to the national average for other car brands, Mercury vehicles are 33% less expensive to insure. 
Keep in mind that a variety of factors play a role in determining your Mercury insurance cost, including your car’s model and age, as well as your personal driving record and insurance history. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Mercury car insurance quote? 

With help from Jerry, you can quickly and easily compare customized quotes. Jerry has given 4779 customers real and customized Mercury car insurance quotes. See what drivers like you saved in the table below. 
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
November 13, 2024
Mercury Sable PremierAllstate
$115
• 50,000/100,000 Liability
• Comp / Collision
November 9, 2024
Mercury MountaineerMercury
$135
• 100,000/300,000 Liability
November 6, 2024
Mercury Monterey LuxuryNational General
$135
• 50,000/100,000 Liability
• Comp / Collision
November 3, 2024
Mercury Grand Marquis LSState Auto
$145
• State Minimum Liability
November 2, 2024
Mercury Grand Marquis GSPlymouth Rock
$84
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

The best car insurance companies for Mercury drivers

Here's the deal: there's no one-size-fits-all insurance company that's the absolute best for every Mercury driver. The right company for you hinges on factors like your driving history, demographics, and eligibility for discounts—along with the type of vehicle you drive. 
To find out which insurance companies offer the most competitive rates for Mercury owners, Jerry conducted the largest
insurance shopping
survey in the nation. See how Mercury drivers rank different insurance companies in the table below. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco
When I signed up for Safeco I saved so much money! it was really quick and it only took a few minutes. It was painless, 10/10 would do it again. Now I have extra money for my trip in March!
Blake
Safeco
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
Assurance America
They are great and affordable! Needed insurance quick and they were not only the best option but were quick and very nice to work with on the phone.
Ericah
Progressive
Progressive offers a great price and made it relatively easy for me to switch car insurance, with the help of Jerry of course.
Ian

Is a Mercury more expensive to insure?

Compared to the average cost of other cars, Mercury vehicles cost 33% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Porsche
$83
$197
Toyota
$93
$166
Mercury
$95
$149
Audi
$96
$201
Hyundai
$101
$186

Cheapest Mercury to insure

When it comes to a standard auto policy, the cheapest Mercury model to insure is the 2010 Mercury Mountaineer, which costs on average $71 per month for state minimum coverage or $210 per month for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2010 Mercury Mountaineer
$73
$168
2010 Mercury Mercufy Grand
$87
$151
2010 Mercury Mariner
$103
$168
2010 Mercury Milan
$111
$168
2011 Mercury --
$136
$135

Most expensive Mercury to insure

Across the board, Mercury models see low average rates for standard coverage. The most “expensive” Mercury model to insure is 2010 Mercury Milan, with an average monthly premium of $111 for state minimum coverage and an average of $188 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2010 Mercury Milan
$111
$168
2010 Mercury Mariner
$103
$168
2010 Mercury Grand
$87
$151
2010 Mercury Mountaineer
$73
$168
While averages can be helpful in estimating personal insurance costs, they’re not foolproof. 
Keep in mind that insurance rates are also contingent on factors like your driving history, demographics, residential location, and more. The best way to find coverage that fits your needs is by shopping for personalized insurance quotes using a comparison website or app, like Jerry. 

What factors affect Mercury car insurance rates?

A number of factors contribute to
how car insurance rates are calculated
, including:
  • Vehicle cost: Higher-value models will incur more expensive premiums. 
  • Vehicle age: With the exception of some collector cars, older Mercury models cost less to insure than newer ones. 
  • Cost of parts: Less common models come with higher costs for replacements and repairs, making them a greater risk to insurance companies. 
  • Your age: Drivers under 25 face higher insurance rates due to limited experience, while senior drivers above 70 can also encounter increased rates.
  • Your driving record and claims history: Insurance companies offer lower rates to individuals with a clean driving record, while those with a history of accidents, tickets, and violations can expect higher rates.
  • Where you keep your car: Insurance costs are typically higher for individuals who park in neighborhoods with higher rates of property crime and auto theft. 
Here are a few specific factors that impact insurance rates for Mercury vehicles:
  • Safety: Many Mercury models lack the modern safety tech that insurers like to see, which could impact your rates. 
  • Availability: As a defunct brand, parts can be harder to source and more costly to purchase. 
  • Usage: Insuring a classic or collector’s car that’s driven for leisure purposes is cheaper than insuring your primary ride. 

Mercury insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face outsized rates for car insurance coverage, in large part due to their lack of driving experience and insurance history. When exploring coverage options for your teen, it’s worth investing in a full-coverage insurance policy that can offer the greatest protection to inexperienced drivers. 

card cover
Fred (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMercury Milan Premier
$160
per month
card cover
Jean (21 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMercury Milan Premier
$172
per month
card cover
Lulu (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carMercury Grand Marquis GS
$156
per month
card cover
Clearcover
Adam (24 years old)
coverageCoverage
100,000 per person
200,000 per accident bodily injury
carMercury Grand Marquis LS
$150
per month
card cover
Max (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNewman Lake, WA
carMercury Mariner
$165
per month

Mercury insurance cost for senior drivers

Many insurance providers view senior drivers as a risky age group to cover. That’s because:
  • Senior drivers have a higher probability of being involved in car accidents
  • Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they turn 75. 

card cover
Francis (69 years old)
coverageCoverage
State Minimum
locationBarnegat, NJ
carMercury Grand Marquis GS
$114
per month
card cover
Amelia (67 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationLittle Rock, AR
carMercury Grand Marquis LS
$66
per month
card cover
Phillip (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationToledo, OH
carMercury Mariner Premier
$76
per month
card cover
Luis (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercury Sable Premier
$136
per month
card cover
Henry (88 years old)
coverageCoverage
State Minimum
carMercury Milan
$128
per month

Mercury insurance cost for drivers with driving violations 

In addition to the type of car you drive, your Mercury insurance costs are also influenced by your driving record. In general, drivers with a “clean” record (unblemished by tickets or insurance claims) enjoy the lowest rates. 
However, if you have any of the following violations on your record within the last three to five years, you could find yourself paying more for coverage:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Mercury drivers with a speeding ticket

Speeding tickets are among the most common road violations—and they can have a big impact on your car insurance costs. While a single ticket for a minor speeding infraction isn’t likely to impact your rates, a more serious infraction or repeated history of speeding can drive up the cost of your coverage. 
Here’s how Jerry helps Mercury drivers with varying degrees of speeding tickets save on their car insurance. 

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Mercury Grand Marquis LSProgressive
$127
• 50,000/100,000 Liability
Speeding 6-10
Mercury Grand Marquis GSNational General
$191
• State Minimum Liability
Speeding 11-15
Mercury MontereySafeco
$81
• 100,000/300,000 Liability
coverageLast Updated Nov 18, 2024

Cheapest car insurance for Mercury drivers with a DUI

Having a
DUI conviction
on your driving record can result in insurance carriers charging significantly higher rates—or potentially refusing to cover you altogether.
You may need to compare rates from multiple insurance companies to find affordable options after a DUI. That’s where Jerry can help: 

card cover
Estella (35 years old)
DUI
coverageCoverage
State Minimum
locationSt. Louis, MO
carMercury Mariner Hybrid
$118
per month
card cover
Calvin (32 years old)
DUI
coverageCoverage
State Minimum
carMercury Grand Marquis LS
$92
per month
card cover
Christian (30 years old)
DUI
coverageCoverage
15,000 per person
30,000 per accident bodily injury
locationWaretown, NJ
carMercury Milan Hybrid
$177
per month
card cover
Gainsco
Scott (62 years old)
DUI
coverageCoverage
State Minimum
carMercury Monterey Luxury
$107
per month
card cover
Clearcover
Sean (52 years old)
DUI
coverageCoverage
State Minimum
carMercury Grand Marquis LS
$220
per month

Cheapest car insurance for Mercury drivers after an accident

Like your driving record, insurance companies also consider your accident history when calculating rates. 
Your car accident or claims history can significantly impacts Mercury car insurance costs—and if you’ve been involved in an at-fault accident recently, there’s a potential for your costs to skyrocket. See how Jerry has helped Mercury drivers save after an accident: 

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With No Injury
Mercury Mountaineer PremierNationwide
$110
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Mercury Grand Marquis LSTravelers
$88
• 100,000/300,000 Liability
Not At Fault
Mercury MarinerAllstate
$112
• State Minimum Liability
At Fault With No Injury
Mercury Mountaineer PremierSafeco
$97
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Mercury Montego PremierMercury
$158
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Nov 18, 2024

Cheapest car insurance for Mercury drivers with other driving violations on their record

Apart from speeding tickets and DUIs, various other types of violations can also raise your car insurance rates. Keep in mind your rate for classic car insurance can be influenced by at-fault accidents, speeding tickets, or DUI convictions on your driving record—just like they can impact your regular auto insurance rate. 
We have helped Mercury drivers save on their insurance despite these violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Mercury Grand Marquis GSProgressive
$174
• 15,000/30,000 Liability
Defective Equipment
Mercury Grand Marquis GSAllstate
$75
• State Minimum Liability
Failure to Obey Signal
Mercury VillagerNationwide
$87
• State Minimum Liability
Cell Phone
Mercury Cougar XR7National General
$176
• No Coverage Liability
Careless Driving
Mercury Milan HybridAAA
$177
• 15,000/30,000 Liability
Driving on Sus. License
Mercury Grand Marquis LS
Clearcover
$65
• State Minimum Liability
Failure to Obey Signal
Mercury MilanAllstate
$158
• 50,000/100,000 Liability
Seat Belt
Mercury Grand Marquis GSProgressive
$79
• No Coverage Liability
Improper Passing
Mercury Sable PremierState Auto
$139
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

How can I lower the cost of my Mercury car insurance?

Looking to keep your Mercury insurance costs as low as possible? Try implementing some of the tricks below: 
  • Shop around: One of the fastest and easiest ways to find low rates is by comparing quotes from multiple auto insurance companies. Experts recommend getting at least three different quotes to find the best price for your coverage needs. Jerry can simplify the process by gathering quotes on your behalf—and with over 50+ name-brand insurance partners, you’re sure to find plenty of options. 
  • Bundle your insurance policies: Bundling your insurance products with the same company—such as your auto and home insurance or renter’s insurance—can help you earn a lower overall bill. 
  • Look for discounts: Most insurance providers offer an array of discounts that could help you lower the cost of coverage, so be sure to ask your insurance agent whether you’re eligible if you haven’t already. Some of the most common include good driver discounts, good student discounts, loyalty discounts, and clean record discounts. 
  • Reduce your coverage: Consider
    reducing the amount of coverage
    on older or less frequently driven cars to help lower your bill. This is an especially good idea if your car is worth less than 10 times the premium you’re paying.

FAQs

Production of the Ford-operated division of Mercury vehicles ceased in 2011, at which point only a handful of models were still being manufactured. Despite its decade-long disappearance from the mainstream automobile scene, certain Mercury models—like the Grand Marquis—continue on as affordable options for used-car buyers. 
In general, no. As an older car brand, Mercury auto insurance rates tend to be low, with monthly minimum insurance costs well below $100. However, defunct car brands face unique insurance challenges as replacement parts become harder to source and value plummets exponentially—factors that could contribute to shifts in insurance costs. 
No. While many factors influence the cost of Mercury car insurance rates—including your driving history, location, and age—the color of your car is not one of them. 
In many cases, basic liability coverage will suffice for Mercury vehicles—so purchasing a policy that meets your state’s minimum requirements for bodily injury liability and property damage liability (as well as uninsured/underinsured motorist coverage, if necessary) should be all you need to take to the roads. 
Add-on types of coverage like collision and comprehensive insurance are recommended for newer vehicles rather than used ones—although if you plan on letting your teen get behind the wheel, it may be beneficial to invest in additional coverage. 
On average, car insurance for a Mercury Grand Marquis costs just $102 per year for state minimum coverage, and $152 per year for full coverage. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.