Mercury Insurance Cost
Across 7 Mercury models, full coverage averages about $1,218 a year by our estimate — −23% versus the average vehicle ($1,590).
Mercury insurance profile
Mercury’s lineup is made up mostly of 3 full-size cars, 1 midsize car, and 1 small suv.
Every Mercury model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Monterey | Minivan | 2005–2007 | — | $1,135 | −29% |
| Mariner | Small SUV | 2005–2011 | — | $1,165 | −27% |
| Mountaineer | Midsize SUV | 2005–2010 | — | $1,190 | −25% |
| Milan | Midsize car | 2006–2011 | — | $1,255 | −21% |
| Grand Marquis | Full-size car | 2005–2011 | — | $1,260 | −21% |
| Sable | Full-size car | 2005–2009 | — | $1,260 | −21% |
| Montego | Full-size car | 2005–2007 | — | $1,260 | −21% |
What makes Mercury insurance cost more or less
- Segment mix: 3 full-size car, 1 midsize car, 1 small suv, 1 midsize suv, 1 minivan.
Average Mercury insurance cost by state
Average full-coverage estimate across current Mercury models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $999 | −18% |
| North Dakota | $1,011 | −17% |
| Vermont | $1,021 | −16% |
| Idaho | $1,064 | −13% |
| Iowa | $1,069 | −12% |
| Wisconsin | $1,074 | −12% |
| Hawaii | $1,081 | −11% |
| Indiana | $1,115 | −8% |
| New Hampshire | $1,116 | −8% |
| Ohio | $1,121 | −8% |
| North Carolina | $1,174 | −4% |
| South Dakota | $1,208 | −1% |
| Wyoming | $1,234 | +1% |
| Kansas | $1,256 | +3% |
| Montana | $1,256 | +3% |
| Nebraska | $1,261 | +4% |
| Tennessee | $1,305 | +7% |
| Minnesota | $1,311 | +8% |
| West Virginia | $1,314 | +8% |
| Kentucky | $1,318 | +8% |
| Virginia | $1,347 | +11% |
| Washington | $1,359 | +12% |
| Illinois | $1,360 | +12% |
| Alabama | $1,367 | +12% |
| Pennsylvania | $1,371 | +13% |
| Alaska | $1,374 | +13% |
| Arkansas | $1,385 | +14% |
| Oregon | $1,400 | +15% |
| New Mexico | $1,408 | +16% |
| Oklahoma | $1,416 | +16% |
| Utah | $1,417 | +16% |
| Missouri | $1,426 | +17% |
| Mississippi | $1,501 | +23% |
| California | $1,537 | +26% |
| Massachusetts | $1,539 | +26% |
| Arizona | $1,641 | +35% |
| Connecticut | $1,661 | +36% |
| South Carolina | $1,669 | +37% |
| Michigan | $1,708 | +40% |
| Delaware | $1,739 | +43% |
| Maryland | $1,756 | +44% |
| Colorado | $1,781 | +46% |
| Nevada | $1,787 | +47% |
| Texas | $1,860 | +53% |
| New Jersey | $1,878 | +54% |
| Rhode Island | $1,885 | +55% |
| Georgia | $1,930 | +58% |
| District of Columbia | $1,974 | +62% |
| New York | $2,093 | +72% |
| Louisiana | $2,164 | +78% |
| Florida | $2,223 | +83% |
Frequently asked questions
How much does it cost to insure a Mercury?
Across 7 current Mercury models, our full-coverage estimate averages $1,218 a year for a driver in their 30s with a clean record, 23% less than the average vehicle ($1,590).
What is the cheapest Mercury to insure?
The Mercury Monterey has the lowest estimate at about $1,135 a year for full coverage; the Mercury Montego is the most expensive at about $1,260.
Where is it cheapest to insure a Mercury?
By our estimates, Maine is the cheapest state (about $999 a year on average across current models) and Florida the most expensive (about $2,223).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.