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 25% 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 2711 customers real and customized Mercury car insurance quotes. See what drivers like you saved in the table below.

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 costs for popular Mercury models

The cost of auto insurance is affected by the Mercury model you drive. Your insurance rate can vary based on your vehicle specs, such as:

• Safety features: Features like side-impact airbags and anti-theft devices can make your Mercury safer to drive, which also helps lower insurance costs.
• Vehicle value: The more your car is worth, the more it typically costs to insure. In other words, 2009 and 2010 Mercury models may cost more to cover than models from the ‘90s. The same can be said for insuring classic or collector vehicles—despite classic car coverage costing less than most standard auto insurance policies, insuring a highly valuable model (such as a ‘46 Sportsman Woody or ‘65 Comet Cyclone) can still impact your rates.
• Availability of replacement parts: One of the major factors that drive up Mercury insurance rates is the availability of parts. Once a vehicle goes out of production, parts become harder to source, making maintenance and repairs more costly.
• Cost of repairs: Speaking of repairs, insurance companies also consider this expense when calculating your rates. Repairing older vehicles can cost more—and if the cost of repairs exceeds your car’s value, insurers will likely declare it a total loss.

The table below provides the average costs of auto coverage for popular Mercury models.

Minimum coverage insurance refers to the mandatory amount of liability coverage that’s legally required in your state. Minimum coverage policies are typically the cheapest, as they only include low amounts of basic liability insurance (e.g. bodily injury and property damage liability).

Full-coverage insurance can offer greater protection than minimum coverage—albeit at a greater cost. A typical full coverage policy includes your basic liability insurance, along with both collision and comprehensive coverage—which help safeguard you against damages to yourself, your car, and other vehicles and passengers involved in an accident.

Mercury Grand Marquis insurance costs

Once a staple of the automotive landscape, the Mercury Grand Marquis exudes old-school charm capable of capturing the hearts of enthusiasts who appreciate its enduring style and unparalleled comfort. As a steadfast relic of the past, the Grand Marquis continues to captivate drivers who seek a little bit of nostalgia in a modern world—as evidenced by its recent appearance on Forbes’ 2021 list of Best Used Cars Under $5,000.

Today, Mercury Grand Marquis owners pay an annual premium of $152 per month for state minimum coverage, and $102 per month for full coverage.

Check out the table below to see what real drivers are paying for Grand Marquis coverage, with savings from Jerry.

Mercury Marauder insurance costs

A former commuter favorite, the Mercury Marauder impressed in the early 2000s with its surprisingly good gas mileage and nimble handling. Although it’s become a rarity to see Marauders on the road today, the Marauder was once well-loved by a vast community of drivers, earning 4.7 stars in its customer reviews on Edmunds.

On average, Mercury Marauder car insurance costs $0 per month for state minimum coverage, or $0 per month for full coverage.

Check out the table below to see what real drivers are paying for Marauder coverage, with savings from Jerry.

Mercury Sable insurance cost

Produced from 1990 all the way to 2009, the Mercury Sable proved itself a solid option among full-size sedans with plenty of room in its cabin and trunk, top-notch safety features, and modern-adjacent amenities like power seats and an auto-dimmer rearview. In later years, the Sable evolved to offer options like rear-wheel or all-wheel drive, cruise control, and two distinct trim levels—the base and the Premier.

Today, Mercury Sable drivers can expect to pay around $88 per month for state minimum coverage, and $134 for full coverage.

Check out the table below to see what real drivers are paying for Mercury Sable, with savings from Jerry.

Mercury Milan insurance costs

Formerly described as a “sporty, family-sized” sedan by reviewers on Edmunds, the Mercury Milan boasted practicality, sensibility, and style for the contemporary family. The Milan came decently equipped for its time with features like keyless entry, reverse parking sensors, and an integrative multi-media system.

While it’s far from popular even among used cars of today, the Mercury Milan may still serve as the perfect learner’s car for new drivers. If you still keep a Mercury Milan in your driveway or garage, you can expect to pay $168 per month for minimum coverage, and $100 per month for full coverage.

Check out the table below to see what real drivers are paying for Mercury Milan, with savings from Jerry.

Compared to the average cost of other cars, Mercury vehicles cost 25% less to insure.

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.

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.

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.

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.

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.

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:

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:

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.

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.

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

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.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.