Over the past year, Jerry has helped 2,905 Mercury drivers find strong coverage and real savings. By analyzing actual Mercury insurance policies, we know what owners are paying today and what you can expect at each level of protection.
Competitive annual prices for Mercury drivers are currently around:
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$796 for basic coverage.
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$1,268 for standard coverage.
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$1,503 for premium coverage.
These numbers are just a starting point, though, and your exact rate depends on factors like your model, driving history and location.
On average, Mercury drivers pay between $1,858 and $3,814 annually for full coverage, with an average premium around $3,201. That’s slightly below the national average of $4,056, thanks to Mercury’s strong reliability and modest repair costs.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Mercury insurance with Jerry.
How much does Mercury insurance cost?
Mercury insurance rates vary, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even two Mercury drivers in the same area can pay very different premiums. Jerry compares rates from top insurers in real time so you can find coverage that fits your needs and your budget.
What’s the best Mercury car insurance?
Mercury vehicles are known for practicality, comfort and reliability. Protecting that value means choosing coverage that’s as steady and dependable as your car.
If your Mercury is financed or leased, your lender will require full coverage. You may also need gap insurance, which covers the remaining balance on your loan if your car is totaled.
Jerry recommends Mercury drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles with consistent value and higher repair costs.
Here are the most common coverage options Mercury drivers choose, what they include and why they matter.
Higher liability limits
Mercury models are built for comfort, but even minor at-fault accidents can be expensive. Over a third (35%) of Jerry Mercury drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision protect your Mercury from theft, weather, and at-fault damage. Roughly 22% of Mercury drivers carry full coverage for added peace of mind.
OEM parts coverage
Keeps your Mercury running smoothly with trusted parts and experienced technicians. Usually offered for vehicles between three and ten years old.
New car replacement
Replaces your Mercury with a comparable model if yours is totaled early in ownership.
Roadside assistance
Covers towing, lockouts and jump-starts — a simple, inexpensive add-on that many Mercury drivers keep year-round.
Rental reimbursement
Covers a rental car while your Mercury is in the shop. Most insurers offer 30 to 45 days of coverage depending on your plan and state.
Gap insurance
Covers what’s left on your lease or loan if your Mercury is totaled. Roughly 39% of all drivers add gap coverage when financing their car.
Accident forgiveness
Keeps your rate steady after your first at-fault accident. Without it, premiums can rise by 46% on average.
See coverage options for your Mercury.
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Coverage definitions
4 smart ways Mercury drivers can shop and lower insurance costs
Finding the right insurance means balancing protection and price. For Mercury owners, that balance depends on your model, driving record and how much you drive.
Jerry’s experts help Mercury drivers keep costs down without sacrificing the coverage that keeps their cars protected. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 34% to 59% among Mercury drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before buying
Not every insurer prices Mercury coverage accurately. Some overestimate costs for older models, while others recognize their reliability. Comparing quotes before renewal helps you secure a fair rate for the same protection.
Here’s where Mercury drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Mercury drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 50% | 38% |
| Dairyland | 50% | 45% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Mercury drivers can save nearly half by comparing quotes. Jerry shows prices in real time so you can find your best deal before you buy.
Tip 2: Stack discounts to unlock hidden savings
Mercury drivers often qualify for several discounts like safe driving, low-mileage or bundling home and auto. But insurers don’t always apply them automatically. Jerry finds and stacks discounts you deserve so you don’t leave savings on the table.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust coverage as your Mercury ages
Older vehicles often don’t need the same level of coverage as new ones. Many Mercury owners lower premiums by raising deductibles or dropping extras as their vehicle’s value decreases.
Minimum
$77 – $169/mo
Offers the legal minimum limits, which vary by state.
Full
$119 – $240/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$154 – $316/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$178 – $372/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Mercury drivers carry full coverage when their vehicles are newer, then adjust over time. Jerry experts recommend 100/300/100 liability for lasting protection.
Tip 4: Try telematics for personalized savings
Telematics programs track how you drive, including things like speed, braking and mileage. Carriers then set your rate based on your real-world habits. For Mercury drivers, these programs can reduce premiums by an average of 6%, especially for steady, low-mileage drivers.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Mercury drivers, real savings
Want to see what Mercury owners are actually saving? Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Mercury insurance costs can vary, but paying more than you should isn’t inevitable. Whether you drive a Milan, Grand Marquis or Mountaineer, Jerry helps you find coverage that fits your car’s reliability and value, without all the hassle.
We compare top insurers, uncover discounts and manage renewals so your coverage stays dependable and affordable.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
