Mercury Milan Insurance: How much is car insurance for a Mercury Milan?

The average Mercury Milan car insurance rates are $90/month. You may see lower car insurance rates on a Mercury Milan because it received 4/5 stars for safety in government crash tests. Compare cheap Mercury Milan insurance rates online now!

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 20, 2020

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Here's what you need to know...

  • The average Mercury Milan car insurance rates are $90/month.
  • Full coverage costs around $1,082 a year or $90 each month
  • A liability-only policy costs around $433 a year or $36 each month
  • Highest rates are for teenage drivers at around $3,955 a year or $330 each month
  • Good drivers can save as much as $446 a year by earning policy discounts
  • Mercury Milan insurance costs around $437 less per year than the average vehicle
  • The Mercury Milan is nearly identical to the Ford Fusion and is a mid-luxury vehicle
  • The Milan was scheduled to cease production in December 2010 due to Mercury’s demise
  • Don’t confuse the Mercury Milan with the Mercury Milan Hybrid which has different insurance rates

It may seem like Mercury Milan car insurance rates are vague or vary a lot from person to person. As it turns out, drivers pay an average of $1,082 a year, or $90 per month for Mercury Milan insurance rates, and it’s based on a few individual factors. We are going to explore each one in this guide so you can have a better idea of what Mercury Milan rates you might end up paying.

You can start comparing quotes for Mercury Milan car insurance rates from some of the best car insurance companies by using our free online tool now.

Mercury Milan Insurance Cost

The average Mercury Milan auto insurance costs are $1,082 a year or $90 a month.

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Are Mercury Milans Expensive to Insure?

The chart below details how Mercury Milan insurance rates compare to other sedans like the Dodge Charger, Audi A3, and Lincoln MKZ.

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Audi A3 $282 $566 $398 $1,404
Lincoln MKZ $320 $686 $450 $1,636
Ford Taurus $344 $596 $398 $1,496
Nissan Altima $306 $570 $390 $1,424
Audi S4 $370 $744 $338 $1,588
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However, there are a few things you can do to find the cheapest Mercury insurance rates online.

What Impacts the Cost of Mercury Milan Insurance?

The Mercury Milan trim and model you choose will affect the total price you will pay for Mercury Milan insurance coverage.

Age of the Vehicle

The average Mercury Milan car insurance rates are higher for newer models. For example, car insurance rates for a 2011 Mercury Milan are $1,082, while 2010 Mercury Milan rates are $1,056, a difference of $26.

Model Year Comprehensive Collision Liability Total
2011 Mercury Milan $206 $350 $390 $1,082
2010 Mercury Milan $198 $328 $394 $1,056
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Driver Age

Driver age can have a significant effect on Mercury Milan car insurance rates. As an example, a 30-year-old driver pays around $48 more each year for their Mercury Milan car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Mercury Milan insurance rates. For example, drivers in New York may pay $660 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Mercury Milan auto insurance. Teens and drivers in their 20’s see the highest jump in their Mercury Milan car insurance with violations on their driving record.

Mercury Milan Safety Ratings

Your Mercury Milan car insurance rates are influenced by the safety ratings of the Mercury Milan. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Mercury Milan Crash Test Ratings

Poor Mercury Milan crash test ratings could mean higher Mercury Milan car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Mercury Milan 4 Stars 3 Stars 4 Stars 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Mercury Milan Safety Features

The safety features of the Mercury Milan can impact your Mercury Milan car insurance rates. The 2011 Mercury Milan has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control
  • Emergency Trunk Release

Mercury Milan Finance and Insurance Cost

If you are financing a Mercury Milan, most lenders will require your carry higher Mercury Milan coverages including comprehensive coverage, so be sure to compare Mercury Milan car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Mercury Milan Insurance

You have more options at your disposal to save money on your Mercury Milan auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Mercury Milan car insurance rates

  • Choose a Mercury Milan with Cheaper Repair Costs
  • Check the Odometer on Your Mercury Milan
  • Compare Insurance Companies After Moving
  • Reduce Modifications on Your Mercury Milan
  • Ask for a New Mercury Milan Auto Insurance Rate Based on Your Improved Credit Score

Top Mercury Milan Insurance Companies

Who is the top car insurance company for Mercury Milan insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mercury Milan auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mercury Milan offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Mercury Milan Insurance Quotes Online

You can start comparing quotes for Mercury Milan car insurance rates from some of the best car insurance companies by using our free online tool now.

Insurance companies have a variety of ways of combining all of these factors into a formula that produces a number for your premiums.

Consider that individual states have different regulations which also affect the cost of your insurance.

The average base price of the 2010 Mercury Milan is $21,860, but you need to make sure you find the best deal for your specific situation.

Enter your ZIP code into our free search tool and start looking for car insurance quotes now!

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Is the car insurance cost for a Mercury Milan affected by safety?

There are several factors car insurance companies take into consideration when determining how much to charge you for premiums.

One of those factors is the safety ratings an individual car receives from two nationally known organizations who conduct car crash tests, the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration.

Car insurance companies are interested in safety ratings due to the fact that accidents may require them to pay out significant amounts of money for bodily injury.

The 2010 Mercury Milan received a score of five stars for front-impact on both the driver and passenger sides. However, side-impact was rated at four stars for the area of the rear passenger door. The rest of the car received five stars for side impact.

Standard safety features built into the car such as anti-lock brakes, front and side airbags, overhead airbag, and side-impact bars also contribute to lower auto insurance costs.

Is the car insurance cost for a Mercury Milan affected by anti-theft devices?

If you choose to purchase fire and theft coverage for your vehicle, then standard and additional anti-theft devices will certainly help reduce the car insurance cost for a Mercury Milan.

The 2010 model comes standard with:

  • An ignition disabling system
  • A security system
  • A panic alarm

You could further reduce the cost of your insurance, in terms of theft, by parking your vehicle in a garage overnight.

Fortunately, for owners of the Mercury Milan, their car of choice is not one that is popular among U.S. car thieves.

Surprisingly, most of the cars listed among the top 10 of most stolen in America are more than 15 years old.

Theft insurance for your Mercury Milan is less affected by the type of car itself than it is by the incidence of car theft in your area.

How does the replacement value factor into the car insurance cost for a Mercury Milan?

When you purchase collision coverage for your vehicle, the insurance company must consider how much it would cost to replace the vehicle if it were totaled in an accident.

When you first purchase insurance, your provider will consider that price along with a replacement value based on factors like the Kelly Blue Book price.

Unfortunately, as your car depreciates your insurance costs will not come down.

Other factors to consider in terms of how much your car insurance costs include:

  • Who the primary driver is
  • How often the car is driven
  • How many miles are put on it annually
  • General driving history

Your best bet is to shop around and compare costs before deciding on a particular insurance carrier.

You can get the best online car insurance quotes for your Mercury Milan by entering your ZIP code now!

References:

  1. https://www.flickr.com/photos/garylerude/206990620/sizes/o/
  2. https://www.iihs.org/
  3. https://www.nhtsa.gov/
  4. https://www.forbes.com/sites/jimgorzelany/2014/08/18/the-most-stolen-new-and-used-cars-in-america/#41898dc1221b
  5. https://www.kbb.com/
  6. https://www.naic.org/state_web_map.htm

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