Mercury Grand Marquis Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Mercury Grand Marquis than the average car.
• Full coverage for a Grand Marquis usually comes in at about $138 monthly, while liability only auto insurance premiums tend to be around $78 per month.
• The most affordable insurance company for a Grand Marquis is Hugo.

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Grand Marquis Overview

The Mercury Grand Marquis is a great budget-friendly car for drivers of all types, with 2011 models starting at $29,935. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your car insurance prices.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Mercury Grand Marquis car insurance rates are about $112 monthly, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Mercury Grand Marquis?

Looking at the table above, you'll find that Mercury Grand Marquis insurance premiums are more affordable than average compared to other vehicles. On average, Grand Marquis drivers can expect to pay around $78 a month for liability insurance, and about $138 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other Mercury models, the Grand Marquis's insurance premium is in line with the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, insurance for a Grand Marquis is also more affordable, with liability only insurance rates coming in around $5 less and $39 less for full coverage.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Mercury Grand Marquis?

If you're in the market for an auto insurance policy for a Mercury Grand Marquis, you might be wondering which carrier offers the cheapest prices. Even though prices can vary pretty dramatically from person to person, ACG offers the lowest average rates for liability only coverage, with rates as little as $30 a month. The runner up for cheapest rates is Oasis, with auto insurance policies starting sometimes as cheap as $37 monthly.

Finishing off the rest of the top 5 are MainStreet, Workmens, and Shelter Mutual. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a lot of different variables into consideration when calculating monthly prices. The only way to guarantee you find the most affordable rates is to compare quotes from multiple car insurance carriers.

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What Factors Affect Car Insurance Rates for a Mercury Grand Marquis?

As we mentioned above, there are lots of factors that auto insurance companies look at to choose how much they charge you for a policy -- and each company weighs different pieces more heavily than others, so there's not a singular carrier that's the cheapest for everyone.

The following sections show quite a few things insurance carriers use to calculate rates:

Vehicle Age

Mercury has been making the Grand Marquis for quite some time -- and that means the car's age may make a big difference in how much you'll pay for auto insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Grand Marquises continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Grand Marquis. However, as you can see in the table above, the cheapest Mercury Grand Marquises to insure are those that are 6 to 7 years old, while the most expensive models are Grand Marquises that are 11 to 14 years old, on average.

Your Age

Age is another factor that makes a difference in how much insurance companies will charge. As you can see above, the youngest Grand Marquis drivers have higher rates compared to those with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Grand Marquis drivers.

Your Gender

Men typically pay more for car insurance than women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Mercury Grand Marquis sticks to the norm, where women pay about $11 less than men per month for insurance.

Where You Live

You were probably already aware that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live is equally important? Since car insurance is regulated on the state level and not nationally, premiums can shift quite a bit depending on what state you live in.

For example, the average Mercury Grand Marquis driver in New York pays around $118 monthly for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Mercury Grand Marquis Car Insurance Discounts

Whatever how old you are, what car you drive, or where you live, it's always in your best interest to take advantage of as many insurance discounts as possible.

While no two car insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments

There are all sorts of other discounts out there for saving money on your auto insurance. Often, it's actually your driving history and insurance profile that get you the lowest rates.

While you may not be able to control every variable insurance carriers consider to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use to your advantage in order to save money on auto insurance:

Your Driving Record

You've most likely observed ads from car insurance companies posting hefty discounts for responsible drivers. It should be no surprise that if you get into an accident or get a speeding ticket, auto insurance prices will get higher. But you're probably wondering exactly how much these infractions will cost you.

Looking at the table above, you'll notice that accidents will usually cost Grand Marquis drivers more than tickets, but both will result in above average rates. Mercury Grand Marquis drivers with a single ticket will pay about $86 per month, while drivers with one accident on their record pay an average of $101 a month (up $23 from the $78/mo. overall average). Those with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor you have control over is how much you drive each year. Those who drive less have fewer opportunities to get into an accident, so they'll generally be offered more affordable premiums. Above, you can see that Mercury Grand Marquis owners who drive 10,000 miles or more pay $80 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $73 a month.

But if you drive less often than the average driver or work from home, it may be worth considering pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Mercury Grand Marquises Compare to Other Vehicles?

If you're thinking about making a Mercury Grand Marquis your next car, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Mercury Grand Marquis compares:

As you can see, the Mercury Grand Marquis is right on par with the average vehicle price here in the U.S. The Grand Marquis goes for $29,935, similar to the national average vehicle MSRP of $35,020. A used Grand Marquis will be even lower, since there hasn't been a new model added to the market in the last few years.

Although the Grand Marquis has a pretty average price, insurance rates run below average when compared to the rest of the vehicle market. Liability insurance for a Mercury Grand Marquis is about $10 per month less than average, while full coverage is over $20 less monthly.

When it comes to usage, Mercury Grand Marquis drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the Grand Marquis's 11,219 each year.

Mercury Grand Marquis Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure a Mercury Grand Marquis. But if you're in thinking about buying a new car, truck, or SUV and the Grand Marquis is on your wishlist, knowing how much your vehicle will likely cost can be helpful as you consider your choices.

Choose Your Model

2011 Mercury Grand Marquis Car Insurance 2010 Mercury Grand Marquis Car Insurance 2009 Mercury Grand Marquis Car Insurance 2008 Mercury Grand Marquis Car Insurance 2007 Mercury Grand Marquis Car Insurance 2006 Mercury Grand Marquis Car Insurance 2005 Mercury Grand Marquis Car Insurance 2004 Mercury Grand Marquis Car Insurance 2003 Mercury Grand Marquis Car Insurance 2002 Mercury Grand Marquis Car Insurance 2001 Mercury Grand Marquis Car Insurance 2000 Mercury Grand Marquis Car Insurance 1999 Mercury Grand Marquis Car Insurance

2011 Mercury Grand Marquis Car Insurance

2011 Mercury Grand Marquis drivers can expect to pay an average of $71 per month for liability or $149 for full coverage.

Elephant offered the lowest policy we found, with rates as little as just $36 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2010 Mercury Grand Marquis Car Insurance

The average cost to insure a 2010 Grand Marquis with liability only coverage is $73 per month, while full coverage runs around $129 monthly.

With rates sometimes as little as $26 a month, Clearcover offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2010 Mercury Grand Marquis, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2009 Mercury Grand Marquis Car Insurance

You can expect full coverage for a 2009 Mercury Grand Marquis to run about $140 per month, while liability only coverage will average around $70 a month.

We found Commonwealth Casualty offered the lowest policy, with rates as cheap as just $26 monthly.

What could your car insurance rate look like? Enter your ZIP code below to get a variety of customized quotes for free.

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2008 Mercury Grand Marquis Car Insurance

It costs about $107 a month for liability or $140 for a full coverage policy for the 2008 Grand Marquis.

If you're looking for the most affordable 2008 Mercury Grand Marquis insurance policy, StateAuto offered the cheapest policy we found, with rates as cheap as $18 monthly.

These average rates are a great starting point if you're in the market for a 2008 Mercury Grand Marquis, but there are lots of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2007 Mercury Grand Marquis Car Insurance

On average, drivers who own a 2007 Mercury Grand Marquis can expect to pay $85 to $157 per month for liability only and full coverage auto insurance, respectively.

With prices as low as $21 monthly, Elephant offered the lowest policy we found for the 2007 Mercury Grand Marquis.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2006 Mercury Grand Marquis Car Insurance

It costs around $75 a month for liability or $140 for a full coverage policy for the 2006 Grand Marquis.

AnswerFinancial has premiums as low as just $19 per month for the 2006 Mercury Grand Marquis.

Want something more accurate than national averages? Enter your ZIP code below to get lots of personalized quotes for free.

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2005 Mercury Grand Marquis Car Insurance

2005 Mercury Grand Marquis drivers can expect to pay an average of $83 monthly for liability or $147 for full coverage.

Looking for the most affordable policy? MetLife offered liability only coverage for sometimes as low as $19 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2004 Mercury Grand Marquis Car Insurance

You can expect full coverage for a 2004 Grand Marquis to run about $144 a month, while liability only coverage will average around $78 monthly.

Mapfre offered the cheapest policy we found, with rates sometimes as cheap as $20 a month.

If you want to find the best prices for insurance for a 2004 Mercury Grand Marquis, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 Mercury Grand Marquis Car Insurance

On average, drivers who own a 2003 Mercury Grand Marquis can expect to pay $83 to $157 per month for liability only and full coverage car insurance, respectively.

With rates as cheap as just $18 a month, Elephant offered the most affordable policy we found.

Interested in just how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2002 Mercury Grand Marquis Car Insurance

The average cost to insure a 2002 Grand Marquis with liability only coverage is $81 monthly, while full coverage runs about $117 per month.

With premiums sometimes as low as $18 monthly, MetroMile offered the lowest policy we found for the 2002 Mercury Grand Marquis.

If you want to know exactly how much you can expect to pay for your Grand Marquis, get free quotes in minutes by just entering your ZIP code below.

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2001 Mercury Grand Marquis Car Insurance

It costs around $78 a month for liability or $135 for a full coverage policy for the 2001 Mercury Grand Marquis.

If you're looking for the cheapest possible 2001 Mercury Grand Marquis insurance policy, Mapfre offered the cheapest policy we found, with rates as low as just $19 per month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple free personalized quotes.

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2000 Mercury Grand Marquis Car Insurance

You can expect full coverage for a 2000 Grand Marquis to run about $129 a month, while liability only coverage will average around $72 monthly.

Looking for the lowest policy? Clearcover offered liability only coverage for as low as $17 per month.

If you want to find the best rates for insurance for a 2000 Mercury Grand Marquis, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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1999 Mercury Grand Marquis Car Insurance

On average, drivers who own a 1999 Mercury Grand Marquis can expect to pay $72 to $136 monthly for liability only and full coverage car insurance, respectively.

Sun Coast has prices as cheap as $17 per month for the 1999 Mercury Grand Marquis.

While these are good estimates of what the average driver might pay to insure a 1999 Mercury Grand Marquis, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Mercury Grand Marquis Insurance FAQs

Is a Mercury Grand Marquis expensive to insure?

When compared to the national average of all cars, prices come in on the less expensive end of the spectrum. Liability insurance runs an average of $78 a month, while full coverage will cost you around $138.

How can I get the best price on car insurance for my Mercury Grand Marquis?

There's only one way to confirm you're getting the most affordable rates -- regularly shopping around and comparing quotes from a bunch of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mercury Grand Marquis affect my insurance rates?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. Although there are lots of variables auto insurance carriers consider when they calculate how much you'll pay, your Mercury Grand Marquis's color is not on that list.

Do I need to have insurance before I buy a Mercury Grand Marquis?

Before you can legally drive your new (or new to you) Grand Marquis off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your car insurance company know ahead of time.

What car insurance discounts can I get for my Mercury Grand Marquis?

You will find tons of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your Grand Marquis has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance carrier and ask about their list of discounts, since they change quite a bit from carrier to carrier.