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

Quick Facts

• A Mercury Sable costs less than most other cars to insure.
• Full coverage for a Sable typically averages about $132 a month, while liability only car insurance rates tend to be around $77 monthly.
• The lowest auto insurance company for a Sable is Dashers, who offers liability only coverage for as little as $34 per month, on average.

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Sable Overview

Coming in with a base MSRP of $25,120 for 2009 models, the Mercury Sable is a great budget-friendly option for any driver. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great budget option when you consider your future insurance premiums.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Mercury Sable car insurance prices run about $105 a month, on average. How do insurance rates for the Sable compare to prices of other similar cars?

How Much is Car Insurance for a Mercury Sable?

If you look at the table above, you'll find that auto insurance premiums for a Mercury Sable are more affordable than average. Sable drivers can expect to pay around $77 monthly for liability insurance, and about $132 a month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Mercury models, the Sable's insurance rate is on par with the rest of the manufacturer's vehicle lineup. However, compared to other vehicles of a similar body style, Sable coverage is below average, with both liability only and full coverage insurance averaging less expensive prices than other cars.

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

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Who has the Cheapest Car Insurance for a Mercury Sable?

If you're looking for an auto insurance policy for a Mercury Sable, you might be most interested in which carrier offers the lowest prices. Although rates can differ considerably from person to person, Encompass has the cheapest average rates for liability only coverage, with rates sometimes as low as $27 monthly. The runner up for most affordable rates is Shelter Mutual, with insurance policies starting as low as $31 per month.

Rounding out the list are Hallmark, Dashers, and NationalGeneral. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, car insurance companies look at several different things when calculating premiums, so your results might be different. The only way to guarantee you'll find the lowest rates is to compare quotes from a range of insurance carriers.

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What Factors Affect Car Insurance Rates for a Mercury Sable?

As we mentioned above, there are quite a few factors that auto insurance companies use to decide how much they charge -- and each company weighs certain variables more than others, so there's not one carrier that's the most affordable for every Sable driver.

Below are just a few of the variables car insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Mercury Sable has been around for a while, so vehicle age may play a big role in what you end up paying for insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

A new Mercury Sable model hasn't been added to the market for over 5 years, so the Sable won't really fit this trend. However, as you can see in the table above, the cheapest Mercury Sables to insure are those that are 6 to 7 years old, while the most expensive models are Sables that are 8 to 10 and 11 to 14 years old, on average.

Your Age

How old you are plays a significant role in how much you pay for auto insurance. Based on the information above, the youngest drivers pay more expensive premiums compared to those with more experience. In this case, drivers under 18 pay $67 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Sable drivers.

Your Gender

Did you know men usually pay more for car insurance than women? This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. The Mercury Sable is no different, and men pay around $6 more than women monthly for insurance.

Where You Live

It may be obvious that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live is equally important. Since car insurance is regulated on the state level rather than nationally, rates change quite a bit from state to state.

For example, the average Mercury Sable owner in New York pays about $118 per month for liability coverage, while the same driver from California will pay less than half of that price, on average. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Mercury Sable Car Insurance Discounts

No matter what state you live in, how old you are, or what car you drive, using as many discounts as possible when it comes to your auto insurance policy is always in your best interest.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. 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 a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your insurance. Sometimes the best way to save is just by having a profile that looks good to car insurance companies.

While you may not be able to control every factor auto insurance carriers examine to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your favor in order to save money on insurance:

Your Driving Record

You've probably noticed ads from car insurance companies offering big discounts for safe drivers. It should be no surprise that your auto insurance premiums will increase if you get into a collision or get speeding tickets. But how much will they cost you?

As you can see from the table above, accidents will usually cost Sable drivers more than tickets, but both will result in a raise in rates. Mercury Sable drivers with a single ticket will pay an average of $91 a month, while drivers with one accident on their record pay about $101 a month (up $24 from the $77/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

How much you drive plays a role when it comes to your insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll generally get lower premiums. Above, you can see that Mercury Sable owners who drive between 5,000 and 7,500 miles each year pay an average of $66 per month for auto insurance, while those who put less than 2,500 miles on their cars pay $83.

But if you don't use your Mercury Sable to travel or commute regularly, it may be worth getting pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mercury Sables Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Mercury Sable is on your shortlist, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering.

Take a look at the table below to see how the Mercury Sable stacks up:

As you can see, the Mercury Sable is right on par with the average vehicle price here in the U.S. The Sable starts at $25,120, close to the national average vehicle MSRP of $33,180. A used Sable will be even more affordable, since there hasn't been a new model on the market recently.

Although the purchase price is right in the middle of the spectrum, car insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Mercury Sable is around $9 per month less than average, while full coverage is over $30 less a month.

However, it is worth noting that the Sable owners tend to drive their cars less than the average American driver, with only 10,264 annual miles for the average owner.

Mercury Sable Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much you might pay for insurance. If you're considering buying a new vehicle and the Sable is one you're thinking about, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices.

Choose Your Model

2009 Mercury Sable Car Insurance 2008 Mercury Sable Car Insurance 2005 Mercury Sable Car Insurance 2004 Mercury Sable Car Insurance 2003 Mercury Sable Car Insurance 2002 Mercury Sable Car Insurance 2001 Mercury Sable Car Insurance 2000 Mercury Sable Car Insurance 1999 Mercury Sable Car Insurance 1998 Mercury Sable Car Insurance 1997 Mercury Sable Car Insurance

2009 Mercury Sable Car Insurance

It costs about $72 monthly for liability or $139 for a full coverage policy for the 2009 Mercury Sable.

We found Infinity offered the most affordable policy, with rates as little as just $18 a month.

Want to find the lowest rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance carriers.

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2008 Mercury Sable Car Insurance

On average, drivers who own a 2008 Sable can expect to pay $83 to $169 per month for liability only and full coverage auto insurance, respectively.

With rates as cheap as just $22 monthly, Elephant offered the cheapest policy we found for the 2008 Mercury Sable.

While these are good estimates of what the average driver might pay to insure a 2008 Mercury Sable, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2005 Mercury Sable Car Insurance

2005 Mercury Sable drivers can expect to pay an average of $85 a month for liability or $140 for full coverage.

Gainsco has premiums sometimes as little as $20 monthly for the 2005 Mercury Sable.

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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2004 Mercury Sable Car Insurance

You can expect full coverage for a 2004 Sable to run around $116 per month, while liability only coverage will average about $82 monthly.

With rates sometimes as cheap as $21 a month, MetLife offered the most affordable policy we found.

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

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2003 Mercury Sable Car Insurance

The average cost to insure a 2003 Mercury Sable with liability only coverage is $80 per month, while full coverage runs around $139 monthly.

Looking for the lowest policy? TwentyFirstCentury offered liability only coverage for as cheap as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2003 Mercury Sable, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2002 Mercury Sable Car Insurance

On average, drivers who own a 2002 Sable can expect to pay $78 to $123 per month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2002 Mercury Sable insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as low as just $17 monthly.

Want to know exactly what your auto insurance rate will be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2001 Mercury Sable Car Insurance

You can expect full coverage for a 2001 Mercury Sable to run about $123 a month, while liability only coverage will average around $79 per month.

AssuranceAmerica offered the most affordable policy we found, with rates sometimes as low as $19 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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2000 Mercury Sable Car Insurance

The average cost to insure a 2000 Sable with liability only coverage is $75 per month, while full coverage runs about $125 monthly.

With rates as cheap as just $15 per month, Mapfre offered the lowest policy we found.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

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1999 Mercury Sable Car Insurance

1999 Mercury Sable drivers can expect to pay an average of $71 a month for liability or $105 for full coverage.

Commonwealth Casualty offered the cheapest policy we found, with rates as low as just $20 monthly.

If you want to know exactly how much you can expect to pay for your Sable, just enter your ZIP code below and get free quotes in minutes.

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1998 Mercury Sable Car Insurance

It costs around $82 per month for liability or $109 for a full coverage policy for the 1998 Sable.

With prices as little as $21 a month, Mercury offered the lowest policy we found for the 1998 Mercury Sable.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple free personalized quotes.

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1997 Mercury Sable Car Insurance

The average cost to insure a 1997 Mercury Sable with liability only coverage is $70 monthly, while full coverage runs about $113 a month.

MetLife has premiums sometimes as cheap as $18 monthly for the 1997 Mercury Sable.

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

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Mercury Sable Insurance FAQs

Is a Mercury Sable expensive to insure?

When compared to the national average of all cars, prices come in on the cheaper end of the spectrum. Liability insurance runs an average of $77 per month, while full coverage will cost you around $132.

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

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from many companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Mercury Sable affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. Even though there are several variables insurance carriers look at when they calculate how much you'll pay, your Mercury Sable's color isn't one of them.

Do I need to have insurance before I buy a Mercury Sable?

Before you can legally drive your new (or new to you) Sable off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a a new car is to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Mercury Sable?

You will find lots of different discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Sable has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about which discounts they offer.