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2003 MINI Cooper Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2003 MINI Cooper are $848 a year including full coverage. Comprehensive insurance costs on average $150 a year, collision insurance costs $178, and liability costs around $384. Buying a liability-only policy costs as low as $432 a year, and high-risk insurance costs $1,812 or more. Teenage drivers receive the highest rates at up to $3,376 a year.

Annual premium for full coverage: $848

Rate estimates for 2003 MINI Cooper Insurance

Comprehensive $150
Collision $178
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2003 MINI Cooper models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $432 for the bare minimum liability coverage to a high of $1,812 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $848
High Risk $1,812

View Chart as Image

2003 MINI Cooper insurance rates compared
Column chart showing 2003 MINI Cooper insurance prices range from $519 to $3,376 for full coverage

These differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 MINI Cooper Insurance

Searching Companies

Trying to find cheaper auto insurance rates for your MINI Cooper? Nobody I know likes having to buy auto insurance, in particular when the price is too high. Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the cheapest price

It’s a great practice to do rate comparisons before your policy renews since insurance rates are constantly changing. Even if you think you had the lowest price for Cooper coverage a year ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

Comprehensive Car Insurance Comparison

There are multiple methods to compare 2003 MINI Cooper car insurance quotes, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the web to get prices fast.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company then gives them pricing based on that information. This eliminates the need for quotation requests for every car insurance company. To fill out one form to compare multiple rates now click to open in new window.

The only drawback to getting quotes like this is that consumers can’t choose the insurers you want pricing from. So if you want to choose specific insurance companies for rate comparison, we put together a list of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but ensure you are comparing the exact same coverage limits for every quote you compare. If you use differing limits it will be next to impossible to determine the best price for your MINI Cooper.

Discounts can save BIG

Car insurance companies don’t necessarily list every discount very clearly, so we researched both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • No Claims – Claim-free drivers pay less as compared to frequent claim filers.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Cooper coverage than less cautious drivers.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Cooper coverage with certain companies.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.

Consumers should know that many deductions do not apply the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers offering auto insurance discounts, click this link.

Will just any policy work for me?

When choosing the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions may help you determine whether or not you might need professional guidance.

  • Who is covered when they drive my 2003 MINI Cooper?
  • I have a DUI can I still get coverage?
  • Do I need more liability coverage?
  • How high should my medical payments coverage be?
  • Do I need rental car coverage?
  • Will filing a claim cost me more?
  • Should I have combined single limit or split liability limits?
  • Is my MINI Cooper covered if I use it for business?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Collision coverage

Collision coverage will pay to fix damage to your Cooper caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, driving through your garage door, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, doctor visits, dental work, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like attorney fees, bail bonds, funeral expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Smart consumers save more

Budget-conscious 2003 MINI Cooper insurance can be found online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online quoting and these small, regional companies work with independent agents.

When you buy insurance online, you should never buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate.

Additional information is available at these links:

Rates by U.S. City

2003 MINI Cooper Insurance Rates by City
City Premium
New York City, NY $1,338
Los Angeles, CA $1,449
Philadelphia, PA $1,128
Jacksonville, FL $1,227
Phoenix, AZ $983
Chicago, IL $1,138
Houston, TX $1,329
Seattle, WA $824
Columbus, OH $707
Indianapolis, IN $721

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 MINI Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $3,376
20 $1,924
30 $862
40 $848
50 $780
60 $764

Full coverage, $500 deductibles

Rates by Deductible

2003 MINI Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $988
$250 $926
$500 $848
$1,000 $774

Full coverage, driver age 40

Rates by Liability Limit

MINI Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $848
50/100 $925
100/300 $1,021
250/500 $1,270
100 CSL $963
300 CSL $1,174
500 CSL $1,328

Full coverage, driver age 40

Rates for High Risk Drivers

2003 MINI Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $4,752
20 $3,058
30 $1,828
40 $1,812
50 $1,728
60 $1,712

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $111

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $45
Homeowner $15
5-yr Accident Free $51
5-yr Claim Free $52
Paid in Full/EFT $30
Advance Quote $36
Online Quote $57
Total Discounts $329
Rate after discounts $519

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 MINI Cooper Insurance Rates by State
State Premium
Alabama $766
Alaska $650
Arizona $702
Arkansas $848
California $966
Colorado $806
Connecticut $870
Delaware $958
Florida $1,058
Georgia $784
Hawaii $610
Idaho $576
Illinois $632
Indiana $638
Iowa $572
Kansas $804
Kentucky $1,156
Louisiana $1,254
Maine $522
Maryland $700
Massachusetts $674
Michigan $1,470
Minnesota $712
Mississippi $1,016
Missouri $750
Montana $908
Nebraska $666
Nevada $1,016
New Hampshire $610
New Jersey $948
New Mexico $748
New York $892
North Carolina $486
North Dakota $694
Ohio $584
Oklahoma $870
Oregon $778
Pennsylvania $806
Rhode Island $1,130
South Carolina $770
South Dakota $714
Tennessee $740
Texas $1,022
Utah $626
Vermont $578
Virginia $508
Washington $654
West Virginia $778
Wisconsin $586
Wyoming $756

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