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2006 MINI Cooper Insurance Rates

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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 2006 MINI Cooper are $912 a year with full coverage. Comprehensive costs approximately $160 a year, collision costs $214, and liability insurance costs around $402. Buying a liability-only policy costs as low as $446 a year, with high-risk insurance costing around $1,958. Teen drivers receive the highest rates at $3,614 a year or more.

Annual premium for full coverage: $912

Rate estimates for 2006 MINI Cooper Insurance

Comprehensive $160
Collision $214
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 a middle-aged driver, prices range go from as low as $446 for just liability insurance to a high of $1,958 for a high risk driver.

Liability Only $446
Full Coverage $912
High Risk $1,958

View Chart as Image

2006 MINI Cooper insurance rates compared
Column chart showing 2006 MINI Cooper insurance prices range from $550 to $3,614 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, rather than relying on price averages.

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 2006 MINI Cooper Insurance

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Looking for lower insurance rates? Shoppers have a choice when shopping for the lowest priced MINI Cooper insurance. They can either waste time calling around trying to get quotes or use the internet to make rate comparisons.

There are both good and bad ways to find insurance online and we’ll show you the proper way to compare rates for a new or used MINI and find the best price possible either online or from local insurance agents.

It’s a good idea to price shop coverage quite often since rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Cooper insurance six months ago you can probably find a lower rate today. So block out anything you think you know about insurance because I’m going to teach you how to use the internet to save on insurance.

The easiest way to compare rate quotes is to know car insurance companies will pay a fee to quote your coverage. The only thing you need to do is provide a small amount of information including whether you are married, the ages of drivers, whether or not you need a SR-22, and if your license is active. The rating information is submitted instantly to multiple top-rated companies and they respond with quotes immediately.

Don’t pay full price with these five discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be specifically requested before they will apply. If you aren’t receiving every discount possible, you are throwing money away.

  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Cooper insurance than drivers with accidents.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.

Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Your personal situation dictates your coverage

When buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is rental equipment covered for theft or damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is an SR-22 filing?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage when making deliveries for my home business?
  • Should I bundle my homeowners policy with my auto?
  • Are my friends covered when driving my 2006 MINI Cooper?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverages

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, emergency aid, bail bonds, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, rehabilitation expenses, doctor visits, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays for damage to your Cooper resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Rates by U.S. City

2006 MINI Cooper Insurance Rates by City
City Premium
New York City, NY $1,440
Los Angeles, CA $1,557
Philadelphia, PA $1,215
Jacksonville, FL $1,320
Phoenix, AZ $1,058
Chicago, IL $1,220
Houston, TX $1,427
Seattle, WA $887
Columbus, OH $760
Indianapolis, IN $777

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 MINI Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $3,614
20 $2,078
30 $930
40 $912
50 $836
60 $820

Full coverage, $500 deductibles

Rates by Deductible

2006 MINI Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,072
$250 $1,000
$500 $912
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

MINI Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $992
100/300 $1,093
250/500 $1,354
100 CSL $1,033
300 CSL $1,254
500 CSL $1,415

Full coverage, driver age 40

Rates for High Risk Drivers

2006 MINI Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,102
20 $3,310
30 $1,978
40 $1,958
50 $1,868
60 $1,850

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 $122

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $57
5-yr Claim Free $57
Paid in Full/EFT $34
Advance Quote $40
Online Quote $62
Total Discounts $362
Rate after discounts $550

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

Find companies with the cheapest rates in your area

2006 MINI Cooper Insurance Rates by State
State Premium
Alabama $824
Alaska $698
Arizona $756
Arkansas $912
California $1,038
Colorado $868
Connecticut $936
Delaware $1,028
Florida $1,138
Georgia $844
Hawaii $654
Idaho $616
Illinois $678
Indiana $688
Iowa $614
Kansas $866
Kentucky $1,242
Louisiana $1,348
Maine $562
Maryland $752
Massachusetts $726
Michigan $1,582
Minnesota $762
Mississippi $1,092
Missouri $808
Montana $978
Nebraska $716
Nevada $1,092
New Hampshire $656
New Jersey $1,018
New Mexico $806
New York $960
North Carolina $526
North Dakota $746
Ohio $628
Oklahoma $934
Oregon $834
Pennsylvania $868
Rhode Island $1,214
South Carolina $826
South Dakota $768
Tennessee $798
Texas $1,098
Utah $674
Vermont $622
Virginia $546
Washington $704
West Virginia $834
Wisconsin $628
Wyoming $810

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