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2011 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 2011 MINI Cooper are $1,064 a year including full coverage. Comprehensive costs approximately $206, collision insurance costs $328, and liability insurance costs $394. Buying a liability-only policy costs as little as $440 a year, and high-risk insurance costs around $2,296. Teen drivers receive the highest rates at up to $4,094 a year.

Annual premium for full coverage: $1,064

Rate estimates for 2011 MINI Cooper Insurance

Comprehensive $206
Collision $328
Liability $394

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $440 for basic liability insurance to a much higher rate of $2,296 for a driver that may need high-risk insurance.

Liability Only $440
Full Coverage $1,064
High Risk $2,296

View Chart as Image

2011 MINI Cooper insurance rates compared
Column chart showing 2011 MINI Cooper insurance prices range from $626 to $4,094 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates 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 2011 MINI Cooper Insurance

Searching Companies

Searching for lower insurance coverage rates for your MINI Cooper? Locating low-cost insurance for a MINI Cooper can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to compare rates for a new or used MINI and get the lowest price.

It’s important to do rate comparisons yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates for Cooper coverage a year ago you can probably find a better price now. Starting now, forget all the misinformation about insurance coverage because it’s time to teach you the fastest and easiest way to lower your annual insurance bill.

How to save on MINI Cooper insurance

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Some trigger automatically at quote time, but a few must be requested specifically prior to getting the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Paperwork-free – A handful of insurance companies give back up to $50 simply for signing online.

Consumers should know that many deductions do not apply the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of companies who offer insurance discounts, click here.

Where Can I Get Cheap Insurance?

All major insurance companies such as GEICO, State Farm and Progressive quote coverage prices on the web. The process is pretty painless as you just enter the coverages you want as detailed in the form. When complete, the company’s rating system makes automated requests for credit information and your driving record and returns a price quote based on these factors.

This helps simplify price comparisons, but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it’s very important to have as many quotes as possible if you are searching for a better rate.

Quote rates the easy way

The quickest way to get multiple rate quotes uses one form that gets prices from several different companies. This type of form saves time, reduces the work, and makes quoting online a lot less work. After sending the form, it is rated and you can select your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

To find out how much you can save on insurance, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you duplicate the coverages identical to your current policy. Using the same limits helps guarantee you will receive rate comparison quotes based on the exact same insurance coverage.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

  • Should I buy full coverage?
  • What is no-fault insurance?
  • Can I get a multi-policy discount?
  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I required to buy high-risk coverage?
  • Is business property covered if stolen from my car?
  • What if I owe more than I can insure my car for?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, pain medications and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hail damage, theft, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays for damage to your Cooper caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, funeral expenses, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your MINI Cooper.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Final considerations

Insureds change insurance companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, not issuing a premium refund or even policy non-renewal. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

We’ve covered a lot of information how to shop for 2011 MINI Cooper insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the most savings is with an unexpected company.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at an affordable rate.

Even more information can be found in the articles below:

Rates by U.S. City

2011 MINI Cooper Insurance Rates by City
City Premium
New York City, NY $1,680
Los Angeles, CA $1,821
Philadelphia, PA $1,420
Jacksonville, FL $1,540
Phoenix, AZ $1,238
Chicago, IL $1,426
Houston, TX $1,669
Seattle, WA $1,033
Columbus, OH $886
Indianapolis, IN $906

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 MINI Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $4,094
20 $2,440
30 $1,100
40 $1,064
50 $976
60 $956

Full coverage, $500 deductibles

Rates by Deductible

2011 MINI Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,298
$250 $1,190
$500 $1,064
$1,000 $944

Full coverage, driver age 40

Rates by Liability Limit

MINI Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,064
50/100 $1,143
100/300 $1,241
250/500 $1,497
100 CSL $1,182
300 CSL $1,399
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

2011 MINI Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,810
20 $3,886
30 $2,334
40 $2,296
50 $2,192
60 $2,170

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $57
Homeowner $17
5-yr Accident Free $72
5-yr Claim Free $68
Paid in Full/EFT $44
Advance Quote $50
Online Quote $74
Total Discounts $438
Rate after discounts $626

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

Find companies with the cheapest rates in your area

2011 MINI Cooper Insurance Rates by State
State Premium
Alabama $960
Alaska $814
Arizona $884
Arkansas $1,064
California $1,214
Colorado $1,014
Connecticut $1,092
Delaware $1,202
Florida $1,328
Georgia $984
Hawaii $764
Idaho $722
Illinois $792
Indiana $802
Iowa $718
Kansas $1,008
Kentucky $1,450
Louisiana $1,574
Maine $658
Maryland $878
Massachusetts $850
Michigan $1,848
Minnesota $892
Mississippi $1,274
Missouri $944
Montana $1,142
Nebraska $838
Nevada $1,276
New Hampshire $768
New Jersey $1,190
New Mexico $942
New York $1,120
North Carolina $614
North Dakota $874
Ohio $732
Oklahoma $1,090
Oregon $976
Pennsylvania $1,014
Rhode Island $1,418
South Carolina $966
South Dakota $898
Tennessee $932
Texas $1,284
Utah $788
Vermont $728
Virginia $636
Washington $820
West Virginia $976
Wisconsin $736
Wyoming $948

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