2013 MINI Cooper Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2013 MINI Cooper are $1,136 a year with full coverage. Comprehensive insurance costs around $230 each year, collision costs $380, and liability insurance costs around $390. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,452 or more. Teenage drivers receive the highest rates at $4,314 a year or more.
Annual premium for full coverage: $1,136
Rate estimates for 2013 MINI Cooper Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 40-year-old driver, prices range go from as low as $438 for only liability insurance to a high rate of $2,452 for high-risk insurance.
These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying 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 2013 MINI Cooper Insurance
Having to pay for overpriced MINI Cooper insurance can empty your savings account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to help make ends meet. Drivers have multiple insurance companies to buy insurance from, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates.
Finding the best rates is not that difficult. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers only need to know the proper way to get comparison quotes over the internet.
How to Lower Your Auto Insurance Cost
All the larger auto insurance companies quote prices for coverage on their websites. The process is pretty easy as you just enter your coverage preferences as detailed in the form. Once entered, their system makes automated requests for your driving record and credit report and returns a price based on these and other factors. Quoting online streamlines rate comparisons, but having to visit multiple sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to find better auto insurance pricing.
Quote rates the easy way
The easiest way to locate the lowest prices requires only one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more efficient. Immediately after you send the form, it is rated and you can select any one of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.
To save time and find out if lower rates are available, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits identical to your current policy. This guarantees you will have an apples-to-apples comparison for exact coverage.
Save on 2013 MINI Cooper insurance
Auto insurance companies don’t always advertise all their discounts very well, so we break down some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.
- E-sign – Certain companies may give you up to $50 for buying a policy and signing up online.
- Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
- Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates on insurance coverage for Cooper coverage.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Cooper coverage.
As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.
A partial list of companies that may have some of the above discounts are:
It’s a good idea to ask every prospective company how you can save money. Discounts may not apply in your area.
Lesser-known factors impacting MINI Cooper insurance rates
Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in lower auto insurance prices.
- Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
- Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If the MINI Cooper scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Where you live – Choosing to live in less populated areas is a positive aspect when it comes to auto insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with more traffic problems and longer commute times. More time on the road translates into higher accident risk.
- Small claims can cost you – Companies generally give lower rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
- Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining if you could use an agent’s help.
- Why does it cost so much to insure a teen driver?
- What if I total my 2013 MINI Cooper and owe more than it’s worth?
- Do I pay less if my vehicle is kept in my garage?
- Exactly who is provided coverage by my policy?
- Do I have coverage when using my vehicle for my home business?
- If my pet gets injured in an accident are they covered?
- Why do I only qualify for high-risk insurance?
- Do I need roadside assistance coverage?
- Am I covered when driving a rental car?
- Does my insurance cover damage caused when ticketed for reckless driving?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Detailed coverages of your insurance policy
Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.
This coverage will pay to fix damage to your Cooper resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage
This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2013 MINI Cooper.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like vandalism, hitting a bird, fire damage, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability auto insurance
This coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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 might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability insurance covers claims such as legal defense fees, attorney fees, repair costs for stationary objects, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, nursing services, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Money doesn’t grow on trees
Budget-conscious 2013 MINI Cooper insurance is available online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
For more information, link through to the resources below:
Rates by U.S. City
|New York City, NY||$1,794|
|Los Angeles, CA||$1,941|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$80|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.