Mini Cooper 2-Dr Hatchback Insurance Rates

Average insurance rates for a Mini Cooper 2-Dr Hatchback are $1,238 a year with full coverage. Comprehensive insurance costs on average $284 each year, collision insurance costs $508, and liability coverage costs around $310. Only liability insurance costs as low as $370 a year, and high-risk insurance costs $2,668 or more. Teenage drivers receive the highest rates at up to $4,514 a year.

Annual premium for full coverage: $1,238

Rate estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mini Cooper Trim Level

These differences demonstrate why all drivers should compare prices based on a specific location, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Mini Cooper 2-Dr Hatchback can also vary considerably based on the actual cash value of your Cooper, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,500 a year. View Rates by Age

Where you live has a huge impact on Mini Cooper 2-Dr Hatchback insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $530 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $279 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates can be significantly different.

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The chart above shows Mini Cooper 2-Dr Hatchback insurance prices for various risks and coverage choices. The cheapest price with discounts is $711. Drivers who use higher $1,000 deductibles will pay $1,058. The average price for a 40-year-old male driver using $500 deductibles is $1,238. Using lower $100 deductibles for comp and collision coverage could cost up to $1,588. Drivers with multiple violations and accidents could be charged as much as $2,668. The policy rate for full coverage for a teen driver can be as high as $4,514.

View Chart as Image