Mini Cooper S 2-Dr Hatchback Insurance Rates

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The average insurance prices for a Mini Cooper S 2-Dr Hatchback are $1,330 every 12 months for full coverage insurance. Comprehensive costs an estimated $312, collision insurance costs $572, and liability costs $310. Liability-only insurance costs as little as $370 a year, and high-risk driver insurance costs around $2,868. Teen drivers cost the most to insure at up to $4,802 a year.

Annual premium for full coverage: $1,330

Policy rates broken down by type of insurance:

Comprehensive $312
Collision $572
Liability $310

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

Price Range for Insurance for this Mini Cooper Trim Level

For an average driver, Mini Cooper S 2-Dr Hatchback insurance rates range from the cheapest price of $370 for just the minimum liability insurance to a much higher rate of $2,868 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,330
High Risk $2,868

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These price differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based 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.

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Auto insurance rates for a Mini Cooper S 2-Dr Hatchback also range considerably based on liability limits and deductibles, your risk profile, and the model year.

Choosing high deductibles could save up to $590 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than average. View High Risk Driver Rates

Your home state makes a big difference in Mini Cooper S 2-Dr Hatchback insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied.

View Chart as Image

Mini Cooper S 2-Dr Hatchback insurance cost comparison chart
Column chart showing Mini Cooper S 2-Dr Hatchback insurance prices range from $756 to $4,802 for full coverage

The chart estimates Mini Cooper S 2-Dr Hatchback insurance rates for various coverage choices and risks. The cheapest discount rate is $756. Drivers who choose higher $1,000 deductibles will pay $1,130. The average rate for a driver around age 40 using $500 deductibles is $1,330. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,720. High risk drivers could be charged around $2,868. The price for full coverage insurance for a teenage driver is $4,802.

Mini Cooper S 2-Dr Hatchback Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,200 -$130 -9.8%
Alaska $1,018 -$312 -23.5%
Arizona $1,102 -$228 -17.1%
Arkansas $1,330 -$0 0.0%
California $1,514 $184 13.8%
Colorado $1,268 -$62 -4.7%
Connecticut $1,366 $36 2.7%
Delaware $1,502 $172 12.9%
Florida $1,658 $328 24.7%
Georgia $1,228 -$102 -7.7%
Hawaii $954 -$376 -28.3%
Idaho $902 -$428 -32.2%
Illinois $990 -$340 -25.6%
Indiana $1,000 -$330 -24.8%
Iowa $896 -$434 -32.6%
Kansas $1,260 -$70 -5.3%
Kentucky $1,812 $482 36.2%
Louisiana $1,966 $636 47.8%
Maine $818 -$512 -38.5%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,058 -$272 -20.5%
Michigan $2,306 $976 73.4%
Minnesota $1,112 -$218 -16.4%
Mississippi $1,590 $260 19.5%
Missouri $1,180 -$150 -11.3%
Montana $1,426 $96 7.2%
Nebraska $1,046 -$284 -21.4%
Nevada $1,592 $262 19.7%
New Hampshire $958 -$372 -28.0%
New Jersey $1,486 $156 11.7%
New Mexico $1,174 -$156 -11.7%
New York $1,400 $70 5.3%
North Carolina $764 -$566 -42.6%
North Dakota $1,088 -$242 -18.2%
Ohio $916 -$414 -31.1%
Oklahoma $1,362 $32 2.4%
Oregon $1,218 -$112 -8.4%
Pennsylvania $1,266 -$64 -4.8%
Rhode Island $1,770 $440 33.1%
South Carolina $1,206 -$124 -9.3%
South Dakota $1,120 -$210 -15.8%
Tennessee $1,162 -$168 -12.6%
Texas $1,600 $270 20.3%
Utah $982 -$348 -26.2%
Vermont $908 -$422 -31.7%
Virginia $796 -$534 -40.2%
Washington $1,026 -$304 -22.9%
West Virginia $1,218 -$112 -8.4%
Wisconsin $918 -$412 -31.0%
Wyoming $1,182 -$148 -11.1%

View Chart as Image

Mini Cooper S 2-Dr Hatchback insurance rates by U.S. city

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Rates by Driver Age

Mini Cooper S 2-Dr Hatchback Insurance Rates by Driver Age
Driver Age Premium
16 $4,802
20 $3,060
30 $1,398
40 $1,330
50 $1,212
60 $1,190

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper S 2-Dr Hatchback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,720
$250 $1,538
$500 $1,330
$1,000 $1,130

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper S 2-Dr Hatchback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,392
100/300 $1,470
250/500 $1,671
100 CSL $1,423
300 CSL $1,594
500 CSL $1,718

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper S 2-Dr Hatchback Insurance Rates for High Risk Drivers
Age Premium
16 $6,878
20 $4,860
30 $2,944
40 $2,868
50 $2,734
60 $2,708

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 $185

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $68
Homeowner $18
5-yr Accident Free $102
5-yr Claim Free $86
Paid in Full/EFT $64
Advance Quote $68
Online Quote $96
Total Discounts $574
Rate after discounts $756

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

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