Insurance for Mini Vehicles
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UPDATED: May 12, 2022
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The table below shows average insurance prices for some of the more popular Mini vehicles. Some additional models are displayed at the bottom of the page
|Vehicle Model||Annual Premium||Monthly Premium|
|Get Rates for Your Model Go|
Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
The prior chart averages rate data from all Mini vehicles listed in the table above to show how different scenarios can affect auto insurance prices.
Insurance rates for a Mini range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for teenagers, where even good drivers can expect to pay as much as $5,200 a year.
Your home state plays a big part in determining prices for Mini insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,890 on average in Michigan, Montana, and California.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 133% more than the average rate.
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied from one company to the next.
Additional Mini Vehicles
U.S. averages for full coverage Mini vehicle insurance
National average data is compiled from all 50 U.S. states for the Mini models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
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||$105|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.