Insurance for Mini Vehicles

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2023

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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

Insurance Rates for Mini Vehicles
Vehicle Model Annual Premium Monthly Premium
Mini Clubman $1,410 $118
Mini Cooper $1,336 $111
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.

View Chart as Image

Average insurance cost for Mini vehicles
Column chart showing average insurance prices for Mini vehicles range from $825 to $5,216 for full coverage

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.

Mini Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,290 -$138 -9.7%
Alaska $1,098 -$330 -23.1%
Arizona $1,186 -$242 -16.9%
Arkansas $1,428 -$0 0.0%
California $1,628 $200 14.0%
Colorado $1,366 -$62 -4.3%
Connecticut $1,468 $40 2.8%
Delaware $1,618 $190 13.3%
Florida $1,788 $360 25.2%
Georgia $1,320 -$108 -7.6%
Hawaii $1,026 -$402 -28.2%
Idaho $968 -$460 -32.2%
Illinois $1,066 -$362 -25.4%
Indiana $1,074 -$354 -24.8%
Iowa $964 -$464 -32.5%
Kansas $1,358 -$70 -4.9%
Kentucky $1,950 $522 36.6%
Louisiana $2,116 $688 48.2%
Maine $882 -$546 -38.2%
Maryland $1,178 -$250 -17.5%
Massachusetts $1,144 -$284 -19.9%
Michigan $2,482 $1,054 73.8%
Minnesota $1,196 -$232 -16.2%
Mississippi $1,712 $284 19.9%
Missouri $1,268 -$160 -11.2%
Montana $1,534 $106 7.4%
Nebraska $1,128 -$300 -21.0%
Nevada $1,712 $284 19.9%
New Hampshire $1,030 -$398 -27.9%
New Jersey $1,596 $168 11.8%
New Mexico $1,264 -$164 -11.5%
New York $1,504 $76 5.3%
North Carolina $822 -$606 -42.4%
North Dakota $1,168 -$260 -18.2%
Ohio $986 -$442 -31.0%
Oklahoma $1,468 $40 2.8%
Oregon $1,310 -$118 -8.3%
Pennsylvania $1,364 -$64 -4.5%
Rhode Island $1,906 $478 33.5%
South Carolina $1,296 -$132 -9.2%
South Dakota $1,204 -$224 -15.7%
Tennessee $1,252 -$176 -12.3%
Texas $1,722 $294 20.6%
Utah $1,058 -$370 -25.9%
Vermont $978 -$450 -31.5%
Virginia $858 -$570 -39.9%
Washington $1,104 -$324 -22.7%
West Virginia $1,310 -$118 -8.3%
Wisconsin $990 -$438 -30.7%
Wyoming $1,274 -$154 -10.8%

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

View Chart as Image

Mini insurance by deductible and liability limit

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.

View Chart as Image

Mini insurance by risk and age

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

Average Policy Cost $1,428
Comprehensive Premium $336
Collision Premium $562
Liability Premium $372

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

Mini Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,216
20 $3,274
30 $1,496
40 $1,428
50 $1,304
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Mini Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,824
$250 $1,640
$500 $1,428
$1,000 $1,224

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,198
30 $3,146
40 $3,074
50 $2,930
60 $2,902

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $102
Total Discounts $603
Rate after discounts $825

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

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