Mini Cooper Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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You may have found yourself wondering how much you might have to pay for MINI Cooper insurance rates. If this sounds like you, you should know that average insurance for a MINI Cooper amounts to $1,366 a year for full coverage, which translates to a $114 monthly bill.
There are a variety of factors that ultimately impact MINI Cooper insurance costs, such as the model year of the vehicle and the driver’s history. In order to help you effectively secure a cheap MINI Cooper insurance policy, we’ve prepared this comprehensive guide for you.
Once you’ve read through the material outlined in this article, you will be ready to spot a MINI insurance quote that works for your budget. In fact, you can get begin comparing MINI car insurance group rates by entering your five-digit ZIP code into our free online quote tool.
Average insurance prices for a Mini Cooper are $1,220 every 12 months including full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $450, and liability is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs $2,640 or more. Teen drivers receive the highest rates at up to $4,582 a year.
Average premium for full coverage: $1,220
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Cooper trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $432 for your basic liability-only policy to a much higher rate of $2,640 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down average Mini Cooper insurance rates for other coverage scenarios.
- The lowest rate with discounts is $701
- Choosing higher $1,000 deductibles can save approximately $160 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,220
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $308 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,640
- The cost to insure a 16-year-old driver with full coverage can cost as much as $4,582 each year
Car insurance rates for a Mini Cooper can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance ranges from 44% to 137% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Mini Cooper insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,100 | -$120 | -9.8% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,008 | -$212 | -17.4% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,388 | $168 | 13.8% |
| Colorado | $1,162 | -$58 | -4.8% |
| Connecticut | $1,250 | $30 | 2.5% |
| Delaware | $1,376 | $156 | 12.8% |
| Florida | $1,522 | $302 | 24.8% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $874 | -$346 | -28.4% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $906 | -$314 | -25.7% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,154 | -$66 | -5.4% |
| Kentucky | $1,662 | $442 | 36.2% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,004 | -$216 | -17.7% |
| Massachusetts | $972 | -$248 | -20.3% |
| Michigan | $2,112 | $892 | 73.1% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,080 | -$140 | -11.5% |
| Montana | $1,306 | $86 | 7.0% |
| Nebraska | $958 | -$262 | -21.5% |
| Nevada | $1,458 | $238 | 19.5% |
| New Hampshire | $878 | -$342 | -28.0% |
| New Jersey | $1,360 | $140 | 11.5% |
| New Mexico | $1,076 | -$144 | -11.8% |
| New York | $1,282 | $62 | 5.1% |
| North Carolina | $700 | -$520 | -42.6% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $838 | -$382 | -31.3% |
| Oklahoma | $1,250 | $30 | 2.5% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,160 | -$60 | -4.9% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,106 | -$114 | -9.3% |
| South Dakota | $1,028 | -$192 | -15.7% |
| Tennessee | $1,066 | -$154 | -12.6% |
| Texas | $1,468 | $248 | 20.3% |
| Utah | $900 | -$320 | -26.2% |
| Vermont | $832 | -$388 | -31.8% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $938 | -$282 | -23.1% |
| West Virginia | $1,116 | -$104 | -8.5% |
| Wisconsin | $842 | -$378 | -31.0% |
| Wyoming | $1,084 | -$136 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,138 | $95 |
| Mini Cooper S 2-Dr Hatchback | $1,208 | $101 |
| Mini Cooper 2-Dr Convertible | $1,070 | $89 |
| Mini Cooper S 2-Dr Convertible | $1,108 | $92 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,290 | $108 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,214 | $101 |
Rates assume 2019 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Mini Cooper | $250 | $450 | $384 | $1,220 |
| 2014 Mini Cooper | $202 | $306 | $402 | $1,046 |
| 2013 Mini Cooper | $186 | $284 | $402 | $1,008 |
| 2011 Mini Cooper | $170 | $236 | $402 | $944 |
| 2010 Mini Cooper | $160 | $214 | $402 | $912 |
| 2009 Mini Cooper | $154 | $192 | $398 | $880 |
| 2007 Mini Cooper | $150 | $178 | $384 | $848 |
| 2006 Mini Cooper | $138 | $170 | $380 | $824 |
Rates are averaged for all Mini Cooper models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Mini Cooper Insurance
Saving money on insurance for a Mini Cooper takes having a good driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The next list is a brief recap of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,420 more annually to buy Mini Cooper insurance
- You may be able to save approximately $150 per year just by shopping early and online
- Increasing deductibles could save as much as $475 each year
- Insureds who want increased levels of liability coverage will pay about $420 per year to raise limits from a minimum limit to a 250/500 level
Now that you are aware of how MINI Cooper rates can fluctuate, you have a better understanding of what you might expect to pay based on the model year of your vehicle. For example, the insurance cost of a 2015 MINI Cooper will be different than the price range of a 2008 MINI Cooper.
The best way to find out what your individual policy will look like is by using our free online quote tool below.
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What are the safety ratings of the MINI Cooper?
It’s important to consider the safety ratings of the MINI Cooper to get a good idea of where you might qualify for policy discounts.
Take a look at the safety ratings of the MINI Cooper below so you can see where you might be eligible for policy discounts.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): N/R
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
For a frame of reference, the Insurance Institute for Highway Safety (IIHS) classifies “Good” as the highest rating possible. The MINI Cooper achieved that mark in every part of the car that was tested, which is helpful when it comes to reducing insurance rates.
MINI Cooper Compared Against Other Vehicles in the Same Class
Experts from the IIHS classify the MINI Cooper as a small two-door car. By comparison, other similar models include the following:
When providing you with a quote, insurance companies will consider the loss percentages of the MINI Cooper as it compares to other similar models in this class.
The good news is that the MINI Cooper reflects a good loss percentage for bodily injury liability at -25 percent and -23 percent for property damage liability.
By now you should have a great handle on how MINI Cooper auto insurance rates are calculated, so is there anything we might have missed? If not, start comparing MINI Cooper car insurance rates from multiple companies by using our quoting tool now.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,582 |
| 20 | $2,810 |
| 30 | $1,266 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,384 |
| $500 | $1,220 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,274 |
| 100/300 | $1,348 |
| 250/500 | $1,542 |
| 100 CSL | $1,303 |
| 300 CSL | $1,467 |
| 500 CSL | $1,587 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,538 |
| 20 | $4,476 |
| 30 | $2,694 |
| 40 | $2,640 |
| 50 | $2,518 |
| 60 | $2,496 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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