Mini Cooper Insurance Rates
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UPDATED: May 12, 2022
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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 rates for a Mini Cooper are $982 a year for full coverage. Comprehensive costs on average $182 a year, collision costs $258, and liability insurance costs $406. A liability-only policy costs as little as $450 a year, with high-risk insurance costing around $2,110. Teen drivers receive the highest rates at $3,836 a year or more.
Average premium for full coverage: $982
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Cooper trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $450 for only liability insurance to a high of $2,110 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.
Insurance Rate Analysis
The chart below shows estimated Mini Cooper insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $586
- Drivers who choose higher $1,000 deductibles will pay around $880 a year
- The average rate for a 40-year-old driver with $500 deductibles is $982
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,172
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,110 or more
- The cost for full coverage for a teen driver may cost $3,836 a year
for a Mini Cooper can also vary considerably based on your driver profile, the trim level of your Cooper, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,800 a year. View Rates by Age
Where you live makes a big difference in Mini Cooper insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or as much as $1,400 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $300 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $285 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Mini Cooper 2-Dr Hatchback||$928||$77|
|Mini Cooper S 2-Dr Hatchback||$974||$81|
|Mini Cooper 2-Dr Convertible||$844||$70|
|Mini Cooper S 2-Dr Convertible||$866||$72|
|Mini Cooper John Cooper Works 2-Dr Hatchback||$1,026||$86|
|Mini Cooper John Cooper Works 2-Dr Convertible||$932||$78|
Rates assume 2009 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||$284||$524||$354||$1,298|
|2014 Mini Cooper||$230||$380||$390||$1,136|
|2013 Mini Cooper||$214||$350||$390||$1,090|
|2011 Mini Cooper||$202||$306||$402||$1,046|
|2010 Mini Cooper||$186||$284||$402||$1,008|
|2009 Mini Cooper||$182||$258||$406||$982|
|2007 Mini Cooper||$160||$214||$402||$912|
|2006 Mini Cooper||$154||$192||$398||$880|
|2004 Mini Cooper||$150||$178||$384||$848|
|2003 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 Find Cheaper Mini Cooper Insurance
Saving money on Mini Cooper insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $300 each year
- Drivers can save as much as $110 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $450 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $320 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,130 more each year for insurance
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
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||$63|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.