Mini Cooper Insurance Rates

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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...

Insurance Lawyer

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.

U.S. average insurance prices for a Mini Cooper are $944 every 12 months including full coverage. Comprehensive insurance costs approximately $170 each year, collision insurance costs $236, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $2,030 or more. Teenage drivers pay the highest rates at up to $3,714 a year.

Average premium for full coverage: $944

Price estimates by individual coverage:

Comprehensive $170
Collision $236
Liability $402

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Cooper models.

Price Range from Low to High

For a driver in their 40's, Mini Cooper insurance prices range from the cheapest price of $446 for minimum levels of liability insurance to a high rate of $2,030 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $944
High Risk $2,030

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $708
Small Cities $991
Large Cities $1,274

The ranges above highlight why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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.

Additional Rate Details

The chart below breaks down average Mini Cooper insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $567
  • Using higher $1,000 deductibles will save $94 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $944
  • Using low deductibles for physical damage coverage costs an extra $174 annually
  • High-risk insureds who are prone to accidents and violations could pay around $2,030
  • The price to insure a 16-year-old driver can cost $3,714 or more

View Chart as Image

Mini Cooper insurance cost comparison chart
Column chart showing Mini Cooper insurance prices range from $567 to $3,714 for full coverage

Insurance prices for a Mini Cooper are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Cooper.

Using high physical damage deductibles could cut prices by as much as $270 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $281 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Mini Cooper insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

Mini Cooper Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $852 -$92 -9.7%
Alaska $722 -$222 -23.5%
Arizona $782 -$162 -17.2%
Arkansas $944 -$0 0.0%
California $1,074 $130 13.8%
Colorado $898 -$46 -4.9%
Connecticut $968 $24 2.5%
Delaware $1,064 $120 12.7%
Florida $1,176 $232 24.6%
Georgia $872 -$72 -7.6%
Hawaii $678 -$266 -28.2%
Idaho $638 -$306 -32.4%
Illinois $702 -$242 -25.6%
Indiana $712 -$232 -24.6%
Iowa $636 -$308 -32.6%
Kansas $894 -$50 -5.3%
Kentucky $1,286 $342 36.2%
Louisiana $1,394 $450 47.7%
Maine $582 -$362 -38.3%
Maryland $778 -$166 -17.6%
Massachusetts $752 -$192 -20.3%
Michigan $1,636 $692 73.3%
Minnesota $790 -$154 -16.3%
Mississippi $1,130 $186 19.7%
Missouri $836 -$108 -11.4%
Montana $1,012 $68 7.2%
Nebraska $742 -$202 -21.4%
Nevada $1,130 $186 19.7%
New Hampshire $680 -$264 -28.0%
New Jersey $1,056 $112 11.9%
New Mexico $832 -$112 -11.9%
New York $992 $48 5.1%
North Carolina $544 -$400 -42.4%
North Dakota $772 -$172 -18.2%
Ohio $648 -$296 -31.4%
Oklahoma $966 $22 2.3%
Oregon $864 -$80 -8.5%
Pennsylvania $898 -$46 -4.9%
Rhode Island $1,256 $312 33.1%
South Carolina $856 -$88 -9.3%
South Dakota $796 -$148 -15.7%
Tennessee $824 -$120 -12.7%
Texas $1,136 $192 20.3%
Utah $698 -$246 -26.1%
Vermont $644 -$300 -31.8%
Virginia $566 -$378 -40.0%
Washington $726 -$218 -23.1%
West Virginia $864 -$80 -8.5%
Wisconsin $652 -$292 -30.9%
Wyoming $838 -$106 -11.2%

View Chart as Image

Mini Cooper insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mini Cooper Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mini Cooper 2-Dr Hatchback $896 $75
Mini Cooper S 2-Dr Hatchback $936 $78
Mini Cooper 2-Dr Convertible $806 $67
Mini Cooper S 2-Dr Convertible $828 $69
Mini Cooper John Cooper Works 2-Dr Hatchback $984 $82
Mini Cooper John Cooper Works 2-Dr Convertible $888 $74

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.

Mini Cooper Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Mini Cooper $274 $502 $364 $1,276
2014 Mini Cooper $214 $350 $390 $1,090
2013 Mini Cooper $206 $328 $394 $1,064
2011 Mini Cooper $186 $284 $402 $1,008
2010 Mini Cooper $182 $258 $406 $982
2009 Mini Cooper $170 $236 $402 $944
2007 Mini Cooper $154 $192 $398 $880
2006 Mini Cooper $152 $188 $390 $866
2004 Mini Cooper $138 $170 $380 $824
2003 Mini Cooper $132 $162 $376 $806

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 Low Cost Mini Cooper Insurance

Getting lower rates on insurance for a Mini Cooper requires having a decent driving record, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a review of the data covered in the charts and tables above.

  • Insureds who purchase additional liability coverage will pay an extra $440 per year to increase from a low limit to a 250/500 level
  • You may be able to save around $110 per year just by quoting online in advance
  • Increasing physical damage deductibles could save as much as $275 each year
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $310 a month if they have full coverage

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.

Rates by Driver Age

Mini Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $3,714
20 $2,152
30 $964
40 $944
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,038
$500 $944
$1,000 $850

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $950
100/300 $1,028
250/500 $1,231
100 CSL $982
300 CSL $1,153
500 CSL $1,278

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,250
20 $3,428
30 $2,052
40 $2,030
50 $1,934
60 $1,916

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $60
Paid in Full/EFT $36
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $567

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

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