Mini Cooper Insurance Rates
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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.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|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.
|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.
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||$60|
|5-yr Claim Free||$60|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.