Mini Cooper Insurance Rates

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.

Estimated auto insurance rates for a Mini Cooper are $912 annually for full coverage. Comprehensive costs an estimated $160, collision insurance costs $214, and liability insurance is $402. A policy with only liability insurance costs around $446 a year, and a high-risk policy costs around $1,958. Teens pay the most at up to $3,614 a year.

Average premium for full coverage: $912

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Cooper models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Mini Cooper insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $550
• Raising to $1,000 deductibles will save approximately $86 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $912
• Selecting pricier low deductibles will cost $1,072
• Higher-risk drivers with serious driving violations could pay up to $1,958
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $3,614

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Car insurance prices for a Mini Cooper also have a wide range based on the model of your Cooper, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,100 to $1,500 extra annually, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $250 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $281 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mini Cooper insurance rates. A middle-age driver might find prices as low as $600 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,300 on average in New York, Louisiana, and Michigan.

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Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Cheap Mini Cooper Insurance

Finding better rates on Mini Cooper insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

Below is a quick review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,050 more annually for auto insurance
• Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $250 each year
• Drivers who want higher levels of liability will pay approximately $440 each year to raise from 30/60 bodily injury limits to higher 250/500 limits

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.

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:

• Hyundai Accent
• Kia Rio
• Chevrolet Spark

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.