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 $912 every 12 months for full coverage. Comprehensive costs approximately $160, collision costs $214, and liability coverage costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $1,958. Teenage drivers pay the highest rates at $3,614 a year or more.

Average premium for full coverage: $912

Price estimates by individual coverage:

Comprehensive $160
Collision $214
Liability $402

Includes $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all Cooper models.

Price Range from Low to High

For a 40-year-old driver, Mini Cooper insurance prices go from the cheapest price of $446 for just liability insurance to the much higher price of $1,958 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $912
High Risk $1,958

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

Rural Areas $684
Small Cities $958
Large Cities $1,231

The ranges above show why everyone should compare prices using their specific location and their own driving history, rather than using 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.

More Rate Details

The chart below shows estimated Mini Cooper insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $550
  • Using higher $1,000 deductibles will save $86 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $912
  • Using pricier low deductibles for physical damage coverage increases the price to $1,072
  • Higher-risk drivers who are prone to accidents and violations could pay around $1,958 or more
  • The price to insure a teenage driver for full coverage can cost $3,614 or more

View Chart as Image

Mini Cooper insurance cost comparison chart
Column chart showing full coverage Mini Cooper insurance rates range from $550 to $3,614

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

Using high physical damage deductibles could cut prices by as much as $250 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $281 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,500 additional each year, depending on your age. Mini Cooper insurance for high-risk drivers can be around 42% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Mini Cooper insurance rates. A driver around age 40 might see prices as low as $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,300 on average in New York, Louisiana, and Michigan.

Mini Cooper Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $824 -$88 -9.6%
Alaska $698 -$214 -23.5%
Arizona $756 -$156 -17.1%
Arkansas $912 -$0 0.0%
California $1,038 $126 13.8%
Colorado $868 -$44 -4.8%
Connecticut $936 $24 2.6%
Delaware $1,028 $116 12.7%
Florida $1,138 $226 24.8%
Georgia $844 -$68 -7.5%
Hawaii $654 -$258 -28.3%
Idaho $616 -$296 -32.5%
Illinois $678 -$234 -25.7%
Indiana $688 -$224 -24.6%
Iowa $614 -$298 -32.7%
Kansas $866 -$46 -5.0%
Kentucky $1,242 $330 36.2%
Louisiana $1,348 $436 47.8%
Maine $562 -$350 -38.4%
Maryland $752 -$160 -17.5%
Massachusetts $726 -$186 -20.4%
Michigan $1,582 $670 73.5%
Minnesota $762 -$150 -16.4%
Mississippi $1,092 $180 19.7%
Missouri $808 -$104 -11.4%
Montana $978 $66 7.2%
Nebraska $716 -$196 -21.5%
Nevada $1,092 $180 19.7%
New Hampshire $656 -$256 -28.1%
New Jersey $1,018 $106 11.6%
New Mexico $806 -$106 -11.6%
New York $960 $48 5.3%
North Carolina $526 -$386 -42.3%
North Dakota $746 -$166 -18.2%
Ohio $628 -$284 -31.1%
Oklahoma $934 $22 2.4%
Oregon $834 -$78 -8.6%
Pennsylvania $868 -$44 -4.8%
Rhode Island $1,214 $302 33.1%
South Carolina $826 -$86 -9.4%
South Dakota $768 -$144 -15.8%
Tennessee $798 -$114 -12.5%
Texas $1,098 $186 20.4%
Utah $674 -$238 -26.1%
Vermont $622 -$290 -31.8%
Virginia $546 -$366 -40.1%
Washington $704 -$208 -22.8%
West Virginia $834 -$78 -8.6%
Wisconsin $628 -$284 -31.1%
Wyoming $810 -$102 -11.2%

View Chart as Image

Mini Cooper insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 $868 $72
Mini Cooper S 2-Dr Hatchback $904 $75
Mini Cooper 2-Dr Convertible $776 $65
Mini Cooper S 2-Dr Convertible $796 $66
Mini Cooper John Cooper Works 2-Dr Hatchback $950 $79
Mini Cooper John Cooper Works 2-Dr Convertible $852 $71

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 $260 $484 $376 $1,256
2014 Mini Cooper $206 $328 $394 $1,064
2013 Mini Cooper $202 $306 $402 $1,046
2011 Mini Cooper $182 $258 $406 $982
2010 Mini Cooper $170 $236 $402 $944
2009 Mini Cooper $160 $214 $402 $912
2007 Mini Cooper $152 $188 $390 $866
2006 Mini Cooper $150 $178 $384 $848
2004 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 the Cheapest Mini Cooper Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the primary concepts that were illustrated above.

  • Drivers can save around $100 per year simply by quoting online well ahead of the renewal date
  • Drivers that have major violations or accidents may pay on average $1,050 more per year for Cooper insurance
  • Increasing physical damage deductibles could save as much as $250 each year
  • Teens are the costliest to insure, with premiums as much as $301 a month if full coverage is included

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 $3,614
20 $2,078
30 $930
40 $912
50 $836
60 $820

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,072
$250 $1,000
$500 $912
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $914
100/300 $992
250/500 $1,195
100 CSL $946
300 CSL $1,117
500 CSL $1,242

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,102
20 $3,310
30 $1,978
40 $1,958
50 $1,868
60 $1,850

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 $122

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $57
5-yr Claim Free $57
Paid in Full/EFT $34
Advance Quote $40
Online Quote $62
Total Discounts $362
Rate after discounts $550

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

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