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.

Average auto insurance rates for a Mini Cooper are $912 annually with full coverage. Comprehensive insurance costs approximately $160 a year, collision insurance costs $214, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $1,958 or more. Teens receive the highest rates at up to $3,614 a year.

Average premium for full coverage: $912

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Cooper trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $550
• Drivers who choose higher $1,000 deductibles will pay $826 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $912
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $160 each year
• High-risk insureds with serious driving violations could pay around $1,958
• The cost with full coverage for a teenage driver can cost $3,614 a year

View Chart as Image

Car insurance rates for a Mini Cooper can also vary considerably based on the trim level of your Cooper, your driving record, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $250 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $281 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mini Cooper insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,230 on average in New York, Michigan, and Florida.

View Chart as Image

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 Affordable Mini Cooper Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around once a year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief review of the data that was raised in the charts and tables above.

• You may be able to save around $100 per year just by quoting early and online
• Consumers who purchase higher liability limits will pay approximately $440 every year to go from a minimum limit to higher 250/500 limits
• Teenagers pay the highest auto insurance rates, with premiums as much as $301 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may pay on average $1,050 more per year for car 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.

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.