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 insurance rates for a Mini Cooper are $1,220 a year with full coverage. Comprehensive costs around $250, collision costs $450, and liability coverage is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers costing around $2,640. Teen drivers receive the highest rates at $4,582 a year or more.

Average premium for full coverage: $1,220

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

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

These examples demonstrate why everyone should get quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Charts and Tables

The chart below details estimated Mini Cooper insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $701
• Choosing higher $1,000 deductibles can save about $160 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,220
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,528
• Drivers with multiple violations and an at-fault accident could pay at least $2,640 or more
• The cost for full coverage for a teenage driver for full coverage can be $4,582 each year

View Chart as Image

Auto insurance rates for a Mini Cooper can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Mini Cooper insurance rates. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,640 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $470 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,000 in extra premium per year, depending on your age. Mini Cooper insurance for high-risk drivers ranges around 44% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Find Affordable Mini Cooper Insurance

Saving money on auto insurance takes avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a brief review of the primary concepts that were illustrated above.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions pay an average of $1,420 more every year for car insurance
• Increasing deductibles can save around $475 each year
• Teenagers are expensive to insure, with premiums as much as $382 per 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.

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.