Mini Cooper Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Average auto insurance rates for a Mini Cooper are $1,220 annually for full coverage. Comprehensive insurance costs an estimated $250, collision costs $450, and liability costs $384. Buying just liability costs as little as $432 a year, with insurance for high-risk drivers costing $2,640 or more. 16-year-old drivers receive the highest rates at $4,582 a year or more.
Average premium for full coverage: $1,220
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Cooper models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $432 for minimum levels of liability insurance to the much higher price of $2,640 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These examples show why everyone should compare rates for a targeted area and their own personal driving habits, instead of using rate averages.
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 shows estimated Mini Cooper insurance rates for other coverage scenarios.
- The best full coverage rate is $701
- Drivers who choose higher $1,000 deductibles will pay approximately $160 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,220
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $308 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,640 or more
- The cost with full coverage for a teen driver for full coverage can cost as much as $4,582 a year
Auto insurance rates for a Mini Cooper can also vary considerably based on the trim level of your Cooper, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,000 in extra premium per year, depending on your age. Mini Cooper insurance for high-risk drivers can cost as much as 44% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $470 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $268 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Mini Cooper insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,740 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,100 | -$120 | -9.8% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,008 | -$212 | -17.4% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,388 | $168 | 13.8% |
| Colorado | $1,162 | -$58 | -4.8% |
| Connecticut | $1,250 | $30 | 2.5% |
| Delaware | $1,376 | $156 | 12.8% |
| Florida | $1,522 | $302 | 24.8% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $874 | -$346 | -28.4% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $906 | -$314 | -25.7% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,154 | -$66 | -5.4% |
| Kentucky | $1,662 | $442 | 36.2% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,004 | -$216 | -17.7% |
| Massachusetts | $972 | -$248 | -20.3% |
| Michigan | $2,112 | $892 | 73.1% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,080 | -$140 | -11.5% |
| Montana | $1,306 | $86 | 7.0% |
| Nebraska | $958 | -$262 | -21.5% |
| Nevada | $1,458 | $238 | 19.5% |
| New Hampshire | $878 | -$342 | -28.0% |
| New Jersey | $1,360 | $140 | 11.5% |
| New Mexico | $1,076 | -$144 | -11.8% |
| New York | $1,282 | $62 | 5.1% |
| North Carolina | $700 | -$520 | -42.6% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $838 | -$382 | -31.3% |
| Oklahoma | $1,250 | $30 | 2.5% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,160 | -$60 | -4.9% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,106 | -$114 | -9.3% |
| South Dakota | $1,028 | -$192 | -15.7% |
| Tennessee | $1,066 | -$154 | -12.6% |
| Texas | $1,468 | $248 | 20.3% |
| Utah | $900 | -$320 | -26.2% |
| Vermont | $832 | -$388 | -31.8% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $938 | -$282 | -23.1% |
| West Virginia | $1,116 | -$104 | -8.5% |
| Wisconsin | $842 | -$378 | -31.0% |
| Wyoming | $1,084 | -$136 | -11.1% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,138 | $95 |
| Mini Cooper S 2-Dr Hatchback | $1,208 | $101 |
| Mini Cooper 2-Dr Convertible | $1,070 | $89 |
| Mini Cooper S 2-Dr Convertible | $1,108 | $92 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,290 | $108 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,214 | $101 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Mini Cooper | $250 | $450 | $384 | $1,220 |
| 2014 Mini Cooper | $202 | $306 | $402 | $1,046 |
| 2013 Mini Cooper | $186 | $284 | $402 | $1,008 |
| 2011 Mini Cooper | $170 | $236 | $402 | $944 |
| 2010 Mini Cooper | $160 | $214 | $402 | $912 |
| 2009 Mini Cooper | $154 | $192 | $398 | $880 |
| 2007 Mini Cooper | $150 | $178 | $384 | $848 |
| 2006 Mini Cooper | $138 | $170 | $380 | $824 |
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 Buy More Affordable Mini Cooper Insurance
Saving money on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a summary of the data presented in the illustrations above.
- Policyholders who want increased levels of liability coverage will pay around $420 each year to go from a minimum limit to higher 250/500 limits
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $475 each year
- Drivers age 20 and younger are the costliest to insure, costing as high as $382 per 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,582 |
| 20 | $2,810 |
| 30 | $1,266 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,384 |
| $500 | $1,220 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,274 |
| 100/300 | $1,348 |
| 250/500 | $1,542 |
| 100 CSL | $1,303 |
| 300 CSL | $1,467 |
| 500 CSL | $1,587 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,538 |
| 20 | $4,476 |
| 30 | $2,694 |
| 40 | $2,640 |
| 50 | $2,518 |
| 60 | $2,496 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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