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 prices for a Mini Cooper are $1,188 every 12 months including full coverage. Comprehensive insurance costs around $240 a year, collision insurance costs $424, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs $2,568 or more. Teen drivers receive the highest rates at up to $4,482 a year.

Average premium for full coverage: $1,188

Rate estimates for individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Cooper trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below breaks down average Mini Cooper insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $686
• Drivers who choose higher $1,000 deductibles will pay about $1,036 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,188
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $290 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,568
• The cost to insure a 16-year-old driver can be $4,482 a year

View Chart as Image

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

Choosing high deductibles could save up to $450 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $270 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 45% to 131% more than average. View High Risk Driver Rates

Where you live makes a big difference in Mini Cooper insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Cheaper Mini Cooper Insurance

Saving money on insurance for a Mini Cooper not only requires having a good driving record, but also having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the data presented in the illustrations above.

• Insureds who may need increased levels of liability coverage will pay about $430 per year to go from a minimum limit to a 250/500 level
• You may be able to save up to $140 per year just by quoting early and online
• Increasing deductibles could save as much as $450 each year
• Drivers age 20 and younger are expensive to insure, as much as $374 per month if comprehensive and collision insurance 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.

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.