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.

U.S. average insurance rates for a Mini Cooper are $1,220 a year with full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $450, and liability coverage costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs $2,640 or more. Teen drivers pay the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Cooper models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location, rather than using price averages.

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

Additional Rate Analysis

The chart below details average Mini Cooper insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $701
• Drivers who choose higher $1,000 deductibles will pay around $160 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,220
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $308 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,640
• The price that insures a teenage driver may cost $4,582 a year

View Chart as Image

Car insurance prices for a Mini Cooper are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 137% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

The state you live in makes a big difference in Mini Cooper insurance rates. A 40-year-old driver 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 could save up to $470 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit

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

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.

The points below are a brief review of the information covered in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Drivers under the age of 20 are expensive to insure, costing up to $382 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $475 each year
• Drivers with DUI or reckless driving convictions pay on average $1,420 more each year to insure a Mini Cooper
• Consumers who require increased liability limits will pay about $420 every year to go from a low limit to the 250/500 level

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.