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 $1,188 a year for full coverage. Comprehensive costs an estimated $240 a year, collision insurance costs $424, and liability is estimated at $388. A policy with just liability insurance costs approximately $434 a year, and coverage for high-risk drivers costs around $2,568. Teens pay the highest rates at up to $4,482 a year.

Average premium for full coverage: $1,188

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Cooper trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above show why it is important to get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below shows average Mini Cooper insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $686
• Choosing higher $1,000 deductibles can save approximately $1,036 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,188
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,478
• Higher-risk drivers with serious driving violations could pay up to $2,568
• The price that insures a 16-year-old driver can cost as much as $4,482 each year

View Chart as Image

Insurance prices for a Mini Cooper are also quite variable based on the trim level of your Cooper, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 45% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mini Cooper insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $270 more per year. 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 the Cheapest Mini Cooper Insurance

Getting lower rates on insurance for a Mini Cooper takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The following items are a recap of the information raised in the charts and tables above.

• Drivers can save approximately $140 per year just by quoting early and online
• 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $374 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,380 more annually than a driver with a clean driving record
• Insureds who want additional liability coverage will pay approximately $430 each year to raise limits 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.