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.
Estimated auto insurance rates for a Mini Cooper are $1,188 annually for full coverage insurance. Comprehensive costs around $240, collision costs $424, and liability insurance is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $2,568. 16-year-old drivers pay the most at $4,482 a year or more.
Average premium for full coverage: $1,188
Premium estimates for type of coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Cooper models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mini Cooper go from as cheap as $434 for just liability insurance to the much higher price of $2,568 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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.
More Rate Details
The chart below illustrates estimated Mini Cooper insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $686
- Raising to $1,000 deductibles will save about $152 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,188
- Buying pricier low deductibles will cost $1,478
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,568 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $4,482
Insurance prices for a Mini Cooper also have a wide range based on the model of your Cooper, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $450 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Mini Cooper insurance rates. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$118 | -9.9% |
| Alaska | $908 | -$280 | -23.6% |
| Arizona | $984 | -$204 | -17.2% |
| Arkansas | $1,188 | -$0 | 0.0% |
| California | $1,350 | $162 | 13.6% |
| Colorado | $1,130 | -$58 | -4.9% |
| Connecticut | $1,216 | $28 | 2.4% |
| Delaware | $1,338 | $150 | 12.6% |
| Florida | $1,480 | $292 | 24.6% |
| Georgia | $1,096 | -$92 | -7.7% |
| Hawaii | $852 | -$336 | -28.3% |
| Idaho | $802 | -$386 | -32.5% |
| Illinois | $882 | -$306 | -25.8% |
| Indiana | $894 | -$294 | -24.7% |
| Iowa | $800 | -$388 | -32.7% |
| Kansas | $1,126 | -$62 | -5.2% |
| Kentucky | $1,616 | $428 | 36.0% |
| Louisiana | $1,754 | $566 | 47.6% |
| Maine | $732 | -$456 | -38.4% |
| Maryland | $980 | -$208 | -17.5% |
| Massachusetts | $946 | -$242 | -20.4% |
| Michigan | $2,058 | $870 | 73.2% |
| Minnesota | $992 | -$196 | -16.5% |
| Mississippi | $1,418 | $230 | 19.4% |
| Missouri | $1,052 | -$136 | -11.4% |
| Montana | $1,272 | $84 | 7.1% |
| Nebraska | $934 | -$254 | -21.4% |
| Nevada | $1,420 | $232 | 19.5% |
| New Hampshire | $856 | -$332 | -27.9% |
| New Jersey | $1,324 | $136 | 11.4% |
| New Mexico | $1,046 | -$142 | -12.0% |
| New York | $1,248 | $60 | 5.1% |
| North Carolina | $682 | -$506 | -42.6% |
| North Dakota | $970 | -$218 | -18.4% |
| Ohio | $818 | -$370 | -31.1% |
| Oklahoma | $1,216 | $28 | 2.4% |
| Oregon | $1,086 | -$102 | -8.6% |
| Pennsylvania | $1,130 | -$58 | -4.9% |
| Rhode Island | $1,580 | $392 | 33.0% |
| South Carolina | $1,074 | -$114 | -9.6% |
| South Dakota | $1,000 | -$188 | -15.8% |
| Tennessee | $1,036 | -$152 | -12.8% |
| Texas | $1,428 | $240 | 20.2% |
| Utah | $878 | -$310 | -26.1% |
| Vermont | $810 | -$378 | -31.8% |
| Virginia | $710 | -$478 | -40.2% |
| Washington | $912 | -$276 | -23.2% |
| West Virginia | $1,088 | -$100 | -8.4% |
| Wisconsin | $818 | -$370 | -31.1% |
| Wyoming | $1,054 | -$134 | -11.3% |
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,108 | $92 |
| Mini Cooper S 2-Dr Hatchback | $1,178 | $98 |
| Mini Cooper 2-Dr Convertible | $1,040 | $87 |
| Mini Cooper S 2-Dr Convertible | $1,074 | $90 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,254 | $105 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,174 | $98 |
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 | $240 | $424 | $388 | $1,188 |
| 2014 Mini Cooper | $186 | $284 | $402 | $1,008 |
| 2013 Mini Cooper | $182 | $258 | $406 | $982 |
| 2011 Mini Cooper | $160 | $214 | $402 | $912 |
| 2010 Mini Cooper | $154 | $192 | $398 | $880 |
| 2009 Mini Cooper | $152 | $188 | $390 | $866 |
| 2007 Mini Cooper | $138 | $170 | $380 | $824 |
| 2006 Mini Cooper | $132 | $162 | $376 | $806 |
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 the Best Cheap Mini Cooper Insurance
Finding better rates on Mini Cooper insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting quotes from direct insurance companies, and also from several local insurance agents.
Below is a quick review of the data that was raised in the charts and tables above.
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Drivers who may need higher levels of liability will pay around $430 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teenage drivers pay higher prices, with premiums being up to $374 per month including comprehensive and collision insurance
- High-risk drivers with a DUI or reckless driving violation pay on average $1,380 more every year for auto insurance
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 | $4,482 |
| 20 | $2,734 |
| 30 | $1,230 |
| 40 | $1,188 |
| 50 | $1,086 |
| 60 | $1,066 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,342 |
| $500 | $1,188 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,188 |
| 50/100 | $1,234 |
| 100/300 | $1,309 |
| 250/500 | $1,504 |
| 100 CSL | $1,264 |
| 300 CSL | $1,429 |
| 500 CSL | $1,549 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,388 |
| 20 | $4,356 |
| 30 | $2,618 |
| 40 | $2,568 |
| 50 | $2,450 |
| 60 | $2,428 |
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 | $63 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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