Mini Cooper Insurance Rates
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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.
U.S. average insurance rates for a Mini Cooper are $1,220 a year including full coverage. Comprehensive costs around $250, collision costs $450, and liability insurance is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $2,640. 16-year-old drivers pay the highest rates at $4,582 a year or more.
Average premium for full coverage: $1,220
Price estimates for individual coverage:
Includes $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Cooper models.
Price Range from Low to High
For the average 40-year-old driver, Mini Cooper insurance prices go from as low as $432 for just liability insurance to the much higher price of $2,640 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why everyone should compare rates quotes for a specific zip code and risk profile, 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 breaks down estimated Mini Cooper insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $701
- Raising to $1,000 deductibles will save about $160 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,220
- Buying pricier low deductibles will increase the cost to $1,528
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,640 or more
- The price for full coverage for a teen driver for full coverage can be $4,582
Insurance prices for a Mini Cooper are also quite variable based on your driving record, the model of your Cooper, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
The state you live in also has a big influence on Mini Cooper insurance rates. A middle-age driver might find prices as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,740 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $470 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $268 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,000 additional each year, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best 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, and prices may be quite different from one company to the next.
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 Find the Cheapest Mini Cooper Insurance
Getting lower rates on Mini Cooper insurance consists of having a good driving record, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a recap of the information touched on in this article.
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger are charged the highest prices, possibly costing $382 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $475 each year
- High-risk drivers that have major violations or accidents pay on average $1,420 more every year to buy Mini Cooper insurance
- Drivers who may need increased levels of liability coverage will pay around $420 per year to raise from a low limit to 250/500 limits
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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