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 auto insurance rates for a Mini Cooper are $1,188 annually including full coverage. Comprehensive costs approximately $240, collision insurance costs $424, and liability insurance is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs around $2,568. Teenage drivers pay the highest rates at up to $4,482 a year.

Average premium for full coverage: $1,188

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Cooper models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The ranges above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down average Mini Cooper insurance rates for additional coverage and risk scenarios.

• The best discount rate is $686
• Raising to $1,000 deductibles will save $152 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,188
• Using pricier low deductibles will cost $1,478
• Higher-risk drivers who are prone to accidents and violations could pay around $2,568
• The price with full coverage for a teen driver for full coverage can cost $4,482

View Chart as Image

Auto insurance prices for a Mini Cooper are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $450 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $270 extra every year. View Rates by Deductible or Liability Limit

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 $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

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 Buy More Affordable Mini Cooper Insurance

Getting lower rates on Mini Cooper insurance consists of being safe and accident-free, having above-average credit, being claim-free, and possibly higher deductibles. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the material that was touched on in this article.

• Drivers who purchase more liability protection will pay an extra $430 per year to raise from a low limit to higher 250/500 limits
• Youthful drivers have the highest car insurance prices, possibly costing $374 a month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,380 more per year than a low-risk driver
• Increasing physical damage deductibles could save up to $450 each year

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.