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 insurance costs approximately $250, collision insurance costs $450, and liability costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs $2,640 or more. 16-year-old drivers pay the highest rates at up to $4,582 a year.
Average premium for full coverage: $1,220
Price estimates by individual coverage:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Cooper models.
Price Range from Low to High
For the average driver, Mini Cooper insurance prices range from the low end price of $432 for liability-only coverage to the much higher price of $2,640 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how location impacts auto insurance prices.
The ranges above highlight why everyone should compare prices using their specific location, instead of using 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.
Additional Charts and Tables
The chart below breaks down average Mini Cooper insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $701
- Using higher $1,000 deductibles will save $160 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,220
- Buying pricier low deductibles for physical damage coverage will cost an additional $308 every year
- Drivers with multiple tickets or accidents could pay around $2,640
- The price that insures a teen driver for full coverage can cost $4,582 or more
Car insurance prices for a Mini Cooper are also quite variable based on the model of your Cooper, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Mini Cooper insurance for high-risk drivers can be as much as 44% to 137% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age
The state you live in has a huge impact on Mini Cooper insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,740 on average in Louisiana, New York, and Michigan.
| 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 could cut prices by as much as $470 every year, whereas buying more liability protection will push prices upward. Changing 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
| 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 car insurance requires having a good driving record, having a positive credit history, being claim-free, and attention to physical damage deductibles. Comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a recap of the concepts that were touched on above.
- Higher risk drivers that have major violations or accidents will likely pay on average $1,420 more per year to buy Mini Cooper insurance
- Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $382 a month if full coverage is purchased
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $475 each year
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
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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