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 $1,220 a year with full coverage. Comprehensive costs approximately $250 each year, collision insurance costs $450, and liability insurance is $384. Liability-only insurance costs around $432 a year, and high-risk driver insurance costs around $2,640. 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:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Cooper models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $701
• Raising to $1,000 deductibles will save $160 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,220
• Buying low deductibles will increase the cost to $1,528
• Higher-risk drivers with multiple tickets or accidents could pay around $2,640
• The price for full coverage for a teen driver can cost $4,582

View Chart as Image

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

More mature drivers with no driving violations 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 will be charged in the ballpark of $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 $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,640 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $470 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 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

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. 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

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 Low Cost Mini Cooper Insurance

Getting lower rates on Mini Cooper insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a review of the information touched on in the above illustrations.

• You may be able to save around $150 per year just by quoting online in advance
• Youthful drivers pay the highest auto insurance prices, costing up to $382 a month if full coverage is included
• Increasing physical damage deductibles can save around $475 each year
• High-risk drivers who have several accidents or serious violations pay on average $1,420 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay around $420 every 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.

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.