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 $1,220 annually with full coverage. Comprehensive costs on average $250, collision insurance costs $450, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $2,640. Teenage drivers pay the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Cooper models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Rural areas have fewer collision claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details average Mini Cooper insurance rates for different risk profiles and scenarios.

• The best discount rate is $701
• Drivers who choose higher $1,000 deductibles will pay around $160 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,220
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,528
• Drivers who are prone to accidents and violations could pay upwards of $2,640
• The price with full coverage for a 16-year-old driver for full coverage may cost $4,582 a year

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 record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. Mini Cooper insurance for high-risk drivers can cost from 44% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $470 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $268 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mini Cooper insurance prices. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,640 on average in Florida, Michigan, and New York.

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 the Best Cheap Mini Cooper Insurance

Getting lower rates on insurance for a Mini Cooper not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the coverage data raised in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $475 each year
• Teen drivers are charged the highest prices, costing up to $382 a month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,420 more each year to insure their Cooper

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.