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.
Average insurance rates for a Mini Cooper are $912 a year including full coverage. Comprehensive insurance costs approximately $160, collision insurance costs $214, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $1,958 or more. Teen drivers receive the highest rates at up to $3,614 a year.
Average premium for full coverage: $912
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Cooper models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $446 for a discount liability-only rate to the much higher price of $1,958 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.
These examples highlight why everyone should get quotes using their specific location and risk profile, instead of using price 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.
Rates by State, City, and Model
The chart below breaks down average Mini Cooper insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $550
- Choosing higher $1,000 deductibles can save $86 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $912
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $160 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $1,958
- The cost for full coverage for a teen driver for full coverage can cost $3,614 each year
Car insurance rates for a Mini Cooper can also vary considerably based on your driver profile, the model of your Cooper, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $3,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Mini Cooper insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,300 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $824 | -$88 | -9.6% |
Alaska | $698 | -$214 | -23.5% |
Arizona | $756 | -$156 | -17.1% |
Arkansas | $912 | -$0 | 0.0% |
California | $1,038 | $126 | 13.8% |
Colorado | $868 | -$44 | -4.8% |
Connecticut | $936 | $24 | 2.6% |
Delaware | $1,028 | $116 | 12.7% |
Florida | $1,138 | $226 | 24.8% |
Georgia | $844 | -$68 | -7.5% |
Hawaii | $654 | -$258 | -28.3% |
Idaho | $616 | -$296 | -32.5% |
Illinois | $678 | -$234 | -25.7% |
Indiana | $688 | -$224 | -24.6% |
Iowa | $614 | -$298 | -32.7% |
Kansas | $866 | -$46 | -5.0% |
Kentucky | $1,242 | $330 | 36.2% |
Louisiana | $1,348 | $436 | 47.8% |
Maine | $562 | -$350 | -38.4% |
Maryland | $752 | -$160 | -17.5% |
Massachusetts | $726 | -$186 | -20.4% |
Michigan | $1,582 | $670 | 73.5% |
Minnesota | $762 | -$150 | -16.4% |
Mississippi | $1,092 | $180 | 19.7% |
Missouri | $808 | -$104 | -11.4% |
Montana | $978 | $66 | 7.2% |
Nebraska | $716 | -$196 | -21.5% |
Nevada | $1,092 | $180 | 19.7% |
New Hampshire | $656 | -$256 | -28.1% |
New Jersey | $1,018 | $106 | 11.6% |
New Mexico | $806 | -$106 | -11.6% |
New York | $960 | $48 | 5.3% |
North Carolina | $526 | -$386 | -42.3% |
North Dakota | $746 | -$166 | -18.2% |
Ohio | $628 | -$284 | -31.1% |
Oklahoma | $934 | $22 | 2.4% |
Oregon | $834 | -$78 | -8.6% |
Pennsylvania | $868 | -$44 | -4.8% |
Rhode Island | $1,214 | $302 | 33.1% |
South Carolina | $826 | -$86 | -9.4% |
South Dakota | $768 | -$144 | -15.8% |
Tennessee | $798 | -$114 | -12.5% |
Texas | $1,098 | $186 | 20.4% |
Utah | $674 | -$238 | -26.1% |
Vermont | $622 | -$290 | -31.8% |
Virginia | $546 | -$366 | -40.1% |
Washington | $704 | -$208 | -22.8% |
West Virginia | $834 | -$78 | -8.6% |
Wisconsin | $628 | -$284 | -31.1% |
Wyoming | $810 | -$102 | -11.2% |
Choosing high deductibles can save as much as $250 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $281 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,500 extra per year, depending on your age. Mini Cooper insurance for high-risk drivers ranges as much as 42% to 134% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Mini Cooper 2-Dr Hatchback | $868 | $72 |
Mini Cooper S 2-Dr Hatchback | $904 | $75 |
Mini Cooper 2-Dr Convertible | $776 | $65 |
Mini Cooper S 2-Dr Convertible | $796 | $66 |
Mini Cooper John Cooper Works 2-Dr Hatchback | $950 | $79 |
Mini Cooper John Cooper Works 2-Dr Convertible | $852 | $71 |
Rates assume 2009 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 | $260 | $484 | $376 | $1,256 |
2014 Mini Cooper | $206 | $328 | $394 | $1,064 |
2013 Mini Cooper | $202 | $306 | $402 | $1,046 |
2011 Mini Cooper | $182 | $258 | $406 | $982 |
2010 Mini Cooper | $170 | $236 | $402 | $944 |
2009 Mini Cooper | $160 | $214 | $402 | $912 |
2007 Mini Cooper | $152 | $188 | $390 | $866 |
2006 Mini Cooper | $150 | $178 | $384 | $848 |
2004 Mini Cooper | $132 | $162 | $376 | $806 |
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 Best Cheap Mini Cooper Insurance
Saving money on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The following is a quick review of the data that was presented in the illustrations above.
- You may be able to save around $100 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher liability limits will pay about $440 per year to raise limits from a minimum limit to 250/500 limits
- Teens pay the highest auto insurance rates, as much as $301 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,050 more per year for Cooper insurance
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 | $3,614 |
20 | $2,078 |
30 | $930 |
40 | $912 |
50 | $836 |
60 | $820 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,072 |
$250 | $1,000 |
$500 | $912 |
$1,000 | $826 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $912 |
50/100 | $914 |
100/300 | $992 |
250/500 | $1,195 |
100 CSL | $946 |
300 CSL | $1,117 |
500 CSL | $1,242 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,102 |
20 | $3,310 |
30 | $1,978 |
40 | $1,958 |
50 | $1,868 |
60 | $1,850 |
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 | $47 |
Multi-vehicle | $49 |
Homeowner | $16 |
5-yr Accident Free | $57 |
5-yr Claim Free | $57 |
Paid in Full/EFT | $34 |
Advance Quote | $40 |
Online Quote | $62 |
Total Discounts | $362 |
Discounts are estimated and may not be available from every company or in every state.
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