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 auto insurance rates for a Mini Cooper are $912 annually with full coverage. Comprehensive insurance costs approximately $160 a year, collision insurance costs $214, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $1,958 or more. Teens receive the highest rates at up to $3,614 a year.
Average premium for full coverage: $912
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Cooper trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $446 for the bare minimum liability coverage to a high of $1,958 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using averaged prices.
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 Rate Information
The chart below details average Mini Cooper insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $550
- Drivers who choose higher $1,000 deductibles will pay $826 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $912
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $160 each year
- High-risk insureds with serious driving violations could pay around $1,958
- The cost with full coverage for a teenage driver can cost $3,614 a year
Car insurance rates for a Mini Cooper can also vary considerably based on the trim level of your Cooper, your driving record, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $250 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $281 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Mini Cooper insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,230 on average in New York, Michigan, and Florida.
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% |
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 Buy Affordable Mini Cooper Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around once a year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a brief review of the data that was raised in the charts and tables above.
- You may be able to save around $100 per year just by quoting early and online
- Consumers who purchase higher liability limits will pay approximately $440 every year to go from a minimum limit to higher 250/500 limits
- Teenagers pay the highest auto insurance rates, with premiums as much as $301 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,050 more per year for car 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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