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 prices for a Mini Cooper are $1,188 every 12 months for full coverage insurance. Comprehensive costs around $240, collision costs $424, and liability coverage is $388. A policy with just liability insurance costs around $434 a year, with coverage for high-risk drivers costing around $2,568. Teenage drivers pay the highest rates at $4,482 a year or more.

Average premium for full coverage: $1,188

Price estimates for individual coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Cooper models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Mini Cooper insurance rates for additional coverage choices and driver risks.

• The best discount rate is $686
• Raising to $1,000 deductibles will save about $152 each year
• The average price for the average middle-age driver using $500 deductibles is $1,188
• Using pricier low deductibles increases the price to $1,478
• Unlucky drivers who are prone to accidents and violations could pay at least $2,568 or more
• The price to insure a teenage driver for full coverage can be $4,482

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Insurance prices for a Mini Cooper are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $450 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates

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 $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

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Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Shop for Low Cost Mini Cooper Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the primary concepts that were illustrated above.

• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations may pay on average $1,380 more every year than a low-risk driver
• Increasing physical damage deductibles could save as much as $450 each year
• Youthful drivers pay higher prices, as much as $374 a month if they have full coverage

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.