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.

Estimated auto insurance rates for a Mini Cooper are $1,220 annually for full coverage insurance. Comprehensive insurance costs approximately $250 each year, collision insurance costs $450, and liability coverage costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs $2,640 or more. Teen drivers pay the most at up to $4,582 a year.

Average premium for full coverage: $1,220

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Cooper models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $701
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,220
• Choosing low deductibles for comprehensive and collision insurance costs an additional $308 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,640
• An auto insurance policy with full coverage for a teenage driver can cost $4,582 a year

View Chart as Image

Insurance prices for a Mini Cooper also have a wide range based on the model of your Cooper, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $470 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mini Cooper insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,640 on average in Florida, New York, and Michigan.

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 Affordable Mini Cooper Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief review of the information raised in the charts and tables above.

• It is possible to save around $150 per year just by quoting online in advance
• Teenage drivers are expensive to insure, with premiums being up to $382 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $475 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,420 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay about $420 annually to go from 30/60 bodily injury limits to higher 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.