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 $1,188 annually for full coverage. Comprehensive costs an estimated $240 each year, collision insurance costs $424, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs around $2,568. Teens pay the highest rates at up to $4,482 a year.

Average premium for full coverage: $1,188

Price estimates broken down by individual coverage:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Cooper models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Mini Cooper insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $686
• Choosing higher $1,000 deductibles can save approximately $152 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,188
• Selecting low deductibles for comp and collision coverage will cost $1,478
• Higher-risk drivers with serious driving violations could pay up to $2,568
• The price with full coverage for a 16-year-old driver can cost as much as $4,482 each year

View Chart as Image

Car insurance prices for a Mini Cooper are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers ranges from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $450 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $270 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mini Cooper insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,690 on average in New York, Louisiana, 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 Cheaper Mini Cooper Insurance

Getting lower rates on insurance for a Mini Cooper takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the information raised in the charts and tables above.

• Drivers can save approximately $140 per year just by quoting online in advance
• Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $374 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $450 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,380 more annually to buy Mini Cooper insurance
• Insureds who want increased levels of liability coverage will pay approximately $430 each year to raise limits from a low limit 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.