Compare Cheap MINI Convertible Insurance Quotes

If you want to buy cheap MINI Convertible insurance coverage then you should know that a policy will cost $100 per month ($1,204 per year) on average. Teens pay the highest rates at up to $4,401 a year, while good drivers may only pay $708.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 19, 2020

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Key Takeaways:

  • Full coverage costs around $1,204 a year or $100 each month
  • A liability-only policy costs around $483 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,401 a year or $367 each month
  • Good drivers can save as much as $496 a year by earning policy discounts
  • MINI Convertible insurance costs around $315 less per year than the average vehicle

MINI Convertible car insurance rates cost drivers an average of $1,204 a year, which comes down to an even $100 per month. Some of the factors that determine MINI Convertible rates include the age of both the driver and vehicle, as well as the safety features of the model. Take a look through this detailed article to learn more about MINI Convertible insurance rates.

You can start comparing quotes for MINI Convertible car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Convertible Insurance Cost

The average MINI Convertible auto insurance costs are $1,204 a year or $100 a month.

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Are MINI Convertibles Expensive to Insure?

The chart below details how MINI Convertible insurance rates compare to other convertibles like the Mercedes-Benz SLC 300, Mercedes-Benz SL 450, and BMW M6.

Vehicle Comprehensive Collision Liability Total
MINI Convertible $294 $536 $264 $1,204
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Mercedes-Benz SL 450 $482 $922 $398 $1,960
BMW M6 $520 $1130 $450 $2,280
Buick Cascada $332 $656 $398 $1,544
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However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Convertible Insurance?

The MINI Convertible trim and model you choose can impact the total price you will pay for MINI Convertible insurance coverage.

Age of the Vehicle

Older MINI Convertible models generally cost less to insure. For example, auto insurance rates for a 2018 MINI Convertible are $1,204, while 2017 MINI Convertible rates are $1,192, a difference of $12.

Model Year Comprehensive Collision Liability Total
2018 MINI Convertible $294 $536 $264 $1,204
2017 MINI Convertible $284 $524 $274 $1,192
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Driver Age

Driver age can have a significant impact on the cost of MINI Convertible auto insurance. For example, 20-year-old drivers pay as much as $1,525 more each year for their MINI Convertible auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Convertible insurance rates. For example, drivers in New York may pay $313 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of MINI Convertible auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Convertible auto insurance rates with violations on their driving record.

MINI Convertible Crash Test Ratings

Not only do good MINI Convertible crash test ratings mean you are better protected in a crash, but good MINI Convertible crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Convertible N/R N/R N/R 5 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Convertible Safety Features

MINI Convertible safety features can lower the cost of your insurance. The safety features for the 2020 MINI Convertible include:

  • Active Emergency Braking System
  • Heads-Up Display
  • Adaptive Cruise Control
  • Dynamic Stability Control (DSB)
  • Crash Sensor System
  • Rollover Protection Bar (ROPB)
  • Engine Immobilizer

MINI Convertible Finance and Insurance Cost

If you are financing a MINI Convertible, you will pay more if you purchase MINI Convertible car insurance at the dealership, so be sure to shop around and compare MINI Convertible car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on MINI Convertible Insurance

Save more on your MINI Convertible car insurance rates. Take a look at the following five strategies that will get you the best MINI Convertible auto insurance rates possible.

  • Ask About Usage-Based Insurance for Your MINI Convertible
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Buy An Older MINI Convertible
  • Use an Accurate Job Title When Requesting MINI Convertible Auto Insurance
  • Pay Your MINI Convertible Insurance Upfront

Top MINI Convertible Insurance Companies

The best auto insurance companies for MINI Convertible car insurance rates will offer competitive rates, discounts, and account for the MINI Convertible’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free MINI Convertible Insurance Quotes Online

Start comparing MINI Convertible auto insurance quotes for free by using our FREE online comparison tool.

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