How Much is Insurance for a MINI Hardtop 2 Door?

Average MINI Hardtop 2 Door auto insurance rates cost $1,292 a year, or around $108 a month. Mature drivers with good driving records may find rates as low as $759 a year.

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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 24, 2020

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Key Takeaways:

  • Full coverage costs around $1,292 a year or $108 each month
  • A liability-only policy costs around $518 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,722 a year or $394 each month
  • Good drivers can save as much as $533 a year by earning policy discounts
  • MINI Hardtop 2 Door insurance costs around $227 less per year than the average vehicle

If you have just begun your search for affordable MINI Hardtop 2 Door car insurance rates, you’ve come to the right place.

MINI Hardtop 2 Door rates amount to an average of $1,292 a year for full coverage, or $518 per year for a liability-only policy. Take a look at this helpful article to find out everything you need to know about MINI Hardtop 2 Door insurance rates.

You can start comparing quotes for MINI Hardtop 2 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 2 Door Insurance Cost

The average auto insurance rates for a MINI Hardtop 2 Door cost $1,292 a year or $108 a month.

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Are MINI Hardtop 2 Doors Expensive to Insure?

The chart below details how MINI Hardtop 2 Door insurance rates compare to other coupes like the Infiniti Q60, Mercedes-Benz CLA 250, and Dodge Challenger.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Infiniti Q60 $382 $744 $398 $1,682
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Dodge Challenger $404 $688 $420 $1,692
Nissan 370Z $332 $714 $450 $1,676
Audi S5 $394 $864 $398 $1,814
Cadillac ATS Coupe $344 $686 $398 $1,586
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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 Hardtop 2 Door Insurance?

The MINI Hardtop 2 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 2 Door insurance coverage.

Age of the Vehicle

Older MINI Hardtop 2 Door models generally cost less to insure. For example, car insurance rates for a 2018 MINI Hardtop 2 Door are $1,292, while 2017 MINI Hardtop 2 Door rates are $1,286, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 2 Door $282 $536 $338 $1,292
2017 MINI Hardtop 2 Door $272 $524 $354 $1,286
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Driver Age

Driver age can have a significant effect on the cost of MINI Hardtop 2 Door car insurance. For example, a 20-year-old driver could pay around $132 more each month for their MINI Hardtop 2 Door car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on MINI Hardtop 2 Door insurance rates. For example, drivers in Jacksonville may pay $775 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of MINI Hardtop 2 Door auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 2 Door auto insurance rates with violations on their driving record.

MINI Hardtop 2 Door Crash Test Ratings

Poor MINI Hardtop 2 Door crash test ratings could mean higher MINI Hardtop 2 Door car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 2 Door 4 Stars 4 Stars 4 Stars 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Hardtop 2 Door Safety Features

The safety features of the MINI Hardtop 2 Door can impact your MINI Hardtop 2 Door car insurance rates. The MINI Hardtop 2 Door has the following safety features:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Rear Park Distance Control Rear Parking Sensors
  • Automatic Emergency Braking
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Outboard Front Lap And Shoulder Safety Belts -inc: Pretensioners
  • Back-Up Camera

MINI Hardtop 2 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2 Door, you will pay more if you purchase MINI Hardtop 2 Door auto insurance at the dealership, so be sure to shop around and compare MINI Hardtop 2 Door auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on MINI Hardtop 2 Door Insurance

You have more options at your disposal to save money on your MINI Hardtop 2 Door car insurance costs. For example, try these five tips:

  • Never Drink and Drive Your MINI Hardtop 2 Door
  • Spy on Your Teen Driver
  • Remove Young Drivers from Your MINI Hardtop 2 Door Insurance Plan
  • Ask About Student Discounts
  • Start Searching for New MINI Hardtop 2 Door Car Insurance a Month Before Your Renewal

Top MINI Hardtop 2 Door Insurance Companies

Several insurance companies offer competitive rates for the MINI Hardtop 2 Door based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with MINI Hardtop 2 Door drivers organized by 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 Hardtop 2 Door Insurance Quotes Online

You can start comparing quotes for MINI Hardtop 2 Door auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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