How Much are MINI Cooper Insurance Rates?

Average MINI Cooper car insurance rates cost $106 per month ($1,276 per year). Finding MINI Cooper teenager insurance rates can cost on average $4,664 a year, so shop around to find cheap coverage.

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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...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jul 4, 2020

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Key Takeaways:

  • Full coverage costs around $1,276 a year or $106 each month
  • A liability-only policy costs around $511 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,664 a year or $389 each month
  • Good drivers can save as much as $526 a year by earning policy discounts
  • MINI Cooper insurance costs around $243 less per year than the average vehicle

MINI Cooper car insurance rates cost drivers an average of $1,276 a year, or around $106 per month for full coverage. If you are only interested in minimum coverage, MINI Cooper rates for a liability policy cost an average of $511 a year or $43 every month. In order to assist you in your search for the best MINI Cooper insurance rates, use this detailed guide to help you along the way.

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

MINI Cooper Insurance Cost

The average MINI Cooper car insurance rates are $1,276 a year or $106 a month.

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Are MINI Coopers Expensive to Insure?

The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Audi A8, Chevrolet Corvette, and Mercedes-Benz C300.

VehicleComprehensiveCollisionLiabilityTotal
Audi A8$464$900$390$1,912
Chevrolet Corvette$494$922$264$1,790
Mercedes-Benz C300$404$718$372$1,652
Jaguar XF$406$804$398$1,766
Audi S8$658$1368$398$2,582
Acura TLX$332$686$398$1,574

However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Cooper Insurance?

The MINI Cooper trim and model you choose will affect the total price you will pay for MINI Cooper insurance coverage.

Age of the Vehicle

The average MINI Cooper car insurance rates are higher for newer models. For example, car insurance for a 2016 MINI Cooper costs $1,276, while 2010 MINI Cooper insurance costs are $1,064, a difference of $212.

Model YearComprehensiveCollisionLiabilityTotal
2016 MINI Cooper$274$502$364$1,276
2015 MINI Cooper$260$484$376$1,256
2014 MINI Cooper$250$450$384$1,220
2013 MINI Cooper$240$424$388$1,188
2012 MINI Cooper$230$380$390$1,136
2011 MINI Cooper$214$350$390$1,090
2010 MINI Cooper$206$328$394$1,064

Driver Age

Driver age can have a significant impact on the cost of MINI Cooper auto insurance. For example, 20-year-old drivers pay as much as $1,617 more each year for their MINI Cooper auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in New York may pay $778 a year more than drivers in Seattle.

Your Driving Record

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

MINI Cooper Safety Ratings

Your MINI Cooper auto insurance rates are influenced by the MINI Cooper’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideN/R
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

MINI Cooper Crash Test Ratings

MINI Cooper crash test ratings can impact your MINI Cooper car insurance rates. See MINI Cooper crash test results below:

Vehicle TestedOverallFrontalSideRollover
MINI Cooper4 Stars4 Stars4 Stars4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

MINI Cooper Safety Features

The numerous safety features of the MINI Cooper help contribute to lower insurance rates. The 2020 MINI Cooper has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Auto-Leveling Headlights

MINI Cooper Finance and Insurance Cost

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

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Ways to Save on MINI Cooper Insurance

There are several ways you can save even more on your MINI Cooper car insurance rates. Take a look at the following five tips:

  • Get Married and Ask for a Discount
  • Use an Accurate Job Title When Requesting MINI Cooper Auto Insurance
  • Move to the Countryside
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Improve Your Credit Score

Top MINI Cooper Insurance Companies

Who is the top car insurance company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free MINI Cooper Insurance Quotes Online

You can start comparing quotes for MINI Cooper car insurance rates from some of the best car insurance companies by using our free online tool now.
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Before buying this popular tiny car, you may want to examine Mini Cooper car insurance rates so you know what you will pay in the long run.

While small cars tend to have lower fuel costs, this is not always true for insurance premiums. Several factors will influence the exact insurance cost for your vehicle, including the model, age, and added safety features, as well as personal factors such as your driving record and credit score.

Get car insurance quotes for your Mini Cooper now! It’s easy and FREE!

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Defining the Mini Cooper

The Mini Cooper, originally known as the Micro Car, was first introduced by the British Motor Corporation in 1957, in response to Britain’s oil crisis. In 1961, it was redesigned for added safety and renamed the Mini Cooper after race car designer John Cooper.

The car disappeared from production in the 1970s and 1980s, but in 1994, the Rover Group — which owned rights to the Mini Cooper — was purchased by BMW. It was redesigned and modernized, making it slightly larger and creating a convertible model.

Today, the Mini Cooper — or simply called Mini for short — has three primary models sold in the U.S. These models include the baseline Mini, Mini S, and the top-of-the-line John Cooper Works Mini. All of these models are available in convertible or hardtop versions.

The Mini is one of the most expensive cars in its size range. The basic version starts at $20,100. The John Cooper Works version starts at $35,000.

Named a top ten green car in 2010, the Mini Cooper gets excellent gas mileage and will save you a lot of money on fuel.

It has also received several awards for safety, and in 2011, U.S. News and World Report rated it number nine out of 33 affordable small cars.

Vehicle Factors that Influence Car Insurance Rates

Several factors can either lower or raise car insurance rates for the Mini Cooper. Unlike some small cars, this one is actually super fast — which negatively impacts how insurance companies view it.

Depending on the model, the Mini engines range from 118 to 172 horsepower, adding a sporty aspect to the car and dollars to your insurance premium.

The Mini’s safety ratings and features help to improve its insurance costs. Rated a top safety pick for 2011 by the IIHS, the Mini receives positive ratings in all crash and rollover tests. The convertible version has four standard airbags, while the hardtop version adds side impact airbags for a total of six.

The Mini Cooper also contains the latest ABS braking system, electronic brake force distribution, and an engine designed to break away from its mounts in the event of a head-on collision to help protect the legs of those in the front seat.

Stability and traction control also come standard in all models. These safety features help to improve the cost of insurance premiums for the Mini Cooper.

Mini Cooper auto insurance rates are easy to find, but there are some important things to keep in mind. For instance, where you live will affect your rate. California Mini Cooper insurance costs will be different than New York Mini Cooper insurance costs, for example.

Also, rates change. 2013 Mini Cooper insurance rates are different than the 2014 Mini Cooper insurance rates.

Personal Factors that Influence Car Insurance Rates

While insurance companies determine policy costs that are somewhat based on the make and model of the vehicle you wish to insure, they also base the cost on your responses to personal information questions.

Individual factors that insurance companies examine when determining your premium include:

  • Driving record
  • Age and gender
  • Occupation
  • Location where you reside and work
  • Where you will park the car
  • Your average annual mileage
  • Credit rating
  • Additional drivers who may be added to the policy

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Mini Cooper Car Insurance Rates Summary

While the Mini has several safety features that help to lower insurance costs for this car, it also has an engine that makes it fast and sporty, causing insurance companies to increase rates.

Without including the many personal factors that influence your car insurance premium, the average annual cost for a Mini Cooper is $1,385, based on insurance data.

If this amount is more than you want to pay, you might consider similar vehicles, such as the Ford Fiesta, Honda Fit, Volkswagen Golf, or Kia Forte.

However, if the amount is within your price range and you decide to stick with the Mini Cooper, you will be getting a highly rated small car!

Ready to search for car insurance quotes for your Mini Cooper? Get started now by clicking here and entering your ZIP code!

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