How Much is Insurance on a MINI Hardtop 4 Door?

Average auto insurance rates for a MINI Hardtop 4 Door cost $1,416 a year, or around $118 a month. Good drivers can save as much as $2,184 a year over higher risk drivers.

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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: Jul 17, 2020

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Key takeaways:

  • Full coverage costs around $1,416 a year or $118 each month
  • A liability-only policy costs around $568 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,175 a year or $431 each month
  • Good drivers can save as much as $584 a year by earning policy discounts
  • MINI Hardtop 4 Door insurance costs around $103 less per year than the average vehicle

MINI Hardtop 4 Door insurance rates average $1,416 a year or $118 a month for full coverage. Teens have the highest rates at around $5,175 a year or $431 a month as they’re considered to be high-risk with little driving experience.

Good drivers can save up to $584 a year in policy discounts by staying claim-free. We’re going to take a quick look at MINI Hardtop 4 Door insurance rates, safety features, and more.

You can start comparing quotes for MINI Hardtop 4 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 4 Door Insurance Cost

The average auto insurance rates for a MINI Hardtop 4 Door cost $1,416 a year or $118 a month.

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Are MINI Hardtop 4 Doors Expensive to Insure?

The chart below details how MINI Hardtop 4 Door insurance rates compare to other sedans like the Honda Civic, Hyundai Elantra, and Ford Fusion.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 4 Door $294 $566 $398 $1,416
Honda Civic $280 $656 $420 $1,536
Hyundai Elantra $280 $562 $372 $1,372
Ford Fusion $336 $626 $372 $1,492
Subaru Impreza $320 $542 $390 $1,410
Chevrolet Impala $280 $532 $372 $1,342
Chevrolet Malibu $322 $532 $372 $1,384
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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 4 Door Insurance?

The MINI Hardtop 4 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 4 Door auto insurance coverage.

Age of the Vehicle

Older MINI Hardtop 4 Door models generally cost less to insure. For example, car insurance for a 2018 MINI Hardtop 4 Door costs $1,416, while 2017 MINI Hardtop 4 Door insurance costs are $1,410, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 4 Door $294 $566 $398 $1,416
2017 MINI Hardtop 4 Door $284 $552 $416 $1,410
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Driver Age

Driver age can have a significant impact on the cost of MINI Hardtop 4 Door auto insurance. For example, 20-year-old drivers pay approximately $1,732 each year for their MINI Hardtop 4 Door auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in Phoenix may pay $778 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your MINI Hardtop 4 Door car insurance rates. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 4 Door car insurance with violations on their driving record.

MINI Hardtop 4 Door Safety Features

The more safety features you have on your MINI Hardtop 4 Door, the more likely it is that you can earn a discount. The MINI Hardtop 4 Door’s safety features include:

  • Active Brakes
  • Dynamic Stability Control
  • Cornering Brake Control
  • Head-Up Display
  • Adaptive Cruise Control
  • Crash Sensor System
  • Rollover Protection Bar

MINI Hardtop 4 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 4 Door, most lenders will require your carry higher MINI Hardtop 4 Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 4 Door auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on MINI Hardtop 4 Door Insurance

Drivers can end up saving more money on their MINI Hardtop 4 Door car insurance rates by employing any one of the following strategies.

  • Remove Unnecessary Insurance Once Your MINI Hardtop 4 Door is Paid Off
  • Compare MINI Hardtop 4 Door Quotes for Free Online
  • Take Advantage of Referral Fees
  • Buy An Older MINI Hardtop 4 Door
  • Ask About MINI Hardtop 4 Door Low Mileage Discounts

Top MINI Hardtop 4 Door Insurance Companies

The best auto insurance companies for MINI Hardtop 4 Door car insurance rates will offer competitive rates, discounts, and account for the MINI Hardtop 4 Door’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 Hardtop 4 Door Insurance Quotes Online

To start comparing MINI Hardtop 4 Door car insurance quotes for free, use our online car insurance comparison tool.

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