Mini Cooper S 2-Dr Convertible Insurance Rates

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Estimated auto insurance rates for a Mini Cooper S 2-Dr Convertible are $1,248 annually for full coverage insurance. Comprehensive costs around $326, collision costs $572, and liability coverage costs $240. Liability-only insurance costs as little as $292 a year, with high-risk driver insurance costing around $2,680. Teen drivers pay the most at $4,354 a year or more.

Annual premium for full coverage: $1,248

Premium estimates for type of coverage:

Comprehensive $326
Collision $572
Liability $240

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mini Cooper Trim Level

Using a middle-aged driver as an example, insurance rates for a Mini Cooper S 2-Dr Convertible go from as cheap as $292 for the bare minimum liability coverage to the much higher price of $2,680 for a high-risk driver policy.

Liability Only $292
Full Coverage $1,248
High Risk $2,680

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas.

The example below illustrates how where you live affects auto insurance rates.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Mini Cooper S 2-Dr Convertible also have a wide range based on the replacement cost of your Cooper, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,000 additional annually, depending on your age. Mini Cooper S 2-Dr Convertible insurance for high-risk drivers can cost around 46% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $216 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mini Cooper S 2-Dr Convertible insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and rates will be substantially different between companies.

View Chart as Image

Mini Cooper S 2-Dr Convertible insurance cost comparison chart
Column chart showing Mini Cooper S 2-Dr Convertible insurance prices range from $703 to $4,354 for full coverage

The chart estimates Mini Cooper S 2-Dr Convertible insurance prices for different situations. The cheapest price with discounts is $703. Drivers who choose higher $1,000 deductibles will pay about $1,044. The average price for a driver age 40 with no violations using $500 deductibles is $1,248. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,644. High risk drivers could be charged up to $2,680. The rate for full coverage insurance for a 16-year-old driver is $4,354.

Mini Cooper S 2-Dr Convertible Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,128 -$120 -9.6%
Alaska $956 -$292 -23.4%
Arizona $1,036 -$212 -17.0%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,192 -$56 -4.5%
Connecticut $1,282 $34 2.7%
Delaware $1,412 $164 13.1%
Florida $1,558 $310 24.8%
Georgia $1,154 -$94 -7.5%
Hawaii $896 -$352 -28.2%
Idaho $846 -$402 -32.2%
Illinois $930 -$318 -25.5%
Indiana $938 -$310 -24.8%
Iowa $842 -$406 -32.5%
Kansas $1,184 -$64 -5.1%
Kentucky $1,702 $454 36.4%
Louisiana $1,848 $600 48.1%
Maine $768 -$480 -38.5%
Maryland $1,030 -$218 -17.5%
Massachusetts $994 -$254 -20.4%
Michigan $2,166 $918 73.6%
Minnesota $1,044 -$204 -16.3%
Mississippi $1,496 $248 19.9%
Missouri $1,108 -$140 -11.2%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,498 $250 20.0%
New Hampshire $900 -$348 -27.9%
New Jersey $1,392 $144 11.5%
New Mexico $1,104 -$144 -11.5%
New York $1,314 $66 5.3%
North Carolina $716 -$532 -42.6%
North Dakota $1,022 -$226 -18.1%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,146 -$102 -8.2%
Pennsylvania $1,190 -$58 -4.6%
Rhode Island $1,664 $416 33.3%
South Carolina $1,132 -$116 -9.3%
South Dakota $1,052 -$196 -15.7%
Tennessee $1,092 -$156 -12.5%
Texas $1,504 $256 20.5%
Utah $924 -$324 -26.0%
Vermont $852 -$396 -31.7%
Virginia $748 -$500 -40.1%
Washington $964 -$284 -22.8%
West Virginia $1,146 -$102 -8.2%
Wisconsin $864 -$384 -30.8%
Wyoming $1,108 -$140 -11.2%

View Chart as Image

Mini Cooper S 2-Dr Convertible insurance rates by U.S. city

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Rates by Driver Age

Mini Cooper S 2-Dr Convertible Insurance Rates by Driver Age
Driver Age Premium
16 $4,354
20 $2,846
30 $1,320
40 $1,248
50 $1,136
60 $1,114

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper S 2-Dr Convertible Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,460
$500 $1,248
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper S 2-Dr Convertible Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,296
100/300 $1,356
250/500 $1,512
100 CSL $1,320
300 CSL $1,452
500 CSL $1,548

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper S 2-Dr Convertible Insurance Rates for High Risk Drivers
Age Premium
16 $6,266
20 $4,520
30 $2,760
40 $2,680
50 $2,550
60 $2,528

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $63
Homeowner $16
5-yr Accident Free $99
5-yr Claim Free $81
Paid in Full/EFT $63
Advance Quote $64
Online Quote $91
Total Discounts $545
Rate after discounts $703

Discounts are estimated and may not be available from every company or in every state.

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