Mini Cooper Insurance Rates

You may have found yourself wondering how much you might have to pay for MINI Cooper insurance rates. If this sounds like you, you should know that average insurance for a MINI Cooper amounts to $1,366 a year for full coverage, which translates to a $114 monthly bill.

There are a variety of factors that ultimately impact MINI Cooper insurance costs, such as the model year of the vehicle and the driver’s history. In order to help you effectively secure a cheap MINI Cooper insurance policy, we’ve prepared this comprehensive guide for you.

Once you’ve read through the material outlined in this article, you will be ready to spot a MINI insurance quote that works for your budget. In fact, you can get begin comparing MINI car insurance group rates by entering your five-digit ZIP code into our free online quote tool.

U.S. average auto insurance rates for a Mini Cooper are $1,220 annually for full coverage insurance. Comprehensive insurance costs around $250, collision costs $450, and liability coverage costs around $384. Liability-only insurance costs as low as $432 a year, with high-risk driver insurance costing $2,640 or more. Teenage drivers pay the highest rates at $4,582 a year or more.

Average premium for full coverage: $1,220

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Cooper models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated Mini Cooper insurance rates for additional coverage choices and driver risks.

• The best discount rate is $701
• Using higher $1,000 deductibles will save about $160 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,220
• Using pricier low deductibles for physical damage coverage costs an additional $308 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,640 or more
• The price with full coverage for a teenage driver for full coverage can be $4,582 or more

View Chart as Image

Car insurance prices for a Mini Cooper are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,000 extra each year, depending on your age. Mini Cooper insurance for high-risk drivers can be around 44% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $470 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mini Cooper insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,640 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Mini Cooper Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the data that was presented in the illustrations above.

• It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
• Consumers who may need higher levels of liability will pay an extra $420 annually to increase from a low limit to higher 250/500 limits
• Teenage drivers are the costliest to insure, as much as $382 a month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,420 more every year for auto insurance

Now that you are aware of how MINI Cooper rates can fluctuate, you have a better understanding of what you might expect to pay based on the model year of your vehicle. For example, the insurance cost of a 2015 MINI Cooper will be different than the price range of a 2008 MINI Cooper.

The best way to find out what your individual policy will look like is by using our free online quote tool below.

What are the safety ratings of the MINI Cooper?

It’s important to consider the safety ratings of the MINI Cooper to get a good idea of where you might qualify for policy discounts. 

Take a look at the safety ratings of the MINI Cooper below so you can see where you might be eligible for policy discounts.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety (IIHS) classifies “Good” as the highest rating possible. The MINI Cooper achieved that mark in every part of the car that was tested, which is helpful when it comes to reducing insurance rates.

MINI Cooper Compared Against Other Vehicles in the Same Class

Experts from the IIHS classify the MINI Cooper as a small two-door car. By comparison, other similar models include the following:

• Hyundai Accent
• Kia Rio
• Chevrolet Spark

When providing you with a quote, insurance companies will consider the loss percentages of the MINI Cooper as it compares to other similar models in this class. 

The good news is that the MINI Cooper reflects a good loss percentage for bodily injury liability at -25 percent and -23 percent for property damage liability.

By now you should have a great handle on how MINI Cooper auto insurance rates are calculated, so is there anything we might have missed? If not, start comparing MINI Cooper car insurance rates from multiple companies by using our quoting tool now.