Mini Cooper Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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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.
Estimated auto insurance rates for a Mini Cooper are $1,220 annually for full coverage insurance. Comprehensive costs on average $250 each year, collision insurance costs $450, and liability is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs around $2,640. Teens pay the most at up to $4,582 a year.
Average premium for full coverage: $1,220
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Cooper models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mini Cooper range from as cheap as $432 for the bare minimum liability coverage to a high rate of $2,640 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.
These rate differences illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average Mini Cooper insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $701
- Choosing higher $1,000 deductibles can save around $160 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,220
- Selecting low deductibles for comp and collision coverage will cost $1,528
- Unlucky drivers with serious driving violations could pay upwards of $2,640
- An auto insurance policy with full coverage for a teen driver may cost $4,582 each year
Insurance prices for a Mini Cooper also have a wide range based on the model of your Cooper, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $470 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Mini Cooper insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,640 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,100 | -$120 | -9.8% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,008 | -$212 | -17.4% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,388 | $168 | 13.8% |
| Colorado | $1,162 | -$58 | -4.8% |
| Connecticut | $1,250 | $30 | 2.5% |
| Delaware | $1,376 | $156 | 12.8% |
| Florida | $1,522 | $302 | 24.8% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $874 | -$346 | -28.4% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $906 | -$314 | -25.7% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,154 | -$66 | -5.4% |
| Kentucky | $1,662 | $442 | 36.2% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,004 | -$216 | -17.7% |
| Massachusetts | $972 | -$248 | -20.3% |
| Michigan | $2,112 | $892 | 73.1% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,080 | -$140 | -11.5% |
| Montana | $1,306 | $86 | 7.0% |
| Nebraska | $958 | -$262 | -21.5% |
| Nevada | $1,458 | $238 | 19.5% |
| New Hampshire | $878 | -$342 | -28.0% |
| New Jersey | $1,360 | $140 | 11.5% |
| New Mexico | $1,076 | -$144 | -11.8% |
| New York | $1,282 | $62 | 5.1% |
| North Carolina | $700 | -$520 | -42.6% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $838 | -$382 | -31.3% |
| Oklahoma | $1,250 | $30 | 2.5% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,160 | -$60 | -4.9% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,106 | -$114 | -9.3% |
| South Dakota | $1,028 | -$192 | -15.7% |
| Tennessee | $1,066 | -$154 | -12.6% |
| Texas | $1,468 | $248 | 20.3% |
| Utah | $900 | -$320 | -26.2% |
| Vermont | $832 | -$388 | -31.8% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $938 | -$282 | -23.1% |
| West Virginia | $1,116 | -$104 | -8.5% |
| Wisconsin | $842 | -$378 | -31.0% |
| Wyoming | $1,084 | -$136 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,138 | $95 |
| Mini Cooper S 2-Dr Hatchback | $1,208 | $101 |
| Mini Cooper 2-Dr Convertible | $1,070 | $89 |
| Mini Cooper S 2-Dr Convertible | $1,108 | $92 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,290 | $108 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,214 | $101 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Mini Cooper | $250 | $450 | $384 | $1,220 |
| 2014 Mini Cooper | $202 | $306 | $402 | $1,046 |
| 2013 Mini Cooper | $186 | $284 | $402 | $1,008 |
| 2011 Mini Cooper | $170 | $236 | $402 | $944 |
| 2010 Mini Cooper | $160 | $214 | $402 | $912 |
| 2009 Mini Cooper | $154 | $192 | $398 | $880 |
| 2007 Mini Cooper | $150 | $178 | $384 | $848 |
| 2006 Mini Cooper | $138 | $170 | $380 | $824 |
Rates are averaged for all Mini Cooper models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Mini Cooper Insurance
Finding better rates on car insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and determing if full coverage is necessary. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from local exclusive and independent agents.
The list below is a quick rundown of the primary concepts that were touched on in the above illustrations.
- It is possible to save as much as $150 per year just by quoting online in advance
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,420 more each year for car insurance
- Increasing policy deductibles could save up to $475 each year
- Teenagers pay the highest prices, with premiums being up to $382 per month including comprehensive and collision 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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,582 |
| 20 | $2,810 |
| 30 | $1,266 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,384 |
| $500 | $1,220 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,274 |
| 100/300 | $1,348 |
| 250/500 | $1,542 |
| 100 CSL | $1,303 |
| 300 CSL | $1,467 |
| 500 CSL | $1,587 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,538 |
| 20 | $4,476 |
| 30 | $2,694 |
| 40 | $2,640 |
| 50 | $2,518 |
| 60 | $2,496 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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