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 $1,188 annually for full coverage. Comprehensive insurance costs an estimated $240, collision costs $424, and liability coverage is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing $2,568 or more. 16-year-old drivers pay the most at $4,482 a year or more.
Average premium for full coverage: $1,188
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Cooper models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Mini Cooper go from as cheap as $434 for just liability insurance to the much higher price of $2,568 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities.
The example below illustrates the effect of geographic area on insurance prices.
These rate differences show why everyone should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.
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.
More Rate Details
The chart below shows estimated Mini Cooper insurance rates for other coverage scenarios.
- The best full coverage rate is $686
- Choosing higher $1,000 deductibles can save approximately $152 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,188
- Buying pricier low deductibles for comp and collision coverage costs an additional $290 each year
- Drivers with multiple tickets or accidents could pay up to $2,568 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,482 each year
Insurance prices for a Mini Cooper also have a wide range based on the model of your Cooper, your driver profile, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 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 at least $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 additional annually, depending on your age. Mini Cooper insurance for high-risk drivers ranges around 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $450 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Mini Cooper insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$118 | -9.9% |
| Alaska | $908 | -$280 | -23.6% |
| Arizona | $984 | -$204 | -17.2% |
| Arkansas | $1,188 | -$0 | 0.0% |
| California | $1,350 | $162 | 13.6% |
| Colorado | $1,130 | -$58 | -4.9% |
| Connecticut | $1,216 | $28 | 2.4% |
| Delaware | $1,338 | $150 | 12.6% |
| Florida | $1,480 | $292 | 24.6% |
| Georgia | $1,096 | -$92 | -7.7% |
| Hawaii | $852 | -$336 | -28.3% |
| Idaho | $802 | -$386 | -32.5% |
| Illinois | $882 | -$306 | -25.8% |
| Indiana | $894 | -$294 | -24.7% |
| Iowa | $800 | -$388 | -32.7% |
| Kansas | $1,126 | -$62 | -5.2% |
| Kentucky | $1,616 | $428 | 36.0% |
| Louisiana | $1,754 | $566 | 47.6% |
| Maine | $732 | -$456 | -38.4% |
| Maryland | $980 | -$208 | -17.5% |
| Massachusetts | $946 | -$242 | -20.4% |
| Michigan | $2,058 | $870 | 73.2% |
| Minnesota | $992 | -$196 | -16.5% |
| Mississippi | $1,418 | $230 | 19.4% |
| Missouri | $1,052 | -$136 | -11.4% |
| Montana | $1,272 | $84 | 7.1% |
| Nebraska | $934 | -$254 | -21.4% |
| Nevada | $1,420 | $232 | 19.5% |
| New Hampshire | $856 | -$332 | -27.9% |
| New Jersey | $1,324 | $136 | 11.4% |
| New Mexico | $1,046 | -$142 | -12.0% |
| New York | $1,248 | $60 | 5.1% |
| North Carolina | $682 | -$506 | -42.6% |
| North Dakota | $970 | -$218 | -18.4% |
| Ohio | $818 | -$370 | -31.1% |
| Oklahoma | $1,216 | $28 | 2.4% |
| Oregon | $1,086 | -$102 | -8.6% |
| Pennsylvania | $1,130 | -$58 | -4.9% |
| Rhode Island | $1,580 | $392 | 33.0% |
| South Carolina | $1,074 | -$114 | -9.6% |
| South Dakota | $1,000 | -$188 | -15.8% |
| Tennessee | $1,036 | -$152 | -12.8% |
| Texas | $1,428 | $240 | 20.2% |
| Utah | $878 | -$310 | -26.1% |
| Vermont | $810 | -$378 | -31.8% |
| Virginia | $710 | -$478 | -40.2% |
| Washington | $912 | -$276 | -23.2% |
| West Virginia | $1,088 | -$100 | -8.4% |
| Wisconsin | $818 | -$370 | -31.1% |
| Wyoming | $1,054 | -$134 | -11.3% |
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,108 | $92 |
| Mini Cooper S 2-Dr Hatchback | $1,178 | $98 |
| Mini Cooper 2-Dr Convertible | $1,040 | $87 |
| Mini Cooper S 2-Dr Convertible | $1,074 | $90 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,254 | $105 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,174 | $98 |
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 | $240 | $424 | $388 | $1,188 |
| 2014 Mini Cooper | $186 | $284 | $402 | $1,008 |
| 2013 Mini Cooper | $182 | $258 | $406 | $982 |
| 2011 Mini Cooper | $160 | $214 | $402 | $912 |
| 2010 Mini Cooper | $154 | $192 | $398 | $880 |
| 2009 Mini Cooper | $152 | $188 | $390 | $866 |
| 2007 Mini Cooper | $138 | $170 | $380 | $824 |
| 2006 Mini Cooper | $132 | $162 | $376 | $806 |
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 More Affordable Mini Cooper Insurance
Finding better rates on auto insurance takes being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every year by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a summary of the coverage data covered in the above illustrations.
- Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $450 each year
- Teen drivers are expensive to insure, as much as $374 per month if they have full coverage
- Drivers who have multiple accidents or major violations may pay on average $1,380 more annually to insure their Cooper
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 | $4,482 |
| 20 | $2,734 |
| 30 | $1,230 |
| 40 | $1,188 |
| 50 | $1,086 |
| 60 | $1,066 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,342 |
| $500 | $1,188 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,188 |
| 50/100 | $1,234 |
| 100/300 | $1,309 |
| 250/500 | $1,504 |
| 100 CSL | $1,264 |
| 300 CSL | $1,429 |
| 500 CSL | $1,549 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,388 |
| 20 | $4,356 |
| 30 | $2,618 |
| 40 | $2,568 |
| 50 | $2,450 |
| 60 | $2,428 |
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 | $63 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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