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.

Average auto insurance rates for a Mini Cooper are $1,188 annually with full coverage. Comprehensive costs on average $240, collision costs $424, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,568. Teens receive the highest rates at $4,482 a year or more.

Average premium for full coverage: $1,188

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Cooper models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Mini Cooper insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $686
• Drivers who choose higher $1,000 deductibles will pay around $152 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,188
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,478
• Drivers with serious driving violations could pay upwards of $2,568 or more
• The cost with full coverage for a 16-year-old driver for full coverage may cost $4,482 a year

View Chart as Image

Insurance rates for a Mini Cooper can also vary considerably based on the trim level of your Cooper, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. Mini Cooper insurance for high-risk drivers can cost from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $450 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mini Cooper insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company calculates rates differently, so the rates can be significantly 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 Mini Cooper Insurance

Saving money on insurance for a Mini Cooper not only requires having a good driving record, but also having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates every year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a brief recap of the coverage data covered above.

• You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $450 each year
• Drivers age 20 and younger pay the highest rates, with premiums as much as $374 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,380 more each year to buy Mini Cooper 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.