Mini Cooper Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 insurance rates for a Mini Cooper are $912 a year for full coverage insurance. Comprehensive costs on average $160 each year, collision insurance costs $214, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $1,958. 16-year-old drivers pay the highest rates at up to $3,614 a year.

Average premium for full coverage: $912

Price estimates by individual coverage:

Comprehensive $160
Collision $214
Liability $402

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Cooper models.

Price Range from Low to High

For the average 40-year-old driver, Mini Cooper insurance prices range from the low end price of $446 for a discount liability-only rate to a high rate of $1,958 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $912
High Risk $1,958

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $684
Small Cities $958
Large Cities $1,231

The ranges above illustrate why all drivers should compare prices based on a specific location, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below illustrates average Mini Cooper insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $550
  • Using higher $1,000 deductibles will save around $86 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $912
  • Buying low deductibles for physical damage coverage bumps up the cost to $1,072
  • High-risk insureds with multiple tickets or accidents could pay upwards of $1,958
  • The price that insures a 16-year-old driver may cost $3,614 or more

View Chart as Image

Mini Cooper insurance cost comparison chart
Column chart showing Mini Cooper insurance rates range from $550 to $3,614 for full coverage

Insurance prices for a Mini Cooper are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,600 a year. View Rates by Age

The state you live in has a huge impact on Mini Cooper insurance prices. A driver around age 40 might see prices as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,230 on average in Michigan, New York, and Florida.

Mini Cooper Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $824 -$88 -9.6%
Alaska $698 -$214 -23.5%
Arizona $756 -$156 -17.1%
Arkansas $912 -$0 0.0%
California $1,038 $126 13.8%
Colorado $868 -$44 -4.8%
Connecticut $936 $24 2.6%
Delaware $1,028 $116 12.7%
Florida $1,138 $226 24.8%
Georgia $844 -$68 -7.5%
Hawaii $654 -$258 -28.3%
Idaho $616 -$296 -32.5%
Illinois $678 -$234 -25.7%
Indiana $688 -$224 -24.6%
Iowa $614 -$298 -32.7%
Kansas $866 -$46 -5.0%
Kentucky $1,242 $330 36.2%
Louisiana $1,348 $436 47.8%
Maine $562 -$350 -38.4%
Maryland $752 -$160 -17.5%
Massachusetts $726 -$186 -20.4%
Michigan $1,582 $670 73.5%
Minnesota $762 -$150 -16.4%
Mississippi $1,092 $180 19.7%
Missouri $808 -$104 -11.4%
Montana $978 $66 7.2%
Nebraska $716 -$196 -21.5%
Nevada $1,092 $180 19.7%
New Hampshire $656 -$256 -28.1%
New Jersey $1,018 $106 11.6%
New Mexico $806 -$106 -11.6%
New York $960 $48 5.3%
North Carolina $526 -$386 -42.3%
North Dakota $746 -$166 -18.2%
Ohio $628 -$284 -31.1%
Oklahoma $934 $22 2.4%
Oregon $834 -$78 -8.6%
Pennsylvania $868 -$44 -4.8%
Rhode Island $1,214 $302 33.1%
South Carolina $826 -$86 -9.4%
South Dakota $768 -$144 -15.8%
Tennessee $798 -$114 -12.5%
Texas $1,098 $186 20.4%
Utah $674 -$238 -26.1%
Vermont $622 -$290 -31.8%
Virginia $546 -$366 -40.1%
Washington $704 -$208 -22.8%
West Virginia $834 -$78 -8.6%
Wisconsin $628 -$284 -31.1%
Wyoming $810 -$102 -11.2%

View Chart as Image

Mini Cooper insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $250 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $281 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Mini Cooper Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mini Cooper 2-Dr Hatchback $868 $72
Mini Cooper S 2-Dr Hatchback $904 $75
Mini Cooper 2-Dr Convertible $776 $65
Mini Cooper S 2-Dr Convertible $796 $66
Mini Cooper John Cooper Works 2-Dr Hatchback $950 $79
Mini Cooper John Cooper Works 2-Dr Convertible $852 $71

Rates assume 2009 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.

Mini Cooper Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Mini Cooper $260 $484 $376 $1,256
2014 Mini Cooper $206 $328 $394 $1,064
2013 Mini Cooper $202 $306 $402 $1,046
2011 Mini Cooper $182 $258 $406 $982
2010 Mini Cooper $170 $236 $402 $944
2009 Mini Cooper $160 $214 $402 $912
2007 Mini Cooper $152 $188 $390 $866
2006 Mini Cooper $150 $178 $384 $848
2004 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 Find Cheaper Mini Cooper Insurance

Getting lower rates on insurance for a Mini Cooper requires avoiding accidents and violations, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were touched on in this article.

  • It is possible to save as much as $100 per year just by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,050 more each year for car insurance
  • Increasing physical damage deductibles can save approximately $250 each year
  • Teenagers pay the highest prices, as much as $301 a month if full coverage is included

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Rates by Driver Age

Mini Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $3,614
20 $2,078
30 $930
40 $912
50 $836
60 $820

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,072
$250 $1,000
$500 $912
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $914
100/300 $992
250/500 $1,195
100 CSL $946
300 CSL $1,117
500 CSL $1,242

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,102
20 $3,310
30 $1,978
40 $1,958
50 $1,868
60 $1,850

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 $122

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $57
5-yr Claim Free $57
Paid in Full/EFT $34
Advance Quote $40
Online Quote $62
Total Discounts $362
Rate after discounts $550

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption