Mini Cooper Insurance Rates

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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: May 12, 2022

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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.

Average insurance prices for a Mini Cooper are $944 every 12 months including full coverage. Comprehensive costs an estimated $170, collision costs $236, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,030. Teen drivers receive the highest rates at $3,714 a year or more.

Average premium for full coverage: $944

Rate estimates broken down by individual coverage type:

Comprehensive $170
Collision $236
Liability $402

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Cooper trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $446 for basic liability insurance to a much higher rate of $2,030 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $944
High Risk $2,030

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $708
Small Cities $991
Large Cities $1,274

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using price 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.

Rate Comparisons

The chart below breaks down estimated Mini Cooper insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $567
  • Using higher $1,000 deductibles will save approximately $94 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $944
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,118
  • Drivers with multiple violations and an at-fault accident could pay up to $2,030 or more
  • The cost to insure a teen driver with full coverage can cost as much as $3,714 or more

View Chart as Image

Mini Cooper insurance cost comparison chart
Column chart showing full coverage Mini Cooper insurance rates range from $567 to $3,714

Auto insurance rates for a Mini Cooper can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $270 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $281 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates

Where you live has a huge impact on Mini Cooper insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,350 on average in Louisiana, New York, and Michigan.

Mini Cooper Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $852 -$92 -9.7%
Alaska $722 -$222 -23.5%
Arizona $782 -$162 -17.2%
Arkansas $944 -$0 0.0%
California $1,074 $130 13.8%
Colorado $898 -$46 -4.9%
Connecticut $968 $24 2.5%
Delaware $1,064 $120 12.7%
Florida $1,176 $232 24.6%
Georgia $872 -$72 -7.6%
Hawaii $678 -$266 -28.2%
Idaho $638 -$306 -32.4%
Illinois $702 -$242 -25.6%
Indiana $712 -$232 -24.6%
Iowa $636 -$308 -32.6%
Kansas $894 -$50 -5.3%
Kentucky $1,286 $342 36.2%
Louisiana $1,394 $450 47.7%
Maine $582 -$362 -38.3%
Maryland $778 -$166 -17.6%
Massachusetts $752 -$192 -20.3%
Michigan $1,636 $692 73.3%
Minnesota $790 -$154 -16.3%
Mississippi $1,130 $186 19.7%
Missouri $836 -$108 -11.4%
Montana $1,012 $68 7.2%
Nebraska $742 -$202 -21.4%
Nevada $1,130 $186 19.7%
New Hampshire $680 -$264 -28.0%
New Jersey $1,056 $112 11.9%
New Mexico $832 -$112 -11.9%
New York $992 $48 5.1%
North Carolina $544 -$400 -42.4%
North Dakota $772 -$172 -18.2%
Ohio $648 -$296 -31.4%
Oklahoma $966 $22 2.3%
Oregon $864 -$80 -8.5%
Pennsylvania $898 -$46 -4.9%
Rhode Island $1,256 $312 33.1%
South Carolina $856 -$88 -9.3%
South Dakota $796 -$148 -15.7%
Tennessee $824 -$120 -12.7%
Texas $1,136 $192 20.3%
Utah $698 -$246 -26.1%
Vermont $644 -$300 -31.8%
Virginia $566 -$378 -40.0%
Washington $726 -$218 -23.1%
West Virginia $864 -$80 -8.5%
Wisconsin $652 -$292 -30.9%
Wyoming $838 -$106 -11.2%

View Chart as Image

Mini Cooper insurance rates by U.S. city

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 $896 $75
Mini Cooper S 2-Dr Hatchback $936 $78
Mini Cooper 2-Dr Convertible $806 $67
Mini Cooper S 2-Dr Convertible $828 $69
Mini Cooper John Cooper Works 2-Dr Hatchback $984 $82
Mini Cooper John Cooper Works 2-Dr Convertible $888 $74

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 $274 $502 $364 $1,276
2014 Mini Cooper $214 $350 $390 $1,090
2013 Mini Cooper $206 $328 $394 $1,064
2011 Mini Cooper $186 $284 $402 $1,008
2010 Mini Cooper $182 $258 $406 $982
2009 Mini Cooper $170 $236 $402 $944
2007 Mini Cooper $154 $192 $398 $880
2006 Mini Cooper $152 $188 $390 $866
2004 Mini Cooper $138 $170 $380 $824
2003 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 Shop for the Cheapest Mini Cooper Insurance

Saving money on car insurance requires having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a recap of the concepts that were touched on in this article.

  • Higher risk drivers that have major violations or accidents may have to pay on average $1,090 more annually to buy Mini Cooper insurance
  • Drivers age 20 and younger are the costliest to insure, as much as $310 per month if comprehensive and collision insurance is included
  • You may be able to save approximately $110 per year simply by shopping early and online
  • Increasing deductibles could save as much as $275 each year
  • You may be able to save approximately $110 per year simply by shopping early and online

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.

Rates by Driver Age

Mini Cooper Insurance Rates by Driver Age
Driver Age Premium
16 $3,714
20 $2,152
30 $964
40 $944
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Mini Cooper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,038
$500 $944
$1,000 $850

Full coverage, driver age 40

Rates by Liability Limit

Mini Cooper Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $950
100/300 $1,028
250/500 $1,231
100 CSL $982
300 CSL $1,153
500 CSL $1,278

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Cooper Insurance Rates for High Risk Drivers
Age Premium
16 $5,250
20 $3,428
30 $2,052
40 $2,030
50 $1,934
60 $1,916

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $60
Paid in Full/EFT $36
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $567

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

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