Mini Cooper 2-Dr Convertible Insurance Rates

The average auto insurance rates for a Mini Cooper 2-Dr Convertible are $1,202 annually including full coverage. Comprehensive insurance costs approximately $312 a year, collision costs $540, and liability costs around $240. Buying just liability costs as low as $292 a year, with insurance for high-risk drivers costing $2,578 or more. Teen drivers cost the most to insure at $4,210 a year or more.

Annual premium for full coverage: $1,202

Policy rates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mini Cooper Trim Level

These price differences highlight why it is important for drivers to compare prices using their specific location and their own personal driving habits, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Mini Cooper 2-Dr Convertible also range considerably based on the model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $216 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Mini Cooper 2-Dr Convertible insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

View Chart as Image

The chart above shows average Mini Cooper 2-Dr Convertible insurance prices for different situations. The best price after discounts is $680. Drivers who choose higher $1,000 deductibles will pay about $1,010. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,202. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,578. High risk drivers could be charged around $2,578. The cost for full coverage for a teenager can be as high as $4,210.

View Chart as Image