Mini Cooper John Cooper Works 2-Dr Convertible Insurance Rates

The average insurance rates for a Mini Cooper John Cooper Works 2-Dr Convertible are $1,384 a year for full coverage insurance. Comprehensive costs on average $368 each year, collision costs $666, and liability costs around $240. Liability-only coverage costs as low as $292 a year, with high-risk coverage costing around $2,980. Teen drivers cost the most to insure at $4,788 a year or more.

Annual premium for full coverage: $1,384

Policy rates by individual coverage:

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

Price Range for Insurance for this Mini Cooper Trim Level

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

These price differences illustrate why all drivers should compare prices based on a specific location, instead of using price averages.

Use the form below to get rates for your location.

Insurance prices for a Mini Cooper John Cooper Works 2-Dr Convertible also range considerably based on the actual cash value of your Cooper, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 46% to 129% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state has a huge impact on Mini Cooper John Cooper Works 2-Dr Convertible insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $690 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $216 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

The chart estimates Mini Cooper John Cooper Works 2-Dr Convertible insurance prices for different risks and coverage choices. The best price after discounts is $770. Drivers who choose higher $1,000 deductibles will pay $1,150. The average price for a 40-year-old male driver using $500 deductibles is $1,384. Using lower $100 deductibles for physical damage coverage could cost up to $1,840. High risk drivers could be charged around $2,980. The policy rate for full coverage insurance for a teen driver can be as high as $4,788.

View Chart as Image