Mini Cooper S 2-Dr Convertible Insurance Rates

Estimated auto insurance rates for a Mini Cooper S 2-Dr Convertible are $1,248 annually for full coverage insurance. Comprehensive costs around $326, collision costs $572, and liability coverage costs $240. Liability-only insurance costs as little as $292 a year, with high-risk driver insurance costing around $2,680. Teen drivers pay the most at $4,354 a year or more.

Annual premium for full coverage: $1,248

Premium estimates for type of coverage:

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

Price Range for Insurance for this Mini Cooper Trim Level

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas.

The example below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

Insurance prices for a Mini Cooper S 2-Dr Convertible also have a wide range based on the replacement cost of your Cooper, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,000 additional annually, depending on your age. Mini Cooper S 2-Dr Convertible insurance for high-risk drivers can cost around 46% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $216 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mini Cooper S 2-Dr Convertible insurance rates. A 40-year-old driver could pay 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.

With such a large range of prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and rates will be substantially different between companies.

View Chart as Image

The chart estimates Mini Cooper S 2-Dr Convertible insurance prices for different situations. The cheapest price with discounts is $703. Drivers who choose higher $1,000 deductibles will pay about $1,044. The average price for a driver age 40 with no violations using $500 deductibles is $1,248. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,644. High risk drivers could be charged up to $2,680. The rate for full coverage insurance for a 16-year-old driver is $4,354.

View Chart as Image