Mini Cooper S 2-Dr Hatchback Insurance Rates

The average insurance prices for a Mini Cooper S 2-Dr Hatchback are $1,330 every 12 months for full coverage insurance. Comprehensive costs an estimated $312, collision insurance costs $572, and liability costs $310. Liability-only insurance costs as little as $370 a year, and high-risk driver insurance costs around $2,868. Teen drivers cost the most to insure at up to $4,802 a year.

Annual premium for full coverage: $1,330

Policy rates broken down by type of insurance:

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

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

These price differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Mini Cooper S 2-Dr Hatchback also range considerably based on liability limits and deductibles, your risk profile, and the model year.

Choosing high deductibles could save up to $590 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than average. View High Risk Driver Rates

Your home state makes a big difference in Mini Cooper S 2-Dr Hatchback insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied.

View Chart as Image

The chart estimates Mini Cooper S 2-Dr Hatchback insurance rates for various coverage choices and risks. The cheapest discount rate is $756. Drivers who choose higher $1,000 deductibles will pay $1,130. The average rate for a driver around age 40 using $500 deductibles is $1,330. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,720. High risk drivers could be charged around $2,868. The price for full coverage insurance for a teenage driver is $4,802.

View Chart as Image