Mini Cooper Insurance Rates
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UPDATED: Jun 4, 2023
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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 auto insurance rates for a Mini Cooper are $1,256 annually with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $484, and liability coverage is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs $2,724 or more. Teen drivers receive the highest rates at up to $4,698 a year.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Cooper models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $426 for just the minimum liability insurance to the much higher price of $2,724 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than 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.
Additional Rate Analysis
The chart below details average Mini Cooper insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $717
- Raising to $1,000 deductibles will save $168 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,256
- Choosing pricier low deductibles costs an additional $328 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,724
- The cost with full coverage for a teenage driver for full coverage can cost $4,698
Auto insurance rates for a Mini Cooper can also vary considerably based on the trim level of your Cooper, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Mini Cooper insurance for high-risk drivers is expensive and can cost around 45% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $500 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $263 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mini Cooper insurance rates. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$122 | -9.7% |
| Alaska | $962 | -$294 | -23.4% |
| Arizona | $1,042 | -$214 | -17.0% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,430 | $174 | 13.9% |
| Colorado | $1,198 | -$58 | -4.6% |
| Connecticut | $1,288 | $32 | 2.5% |
| Delaware | $1,420 | $164 | 13.1% |
| Florida | $1,568 | $312 | 24.8% |
| Georgia | $1,162 | -$94 | -7.5% |
| Hawaii | $902 | -$354 | -28.2% |
| Idaho | $850 | -$406 | -32.3% |
| Illinois | $934 | -$322 | -25.6% |
| Indiana | $948 | -$308 | -24.5% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,192 | -$64 | -5.1% |
| Kentucky | $1,710 | $454 | 36.1% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $774 | -$482 | -38.4% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,002 | -$254 | -20.2% |
| Michigan | $2,180 | $924 | 73.6% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,502 | $246 | 19.6% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,346 | $90 | 7.2% |
| Nebraska | $988 | -$268 | -21.3% |
| Nevada | $1,502 | $246 | 19.6% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,404 | $148 | 11.8% |
| New Mexico | $1,110 | -$146 | -11.6% |
| New York | $1,320 | $64 | 5.1% |
| North Carolina | $722 | -$534 | -42.5% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $864 | -$392 | -31.2% |
| Oklahoma | $1,286 | $30 | 2.4% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,196 | -$60 | -4.8% |
| Rhode Island | $1,674 | $418 | 33.3% |
| South Carolina | $1,136 | -$120 | -9.6% |
| South Dakota | $1,058 | -$198 | -15.8% |
| Tennessee | $1,098 | -$158 | -12.6% |
| Texas | $1,512 | $256 | 20.4% |
| Utah | $928 | -$328 | -26.1% |
| Vermont | $856 | -$400 | -31.8% |
| Virginia | $752 | -$504 | -40.1% |
| Washington | $968 | -$288 | -22.9% |
| West Virginia | $1,150 | -$106 | -8.4% |
| Wisconsin | $868 | -$388 | -30.9% |
| Wyoming | $1,116 | -$140 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Cooper 2-Dr Hatchback | $1,168 | $97 |
| Mini Cooper S 2-Dr Hatchback | $1,244 | $104 |
| Mini Cooper 2-Dr Convertible | $1,108 | $92 |
| Mini Cooper S 2-Dr Convertible | $1,146 | $96 |
| Mini Cooper John Cooper Works 2-Dr Hatchback | $1,332 | $111 |
| Mini Cooper John Cooper Works 2-Dr Convertible | $1,258 | $105 |
Rates assume 2019 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Mini Cooper | $260 | $484 | $376 | $1,256 |
| 2014 Mini Cooper | $206 | $328 | $394 | $1,064 |
| 2013 Mini Cooper | $202 | $306 | $402 | $1,046 |
| 2011 Mini Cooper | $182 | $258 | $406 | $982 |
| 2010 Mini Cooper | $170 | $236 | $402 | $944 |
| 2009 Mini Cooper | $160 | $214 | $402 | $912 |
| 2007 Mini Cooper | $152 | $188 | $390 | $866 |
| 2006 Mini Cooper | $150 | $178 | $384 | $848 |
| 2004 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 Buy Affordable Mini Cooper Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following is a brief review of the coverage data covered in the charts and tables above.
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- Teens have the highest car insurance rates, with premiums as much as $392 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,470 more per year for Cooper insurance
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,698 |
| 20 | $2,902 |
| 30 | $1,308 |
| 40 | $1,256 |
| 50 | $1,148 |
| 60 | $1,128 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,584 |
| $250 | $1,430 |
| $500 | $1,256 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,316 |
| 100/300 | $1,389 |
| 250/500 | $1,579 |
| 100 CSL | $1,346 |
| 300 CSL | $1,506 |
| 500 CSL | $1,623 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,710 |
| 20 | $4,624 |
| 30 | $2,784 |
| 40 | $2,724 |
| 50 | $2,600 |
| 60 | $2,574 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $539 |
Discounts are estimated and may not be available from every company or in every state.
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