How much does Mini Cooper insurance cost?

Mini Cooper car insurance is $110 a month on average. However, your Mini Cooper auto insurance rates may be more affordable. Multiple factors determine whether cheap Mini Cooper car insurance quotes are available to you. Shop around and compare multiple companies to secure the best deal for Mini Cooper car insurance.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 14, 2021

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The Rundown

  • You could pay as low as $110 a month for Mini Cooper car insurance
  • Mini Cooper car insurance rates are usually $148/month in large cities
  • Young drivers may have Mini Cooper insurance rates that are $400 a month

Do you want to buy Mini Cooper car insurance? Mini Cooper car insurance rates are less than $150 on average, but your rates could vary.

So how can you get cheap Mini Cooper car insurance quotes? Don’t worry – we’ll explain how to get affordable Mini Cooper auto insurance.

Read this guide to learn about the average cost to insure a Mini Cooper, how various factors impact Mini Cooper auto insurance rates, and why crash ratings affect the cost.

See Mini Cooper auto insurance quotes for you right now. Just enter your ZIP code in the free comparison tool above to compare multiple insurance companies near you.

How much does Mini Cooper car insurance cost?

The average Mini Cooper auto insurance rate is $110 per month. However, several factors determine whether affordable Mini Cooper car insurance is available to you.

According to the National Association of Insurance Commissioners (NAIC), the national average for full coverage auto insurance is $90 a month.

However, the average for a Mini Cooper is $20 more expensive. That’s because various factors affect auto insurance costs.

Here are a few factors that determine the cost of your Mini Cooper insurance.

  • Age
  • Coverage level
  • Deductible
  • Vehicle model and trim
  • Vehicle model year
  • Location

Each characteristic has a different effect on Mini Cooper auto insurance. Also, the Mini Cooper price tag is a determining factor.

How much is Mini Cooper car insurance compared to the national average?

Before we show how various factors impact Mini Cooper auto insurance, let’s look at how Mini Cooper auto insurance rates compare to the national average.

Comparing the Industry Average Rates to Mini Cooper Car Insurance Rates
CoveragesNAIC Monthly RatesMini Cooper Monthly Rates
Liability$48$27
Collision$29$45
Comprehensive$13$26
Full Coverage$90$110
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Liability car insurance is usually more expensive than collision. However, Mini Cooper collision car insurance rates are more expensive.

How does age affect Mini Cooper car insurance rates?

Age is one of the most significant factors when determining the cost of your insurance.

Check out the list below to see how age impacts Mini Cooper auto insurance rates.

Mini Cooper Car Insurance Rates by Age
Driver AgeMonthly Rates
16$398
20$252
30$115
40$110
50$100
60$98
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Young drivers, such as teens and young adults, have a higher risk of filing claims. Meanwhile, drivers 30 and older have a lower risk.

Does coverage level affect Mini Cooper car insurance rates?

Yes, it does.

The minimum car insurance requirements mean the cheapest rates, but you’ll risk not having enough if you get into an accident.

It’s recommended that you buy a higher coverage level. But how much are Mini Cooper prices when you raise the coverage limit?

Let’s examine sample monthly Mini Cooper rates based on coverage level.

Mini Cooper Car Insurance Rates by Coverage Level
Coverage LevelsMonthly Rates
Low (30/60/30)$110
Medium-Low (50/100/50)$116
Medium-High (100/300/100)$122
High (250/500/250)$136
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The higher the coverage level, the more you’ll pay for Mini Cooper car insurance.

Can deductibles affect Mini Cooper car insurance?

Yes, it can. Deductibles are the amount you are responsible before the company pays the claim.

So how do deductibles impact Mini Cooper auto insurance? Let’s review.

Mini Cooper Car Insurance Rates by Deductibles
DeductiblesMonthly Rates
$100$141
$250$126
$500$110
$1,000$94
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Higher deductibles lower Mini Cooper car insurance rates, but low deductibles can drive up insurance rates.

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How do the vehicle trim level and model year affect Mini Cooper car insurance?

The Mini Cooper S economy car and Mini Cooper electric car have different auto insurance rates. Each Mini Cooper design, model, and trim level has unique features.

Various features equipped to specific Mini Coopers determine both the price and auto insurance rates.

How much is Mini Cooper car insurance based on trim level?

Mini Cooper trim levels affect auto insurance rates. Let’s examine the average monthly Mini Cooper insurance rates based on trim level.

Mini Cooper Car Insurance Rates by Trim Level
Model and TrimMonthly Rates
Mini Cooper 2-Dr Convertible$98
Mini Cooper S 2-Dr Convertible$101
Mini Cooper 2-Dr Hatchback$102
Mini Cooper S 2-Dr Hatchback$109
Mini Cooper John Cooper Works 2-Dr Convertible$112
Mini Cooper John Cooper Works 2-Dr Hatchback$117
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Mini Cooper Convertibles are less expensive, but Mini Cooper hatchbacks are slightly more costly per month.

How much is Mini Cooper car insurance based on model year?

Your Mini Cooper auto insurance quotes may look different for various model years. The latest model year vehicles are usually more expensive. But what about older Mini Cooper model years?

Here’s an example of how Mini Cooper car insurance rates change by model year.

Mini Cooper Car Insurance Rates by Model Years
Mini Cooper Cars by Model YearMonthly Comprehensive RatesMonthly Collision RatesMonthly Liability RatesMonthly Full Coverage Rates
2020 Mini Cooper$26$45$28$110
2019 Mini Cooper$25$45$28$109
2018 Mini Cooper$24$44$30$108
2017 Mini Cooper$23$42$30$106
2016 Mini Cooper$22$40$31$105
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The older Mini Coopers are typically more affordable, but the latest Mini Cooper costs more.

Also, the latest model year has a more expensive manufacturer’s suggested retail price (MSRP). The higher the value of a vehicle, the more it’ll cost to insure.

How much is Mini Cooper car insurance in different states?

Where you live also affects what you pay for insurance. Your Mini Cooper car insurance quotes vary based on the state where you live.

Here’s a list of sample rates by state.

Mini Cooper Car Insurance Rates by State
StatesMonthly RatesCompared to U.S. AveragePercent Difference
Alabama$99-$11-9.70%
Alaska$84-$26-23.40%
Arizona$91-$19-17.30%
Arkansas$110$00.00%
California$125$1513.80%
Colorado$104-$5-4.90%
Connecticut$113$32.60%
Delaware$124$1412.80%
Florida$137$2724.80%
Georgia$101-$8-7.60%
Hawaii$79-$31-28.30%
Idaho$74-$36-32.40%
Illinois$82-$28-25.70%
Indiana$83-$27-24.60%
Iowa$74-$36-32.50%
Kansas$104-$6-5.20%
Kentucky$149$4036.20%
Louisiana$162$5347.90%
Maine$68-$42-38.30%
Maryland$91-$19-17.50%
Massachusetts$87-$22-20.40%
Michigan$190$8173.40%
Minnesota$92-$18-16.40%
Mississippi$131$2219.60%
Missouri$97-$13-11.40%
Montana$118$87.30%
Nebraska$86-$23-21.30%
Nevada$131$2219.80%
New Hampshire$79-$31-28.10%
New Jersey$122$1311.60%
New Mexico$97-$13-11.60%
New York$115$65.00%
North Carolina$63-$47-42.60%
North Dakota$90-$20-18.20%
Ohio$76-$34-31.20%
Oklahoma$112$32.40%
Oregon$100-$9-8.50%
Pennsylvania$104-$5-4.90%
Rhode Island$146$3633.10%
South Carolina$99-$10-9.40%
South Dakota$92-$17-15.80%
Tennessee$96-$14-12.60%
Texas$132$2320.50%
Utah$81-$29-26.10%
Vermont$75-$35-31.80%
Virginia$66-$44-40.30%
Washington$85-$25-22.90%
West Virginia$101-$9-8.40%
Wisconsin$76-$34-31.00%
Industry Average$110$00.00%
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Some states have monthly rates that are much lower than the $110 average. Michigan, Mississippi, Rhode Island, and Nevada are some of the most expensive states for drivers with a Mini Cooper.

What is the cheapest company for Mini Cooper car insurance?

The company where you buy Mini Cooper auto insurance also affects your monthly rates.

Let’s look at the best insurance companies for Mini Cooper car insurance.

Mini Cooper Car Insurance Rates by Company
Cheapest Insurance CompaniesMonthly Rates
Allied$64
Nationwide$91
Vermont Mutual$98
USAA$103
State Farm$115
Tennessee Farmers$116
Country$119
GEICO$119
Mercury$122
Arbella$123
American Family$124
Progressive$127
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Allied, Nationwide, and Vermont Mutual are the cheapest for Mini Coopers. Meanwhile, American Family and Progressive rank as the most expensive.

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How do you save money on Mini Cooper car insurance?

The keys to saving money on your auto insurance is qualifying for discounts.

You’ll see cheaper rates the more discount you can add to your policy.

Here’s a look at how much you can save on Mini Cooper insurance per year.

Common Car Insurance Discounts
DiscountsSavings per Year
Multi-policy$71
Multi-vehicle$68
Homeowner$18
5-yr Accident Free$100
5-yr Claim Free$85
Paid in Full/EFT$63
Advance Quote$66
Online Quote$94
Total Discounts$565
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If you have good credit and a clean driving record, you can save at least 30% more on Mini Cooper auto insurance.

Can federal safety ratings impact Mini Cooper car insurance?

Yes, they can. Safety ratings show how safe a vehicle is in a collision. So what are the latest ratings for the Mini Cooper? Let’s review.

  • Overall Rating – ★★★★☆
  • Front Crash – ★★★★☆
  • Side Crash – ★★★★☆
  • Rollover – ★★★★☆

The Mini Cooper is a small vehicle, but the latest National Highway Traffic Safety Administration (NHTSA) ratings show near-perfect ratings.

Mini Cooper Car Insurance: The Bottom Line

Mini Cooper auto insurance is about $20 more expensive than the national average. However, there are ways to get lower rates.

To get the lowest Mini Cooper insurance rates, you’ll need to qualify for multiple car insurance discounts. Shopping around is also key to saving.

Now that you know more about Mini Cooper car insurance use our free online quote tool to shop around at the best insurance companies in your area.

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