Best MINI Cooper Car Insurance Quotes (2024)
MINI Cooper auto insurance rates average at $106 a month. Compare rates with this guide so you can find the cheapest MINI Cooper auto insurance quotes in your area. Remember that the age of your vehicle and your age will influence you MINI Cooper car insurance costs.
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Ty Stewart
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,276 a year or $106 each month
- A liability-only policy costs around $511 a year or $43 each month
- Highest rates are for teenage drivers at around $4,664 a year or $389 each month
- Good drivers can save as much as $526 a year by earning policy discounts
- MINI Cooper insurance costs around $243 less per year than the average vehicle
MINI Cooper insurance rates are about $243 less per year than the average vehicle, with full coverage for your MINI costing about $1,276 a year or $106 a month. Older MINIs may get away with liability-only coverage, which averages $511 a year or $43 a month. Good drivers can save up to $526 a year with eligible discounts. Let’s look at MINI Cooper insurance rates, safety features, and more.
You can start comparing quotes for MINI Cooper car insurance rates from some of the best car insurance companies by using our free online tool now.
MINI Cooper Insurance Cost
The average MINI Cooper auto insurance rates are $1,276 a year or $106 a month.
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Are MINI Coopers Expensive to Insure?
The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Audi A6, Acura TLX, and Audi S8.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Audi S8 | $658 | $1,368 | $398 | $2,582 |
| Audi S6 | $444 | $894 | $398 | $1,894 |
| Audi S7 | $532 | $1,250 | $398 | $2,338 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
However, there are a few things you can do to find the cheapest MINI insurance rates online.
What Impacts the Cost of MINI Cooper Insurance?
The MINI Cooper trim and model you choose can impact the total price you will pay for MINI Cooper insurance coverage.
Age of the Vehicle
The average MINI Cooper auto insurance rates are higher for newer models. For example, auto insurance rates for a 2016 MINI Cooper cost $1,276, while 2010 MINI Cooper rates are $1,064, a difference of $212.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2016 MINI Cooper | $274 | $502 | $364 | $1,276 |
| 2015 MINI Cooper | $260 | $484 | $376 | $1,256 |
| 2014 MINI Cooper | $250 | $450 | $384 | $1,220 |
| 2013 MINI Cooper | $240 | $424 | $388 | $1,188 |
| 2012 MINI Cooper | $230 | $380 | $390 | $1,136 |
| 2011 MINI Cooper | $214 | $350 | $390 | $1,090 |
| 2010 MINI Cooper | $206 | $328 | $394 | $1,064 |
Driver Age
Driver age can have a significant effect on the cost of MINI Cooper car insurance. For example, a 20-year-old driver could pay around $130 more each month for their MINI Cooper car insurance than 30-year-old driver.
Driver Location
Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in Jacksonville may pay $765 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of MINI Cooper auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Cooper auto insurance rates with violations on their driving record.
MINI Cooper Safety Ratings
Your MINI Cooper car insurance rates are tied to the safety ratings of the MINI Cooper. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
MINI Cooper Crash Test Ratings
Good MINI Cooper crash test ratings can lower your MINI Cooper auto insurance rates. See MINI Cooper crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| MINI Cooper | 4 | 4 | 4 | 4 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
MINI Cooper Safety Features
The more safety features you have on your MINI Cooper, the more likely it is that you can earn a discount. The MINI Cooper’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Traction Control
- Auto-Leveling Headlights
MINI Cooper Finance and Insurance Cost
If you are financing a MINI Cooper, most lenders will require your carry higher MINI Cooper coverages including comprehensive coverage, so be sure to compare MINI Cooper car insurance rates from the best companies using our FREE tool below.
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Ways to Save on MINI Cooper Insurance
You can save more money on your MINI Cooper auto insurance rates by employing any of the following five strategies.
- Buy An Older MINI Cooper
- Ask About Student Discounts
- Ask About Loyalty Discounts
- Reduce Modifications on Your MINI Cooper
- Ask About Farm and Ranch Vehicle Discounts
Top MINI Cooper Insurance Companies
Who is the best company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free MINI Cooper Insurance Quotes Online
You can start comparing quotes for MINI Cooper insurance from some of the top car insurance companies by using our free online tool today.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What factors affect the cost of insurance for a MINI Cooper?
The cost of insurance for a MINI Cooper can be influenced by several factors, including the driver’s age, driving history, location, and the specific model and trim level of the MINI Cooper.
Are there any discounts available for MINI Cooper insurance?
Yes, many insurance companies offer discounts for features that come standard on the MINI Cooper, such as anti-lock brakes, traction control, and airbags. Additionally, if the driver has a good driving record, has completed a defensive driving course, or has multiple policies with the same insurance company, they may qualify for additional discounts.
What types of coverage are recommended for MINI Cooper owners?
It is generally recommended that MINI Cooper owners have liability coverage, which covers damage or injury to others if the driver is at fault in an accident. Collision coverage, which covers damage to the MINI Cooper in the event of an accident, and comprehensive coverage, which covers damage from non-collision incidents such as theft or weather damage, may also be recommended.
How can I find the best insurance quotes for my MINI Cooper?
To find the best insurance quotes for your MINI Cooper, it is recommended that you shop around and compare quotes from multiple insurance companies. You can also consider working with an independent insurance agent, who can help you find the best coverage options and rates for your specific needs.
How can I find the best insurance quotes for my MINI Cooper?
To find the best insurance quotes for your MINI Cooper, it is recommended that you shop around and compare quotes from multiple insurance companies. You can also consider working with an independent insurance agent, who can help you find the best coverage options and rates for your specific needs.
What types of coverage are recommended for MINI Cooper owners?
It is generally recommended that MINI Cooper owners have liability coverage, which covers damage or injury to others if the driver is at fault in an accident. Collision coverage, which covers damage to the MINI Cooper in the event of an accident, and comprehensive coverage, which covers damage from non-collision incidents such as theft or weather damage, may also be recommended.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.