Best MINI Cooper Insurance Rates [List of Money Saving Tips]

The cost of MINI Cooper auto insurance rates are $1,276 a year, or around $106 a month on average. Finding MINI Cooper teenager insurance coverage can cost on average $4,664 a year, so shop around to find cheap rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 17, 2021

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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 $106 per month for full coverage and $43 per month for liability-only coverage. The MINI Cooper has auto insurance rates of $243 less than the average vehicle. Continue through this guide to learn more about MINI Cooper insurance rates.

You can start comparing quotes for MINI Cooper auto insurance rates from some of the best auto insurance companies by using our free online tool now.

MINI Cooper Insurance Cost

The average MINI Cooper auto insurance costs 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, Lexus GS 300, and Cadillac CTS-V.

Vehicle Comprehensive Collision Liability Total
Audi A6 $382 $744 $398 $1,682
Lexus GS 300 $344 $656 $338 $1,474
Cadillac CTS-V $406 $804 $338 $1,684
Lexus IS 350 $344 $686 $398 $1,586
Audi S6 $444 $894 $398 $1,894
Volvo S90 $356 $714 $398 $1,626
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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

Older MINI Cooper models generally cost less to insure. For example, auto insurance rates for a 2016 MINI Cooper are $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
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Driver Age

Driver age can have a significant impact on MINI Cooper auto insurance rates. For instance, a 30-year-old driver may pay $56 more each year for MINI Cooper auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in Los Angeles may pay $1,097 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 with violations on their driving record.

MINI Cooper Safety Ratings

Your MINI Cooper auto insurance rates are influenced by the MINI Cooper’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side N/A
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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MINI Cooper Crash Test Ratings

MINI Cooper crash test ratings can impact the cost of your MINI Cooper auto insurance. See MINI Cooper crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Cooper 4 stars 4 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Cooper Safety Features

Most drivers don’t realize that not only do MINI Cooper safety features play a vital role in keeping passengers safe in crashes, but they can also help lower MINI Cooper auto insurance rates. 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, you will pay more if you purchase MINI Cooper auto insurance at the dealership, so be sure to shop around and compare MINI Cooper car insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on MINI Cooper Insurance

There are many ways that you can save on MINI Cooper auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your MINI Cooper auto insurance rates low.

  • Improve Your Credit Score
  • Bundle Your MINI Cooper Auto Insurance with Home Insurance
  • Make Sure You’re Raising a Safe Driver
  • Take Advantage of Referral Fees
  • Ask About Loyalty Discounts to lower MINI Cooper insurance rates

Top MINI Cooper Insurance Companies

Who is the top auto insurance 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 auto 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
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Compare Free MINI Cooper Insurance Quotes Online

You can start comparing quotes for MINI Cooper auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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