Cheap MINI Auto Insurance (2024)

MINI auto insurance rates cost around $132 for full coverage, or $37 for a liability auto insurance policy. However, the top MINI car insurance companies consider vehicle type and other factors when setting rates.

For example, companies will consider your MINI’s value, susceptibility to theft, and crash ratings. So, that’s good news when looking for MINI auto insurance quotes.

Although you’ll probably pay less for MINI car insurance, researching your options can help you find cheap auto insurance. Read on to learn where to find the cheapest MINI auto insurance rates and see how much car insurance costs for a MINI. Then, enter your ZIP code above to compare the best auto insurance quotes for MINIs with the top companies to find the best price for you.

MINI Auto Insurance Coverage Options

No matter what car you own, you must meet your state’s minimum auto insurance requirements for liability coverage. Consisting of bodily injury liability and property damage liability, liability insurance pays for other parties’ accident bills if you cause an accident.

In addition, your state may also require you to carry insurance coverages like personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist insurance.

If you have a lease or loan on your MINI, your lender will require you to carry collision auto insurance and comprehensive auto insurance. Collision auto insurance for a MINI will pay for your car’s repairs if you crash into another vehicle or object. In contrast, comprehensive insurance will pay for repairs if you crash into an animal or your MINI gets damaged by weather, vandalism, or falling objects.

Therefore, even if you aren’t required to carry collision or comprehensive insurance, we recommend carrying these coverages to protect you better on the road. You may want to consider other coverages your insurance company may offer to round out your auto insurance policy, including:

• Gap insurance
• Modified car insurance
• New car replacement insurance
• Rental car reimbursement insurance
• Rideshare insurance
• Roadside assistance coverage
• Umbrella Insurance

Make sure to consider your specific needs when shopping for car insurance. For example, if your car isn’t prone to breaking down and you are fine paying out of pocket in an emergency breakdown, you won’t want to pay extra monthly for roadside assistance insurance.

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Auto Insurance Rates for MINIs

There are various factors that affect auto insurance rates for MINIs, such as your choice of insurance company, your driving record, and your model of MINI. We’ll go over all these factors below.

MINI Auto Insurance Rates by Company

Choosing a company that is cheaper on average will help you save, regardless of what car you drive. Take a look at the table below to see what some of the cheaper companies on the market are for car insurance policies.

For most drivers, cheaper companies include Geico, State Farm, and USAA. However, USAA is only for military members and veterans, so even though it’s one of the cheapest companies on the market, it only sells to a limited pool of drivers.

Read More:

• USAA Auto Insurance Review
• State Farm Auto Insurance Review
• Geico Auto Insurance Review

If you don’t qualify for USAA, we recommend getting quotes from different auto insurance companies for your MINI, starting with the companies with the cheapest averages. Comparing quotes will help you find the cheapest company for you based on your personalized driving profile and coverage needs.

MINI Auto Insurance Rates by Model

The model of the MINI you own is another factor affecting your cost to insure a MINI. An older model with a low value won’t cost as much to insure as a brand-new MINI. More expensive models will also cost more to insure, as insurance companies must pay more for repair parts or a replacement vehicle if yours gets totaled.

A MINI hardtop four-door model costs slightly more to insure than the other models of MINI. However, a MINI convertible, the cheapest model to insure on our list, costs about $20 less on average a month to insure than the MINI hardtop four-door.

Of course, other factors go into determining your rates beyond just the model MINI you have. For example, your age and driving record will also affect your rates.

High-risk drivers, including those with at-fault accidents, traffic tickets, or DUIs, will pay more for insurance for a MINI than drivers with clean records. Younger drivers will also pay more, as insurance companies view them as high risk due to their experience, which makes them more likely to crash and file an auto insurance claim. Learn more about high-risk auto insurance.

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If younger drivers keep a clean driving record, though, they will see their MINI auto insurance rates drop in their 20s and 30s. Rates will also decrease again when drivers retire, as their annual mileage goes down once they no longer commute to and from work. Read more about auto insurance for young adults.

Ways to Save on MINI Auto Insurance Coverage

If you’ve shopped around for auto insurance rates for your MINI and still want to reduce your rates further, there are a few other things you can try.

• Apply for discounts. Not all auto insurance discounts automatically apply to your auto insurance policy, so there may be discounts you can apply for to reduce your auto insurance rates, such as a good student discount.
• Bundle your insurance policies. If an insurance company sells more than one type of auto insurance, there’s a good chance it offers a bundling discount if you purchase more than one type of insurance, such as condo and auto insurance. Read more about how to save money by bundling insurance policies.
• Carry minimum liability auto insurance if your MINI is older. Suppose your MINI’s value significantly depreciates. In that case, you may want to carry only minimum liability insurance if you wouldn’t face a significant financial loss if your MINI gets damaged or totaled.
• Raise your deductible. You can also raise auto insurance deductibles to reduce your rates. However, never raise it beyond an amount you can’t pay out of pocket after an accident.

Maintaining a clean driving record will also help keep your auto insurance rates low since you’re proving that you’re a low-risk driver less likely to file a claim at your auto insurance company.

MINI Auto Insurance: Find the Best and Cheapest Policy Today

Finding the best auto insurance for your MINI requires a bit of groundwork, as getting quotes and comparing auto insurance rates is the best way to find savings. You can also apply for MINI insurance discounts, bundle insurance coverages, raise your deductible, and more.

If you want to quickly and easily find the best auto insurance rate for your MINI, enter your ZIP code into our free quote comparison tool below. It will compare MINI auto insurance costs from top companies in your area to help you find the best rate and coverage for your needs.

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