MINI Hardtop 2 Door Insurance Rates [Comprehensive Guide]

If you want to buy affordable MINI Hardtop 2 Door insurance coverage then you should know that a policy will cost $108 per month ($1,292 per year) on average. Finding MINI Hardtop 2 Door teenager insurance coverage can cost on average $4,722 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: Jul 16, 2020

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Key takeaways:

  • Full coverage costs around $1,292 a year or $108 each month
  • A liability-only policy costs around $518 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,722 a year or $394 each month
  • Good drivers can save as much as $533 a year by earning policy discounts
  • MINI Hardtop 2 Door insurance costs around $227 less per year than the average vehicle

MINI Hardtop 2 Door insurance rates are around $227 a year less than the average vehicle. Full coverage costs about $1,292 a year or $108 a month. Good drivers can save up to $533 a year by practicing safe driving habits. Let’s take a closer look at MINI Hardtop 2 Door insurance rates, safety features, and more.

You can start comparing quotes for MINI Hardtop 2 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 2 Door Insurance Cost

The average MINI Hardtop 2 Door auto insurance rates are $1,292 a year or $108 a month.

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Are MINI Hardtop 2 Doors Expensive to Insure?

The chart below details how MINI Hardtop 2 Door insurance rates compare to other coupes like the Mercedes-Benz CLA 250, Audi TT, and Nissan 370Z.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Audi TT $382 $714 $398 $1,652
Nissan 370Z $332 $714 $450 $1,676
Dodge Challenger $404 $688 $420 $1,692
Cadillac ATS Coupe $344 $686 $398 $1,586
Audi S5 $394 $864 $398 $1,814
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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 Hardtop 2 Door Insurance?

The MINI Hardtop 2 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 2 Door car insurance coverage.

Age of the Vehicle

The average MINI Hardtop 2 Door car insurance rates are higher for newer models. For example, car insurance for a 2018 MINI Hardtop 2 Door costs $1,292, while 2017 MINI Hardtop 2 Door insurance costs are $1,286, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 2 Door $282 $536 $338 $1,292
2017 MINI Hardtop 2 Door $272 $524 $354 $1,286
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Driver Age

Driver age can have a significant effect on MINI Hardtop 2 Door car insurance rates. For example, 30-year-old drivers pay $57 more for MINI Hardtop 2 Door car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 2 Door insurance rates. For example, drivers in Phoenix may pay $710 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your MINI Hardtop 2 Door car insurance rates. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 2 Door car insurance with violations on their driving record.

MINI Hardtop 2 Door Safety Ratings

Your MINI Hardtop 2 Door car insurance rates are tied to the safety ratings of the MINI Hardtop 2 Door. 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
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MINI Hardtop 2 Door Crash Test Ratings

Not only do good MINI Hardtop 2 Door crash test ratings mean you are better protected in a crash, but good MINI Hardtop 2 Door crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 2 Door 4 4 4 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Hardtop 2 Door Safety Features

The MINI Hardtop 2 Door safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your MINI Hardtop 2 Door auto insurance rates. The MINI Hardtop 2 Door’s safety features include:

  • Rear parking sensors
  • Forward collision warning
  • Automatic emergency braking
  • Automatic high-beam headlights
  • Rearview camera

MINI Hardtop 2 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2 Door, most lenders will require your carry higher MINI Hardtop 2 Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 2 Door car insurance rates from the best companies using our FREE tool below.

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Ways to Save on MINI Hardtop 2 Door Insurance

There are many ways that you can save on MINI Hardtop 2 Door car insurance. Below are five actions you can take to find cheap MINI Hardtop 2 Door auto insurance rates.

  • Buy a Dashcam for Your MINI Hardtop 2 Door
  • Remove Unnecessary Insurance Once Your MINI Hardtop 2 Door is Paid Off
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About MINI Hardtop 2 Door Discounts If You Were Listed on Someone Else’s Policy
  • Buy a MINI Hardtop 2 Door with an Anti-Theft Device

Top MINI Hardtop 2 Door Insurance Companies

Who is the best company for MINI Hardtop 2 Door insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Hardtop 2 Door insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Hardtop 2 Door 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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