Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Jun 18, 2020

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Key takeaways:

  • Full coverage costs around $1,416 a year or $118 each month
  • A liability-only policy costs around $568 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,175 a year or $431 each month
  • Good drivers can save as much as $584 a year by earning policy discounts
  • MINI Hardtop 4 Door insurance costs around $103 less per year than the average vehicle

MINI Hardtop 4 Door insurance rates are $118 per month for full coverage and $47 per month for liability-only coverage. Read through this guide to see how you can save on MINI Hardtop 4 Door insurance rates.

You can start comparing quotes for MINI Hardtop 4 Door auto insurance rates from some of the best auto insurance companies by using our free online tool now.

MINI Hardtop 4 Door Insurance Cost

The average MINI Hardtop 4 Door auto insurance rates are $1,416 a year or $118 a month.

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Are MINI Hardtop 4 Doors Expensive to Insure?

The chart below details how MINI Hardtop 4 Door insurance rates compare to other sedans like the Honda Accord, Hyundai Sonata, and Cadillac CTS.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 4 Door $294 $566 $398 $1,416
Honda Accord $280 $500 $372 $1,310
Hyundai Sonata $294 $532 $420 $1,426
Cadillac CTS $320 $626 $398 $1,502
Subaru WRX $320 $566 $338 $1,360
Mazda 3 $308 $562 $372 $1,400
Kia Optima $322 $532 $420 $1,454
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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 4 Door Insurance?

The MINI Hardtop 4 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 4 Door insurance coverage.

Age of the Vehicle

Older MINI Hardtop 4 Door models generally cost less to insure. For example, auto insurance for a 2018 MINI Hardtop 4 Door costs $1,416, while 2017 MINI Hardtop 4 Door insurance costs are $1,410, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 4 Door $294 $566 $398 $1,416
2017 MINI Hardtop 4 Door $284 $552 $416 $1,410
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Driver Age

Driver age can have a significant impact on the cost of MINI Hardtop 4 Door auto insurance. For example, 20-year-old drivers pay approximately $1,732 each year for their MINI Hardtop 4 Door auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in New York may pay $368 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of MINI Hardtop 4 Door auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 4 Door auto insurance rates with violations on their driving record.

MINI Hardtop 4 Door Safety Ratings

The MINI Hardtop 4 Door’s safety ratings will affect your MINI Hardtop 4 Door auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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MINI Hardtop 4 Door Crash Test Ratings

The crash test ratings of the MINI Hardtop 4 Door can impact your MINI Hardtop 4 Door auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 4 Door 3 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 Hardtop 4 Door Safety Features

Having a variety of safety features on your MINI Hardtop 4 Door can help lower your MINI Hardtop 4 Door insurance costs. The MINI Hardtop 4 Door’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Rear Park Distance Control Rear Parking Sensors
  • Automatic Emergency Braking
  • Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point and Pretensioners
  • Back-Up Camera

MINI Hardtop 4 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 4 Door, you will pay more if you purchase MINI Hardtop 4 Door auto insurance at the dealership, so be sure to shop around and compare MINI Hardtop 4 Door auto insurance quotes from the best companies using our FREE tool below.

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

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5 Ways to Save on MINI Hardtop 4 Door Insurance

Drivers can end up saving more money on their MINI Hardtop 4 Door auto insurance rates by employing any one of the following strategies.

  • Carpool to Work Instead of Driving Your MINI Hardtop 4 Door
  • Understand the Different Types of Auto Insurance for Your MINI Hardtop 4 Door
  • Ask for a Higher Deductible for Your MINI Hardtop 4 Door Auto Insurance Policy
  • Buy a Dashcam for Your MINI Hardtop 4 Door
  • Ask About Loyalty Discounts

Top MINI Hardtop 4 Door Insurance Companies

The best auto insurance companies for MINI Hardtop 4 Door auto insurance rates will offer competitive rates, discounts, and account for the MINI Hardtop 4 Door’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

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 Hardtop 4 Door Insurance Quotes Online

You can start comparing quotes for MINI Hardtop 4 Door auto insurance rates from some of the best auto insurance companies by using our free online tool now.