Compare MINI Cooper Insurance Rates [How to Find Low Rates Online]
Average MINI Cooper insurance rates are $106 per month, but you can find cheap MINI Cooper insurance quotes when you comparison shop online. Your driving record and where you live will impact your MINI Cooper insurance costs. Enter your ZIP code below to find the lowest rates for MINI Cooper insurance coverage.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 2020
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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 Coopers are fun to drive, but comparing MINI Cooper insurance rates can be a drag. That’s OK. We’re going to make it easy for you. A liability-only MINI Cooper policy costs around $511 a year or $43 each month. And good drivers can save as much as $526 a year by earning policy discounts. We’ll cover other factors to consider, like the age of your MINI Cooper, your driving record, and crash test ratings below.
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.
Table of Contents
MINI Cooper Insurance Cost
The average MINI Cooper car 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 Volvo S60, Cadillac CTS-V and Infiniti Q70.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Volvo S60 | $332 | $656 | $398 | $1,544 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
| Mercedes-Benz C300 | $404 | $718 | $372 | $1,652 |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
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 car insurance rates are higher for newer models. For example, car insurance for a 2016 MINI Cooper costs $1,276, while 2010 MINI Cooper insurance costs 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 impact on MINI Cooper auto insurance rates. For example, 20-year-old drivers pay approximately $1,561 more each year for their MINI Cooper auto insurance than 30-year-old drivers.
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 your MINI Cooper auto insurance rates. Teens and drivers in their 20’s see the highest jump in their MINI Cooper car insurance 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 | G |
|---|---|
| Small overlap front: passenger-side | G |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
MINI Cooper Crash Test Ratings
Not only do good MINI Cooper crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper MINI Cooper auto insurance rates.
| Federal Government Crash Test Ratings | 2014 | 2015 | 2016 |
| Overall Rating | 4 | 4 | 4 |
|---|---|---|---|
| Frontal Crash | 4 | 4 | 4 |
| Side Crash | 4 | 4 | 4 |
| Rollover | 4 | 4 | 4 |
| Source: National Highway Traffic Safety Administration | |||
MINI Cooper Safety Features
MINI Cooper safety features can lower the cost of your insurance. The safety features for the MINI Cooper include:
- Anti-lock brakes
- Stability control
- Front-impact airbags
- Side impact airbags
- Overhead airbags
- Pretensioners
- Security system
MINI Cooper Finance and Insurance Cost
If you are financing a MINI Cooper, you will pay more if you purchase MINI Cooper car 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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Ways to Save on MINI Cooper Insurance
If you want to reduce the cost of your MINI Cooper insurance rates, follow these tips below:
- Remove Unnecessary Things from your MINI Cooper Insurance Policy
- Don’t Always Pick the Cheapest MINI Cooper Insurance Policy
- Don’t Skimp On MINI Cooper Liability Coverage
Top MINI Cooper Insurance Companies
Several top car insurance companies offer competitive rates for the MINI Cooper rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with MINI Cooper drivers organized by 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: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings | |||
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