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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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
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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

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
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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
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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
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