Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Sep 9, 2020

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.

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

  • Full coverage for a Mini Cooper averages $1,276 a year or $106 a month.
  • Liability-only coverage costs about $511 a year or $43 each month.
  • MINI Cooper insurance costs around $243 less per year than the average vehicle.

How much is car insurance for a Mini Cooper? Are Mini Coopers cheap to insure? Average insurance for a Mini Cooper costs around $1,276 a year or $106 each month for full coverage.

Owners of an older Mini may choose to get liability-only coverage which averages $511 a year or $43 each month.

Car insurance premiums vary from one person to the next. While the policy’s cost is primarily affected by an individual’s driving history and risk factors, other things influence the cost of coverage as well.

For example, coverage is more expensive in some states than others, even if the policies are identical. The type of car you drive also has a major impact on the cost of insurance.

Affordable car insurance isn’t hard to find. Make sure you get the best cheap Mini Cooper insurance. Enter your ZIP code to get FREE Mini Cooper car insurance quotesfrom multiple insurance companies.

Table of Contents

How much does it cost to insure a Mini Cooper?

Is Mini Cooper insurance expensive? If you’re looking at buying a new Mini Cooper, you might be wondering how much it will cost to insure.

Mini Cooper car insurance costs aren’t too high; the good fuel economy helps keep gas prices down, and its sturdy engineering makes maintenance costs fairly low.

Fortunately, insurance prices are low as well, which makes the Mini Cooper an overall very affordable car to own and drive.

A Mini Cooper costs, on average, about $1,250 per year to insure. This makes it quite affordable, especially when compared to other imported sub-compact cars.

The vehicle’s safety and economy helps keep premiums low, and the car attracts a fairly low-risk driver demographic when compared to high-performance muscle cars.

Of course, the overall cost of insuring a new Mini Cooper will depend on the individual getting the vehicle.

Depending on your driving history, age, gender, credit score and geographic location, your rates may be higher or lower than the average.

Rates will also vary from one insurance company to the next, and not all insurers offer the same discount programs to every customer.

You can see from the table below how one of these factors— the age of the Mini— affects your rates.

Mini Cooper Car Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal
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
Get Your Rates Quote Now

Compare RatesStart Now →

The older the vehicle, the lower the car insurance rates.

The best way to know for sure how much the vehicle will cost is to get a personalized quote from multiple insurance companies.

When you get your quote, be sure to input your information accurately and ask the insurance company about any discounts you may qualify for.

By comparison shopping for insurance before you buy your new Mini, you can pick a good insurer or decide if another vehicle might be cheaper.

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

 Secured with SHA-256 Encryption

Factors That Affect Your Mini Car Insurance Rates

If you’re looking at buying a new car, it might be a good idea to check the cost of insurance for the models you’re considering, such as the Mini Cooper Countryman. Maybe you’re a new driver and this Mini Cooper is your first car insurance.

Insurance prices should not be the only deciding factor when buying a new policy, but they should factor into your decision. Insurance is a long-term cost of car ownership similar to maintenance costs and gas mileage.

Picking a vehicle that’s cheap to insure will help keep your lifetime ownership costs low.

How are car insurance rates calculated? There are several factors that influence the cost of insuring a particular make and model of vehicle:

— The car’s replacement value; expensive cars cost more to insure. You can check your car’s vehicle at places like Kelley Blue Book.
— The cost of repairing the vehicle; foreign and luxury cars often cost more to repair.
— The car’s safety rating; safe vehicles result in cheaper claims due to causing fewer injuries.
— Any anti-theft devices installed on the vehicle.

The less likely the car is to be stolen, the less it will cost to insure it.

Mini Cooper Features

The Mini Cooper, an economy car from British car maker BMC, is a sleek and stylish subcompact car. Many people compare it to the Volkswagen Golf and Fiat 500, and the car is both fuel friendly and fun to drive.

Though it doesn’t have much interior space, the Mini Cooper is very affordable and extremely popular with singles, couples and families who want a small secondary car or don’t mind the cramped rear quarters.

In terms of cost, the Mini Cooper is very affordable, which will help keep both repair and replacement costs fairly low.

On the other hand, the vehicle is foreign, which can make getting maintenance and repairs done somewhat more difficult. Parts may need to be ordered from the overseas manufacturer, which increases the cost of repairs and does have an affect on insurance costs.

The Mini Cooper comes with multiple standard safety features including front and rear airbags, anti-lock brakes and four wheel stability control.

The car’s size and low center of gravity make it fairly resistant to roll-overs, but it is lightweight and may not hold up as well to major collisions.

It’s also fitted with an anti-theft alarm system. You can further reduce your car’s chances of being stolen by adding an after-market anti-theft device like a GPS tracker or manual device like The Club. Mini Coopers are a lower risk of theft than domestic and Japanese-made cars, but it’s never a bad idea to protect your vehicle.

The overall safety rating for the 2012 Mini Cooper is eight out of 10 based on combined results from the IIHS and NHTSA.

This video from the IIHS shows a side crash test for a 2016 Mini Cooper, which received a Good rating.

In most categories, it ranks between “acceptable” and “good,” with no major flaws in any category.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

How much is a Mini Cooper?

Are you looking to buy Mini Cooper car insurance? The average cost of a Mini Cooper of course varies, but the average 2019 Mini Hardtop was $22,900, and older vehicles depreciate each year.

If you’re looking for affordable Mini Cooper car insurance, enter your ZIP code to get FREE quotes from multiple insurers for your Mini Cooper auto insurance. Find the best Mini Cooper car insurance company for you now.