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...

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: May 4, 2022

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. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 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

Driver’s looking for an affordable price tag on car insurance for a Mini Cooper may be surprised to find it’s not that difficult. Average insurance for a Mini Cooper costs around $1,276 a year or $106 each month for full coverage.

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

Mini Cooper car insurance rates 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.

For example, coverage is more expensive in some states than in others, even if the policies are identical. The make and model year also has a significant impact on the cost of insurance. Your Mini Cooper auto insurance rates are determined by several factors such as your car’s model year, your age, driving record, and more.

How much is insurance on a Mini Cooper?

If you’re a driver looking at buying a new Mini Cooper, you might be wondering how much it will cost to insure. The good news is that Mini Cooper auto insurance costs aren’t too high. The excellent fuel economy helps keep gas prices down, and its sturdy engineering makes maintenance costs fairly low.

Fortunately, insurance prices are low, making 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 help keep premiums low, and the car attracts a fairly low-risk driver demographic 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. Mini Cooper auto insurance rates will also vary from one insurance company to the next, and not all insurers offer the same discount programs to every customer.

From the table below, you can see 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 how much the vehicle will cost is to get a personalized quote from multiple insurance companies. As mentioned above, the standard rate for drivers will vary, depending on a number of factors. If you’re worried that you’re seeing wildly varying amounts when you’re getting quotes, make sure that you’re looking at the same policy across each company.

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

secured lock Secured with SHA-256 Encryption

How do you get an accurate Mini Cooper car insurance quote?

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

Entering the Mini Cooper’s VIN can get you a more personalized car insurance quote.

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, or if the extra cost will be worth it to have your dream car.

Are Mini Coopers expensive to insure?

If you’re looking at buying a new car, it might be a good idea to check the insurance cost for the models you’re considering, such as the Mini Cooper Countryman. The insurance cost for a Mini Cooper will depend on the model as well as your personal details.

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? Several factors influence the cost of insuring a particular make and model of vehicle:

  • The car’s replacement value: Expensive vehicles 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: Having a safer vehicle means it isn’t as high-risk as a car without anti-theft security systems. The less likely the car is to be stolen, the less it will cost to insure it.

What exactly is a Mini Cooper?

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 vehicle 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.

The Mini Cooper is very affordable in terms of upkeep, which will help keep both repair and replacement costs fairly low.

How much is a Mini Cooper?

The average cost of a Mini Cooper will vary based on the model, but the average 2019 Mini Hardtop was $22,900. Keep in mind that older vehicles depreciate each year.

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

secured lock Secured with SHA-256 Encryption

What are the features of a Mini Cooper?

Taking into consideration that the vehicle is foreign, this does mean that maintenance and repairs become somewhat more complicated. Parts may need to be ordered from an overseas manufacturer, which increases the cost of repairs and affects 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.

Mini car insurance is exceptionally lower than most cars on the market.

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 a 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.

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

Three Ways You Can Get the Cheapest Mini Cooper Car Insurance Quotes

The Mini Cooper is the perfect vehicle for those who want to save money on gas mileage or if you want a car to drive around town. It’s a decent first-time car since the auto insurance rates for the Mini Cooper is usually cheaper than the average sedan.

Wondering how you can lower your Mini Cooper auto insurance quotes even further? Continue reading to learn three tips that will reduce your Mini Cooper insurance quotes and get yourself the lowest rate possible.

Consider Your Mileage

Car insurance companies will base part of your car insurance quote on how many miles you drive during your policy. The more you drive, the more you’ll spend on auto insurance per month. Therefore, driving your Mini Cooper less means you’ll pay less than average for car insurance per month. The lower prices may come in the form of discounts.

Purchase Anti-Theft and Safety Features

As mentioned above, having a safer vehicle means you will pay less on your auto policy. You can report the Mini Cooper’s features to your car insurance provider, but there’s an easier way to alert your insurance company. At the start of your car insurance quote for the Mini Cooper, enter your VIN. The VIN reveals the specifics of your Mini Cooper.

Keep A Clean Driving Record

If you already have an auto insurance policy, try to maintain a clean driving record. Anyone who doesn’t get into an accident or file any claims will eventually see cheaper car insurance costs. Since the Mini Cooper has cheap auto insurance already, you can save even more on auto insurance per year when you don’t have any claims.

Mini Cooper Car Insurance: The Bottom Line

The Mini Cooper is a small car with several safety features that can help you save money on your auto insurance policy. Take advantage of discounts to lower reduce your bill even further, and if you practice safe driving habits, you may be able to use that to your advantage as well.