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MINI Cooper insurance rates are $106 per month for full coverage and $43 per month for liability-only coverage. The MINI Cooper has auto insurance rates of $243 less than the average vehicle. Continue through this guide to learn more about MINI Cooper insurance rates.
You can start comparing quotes for MINI Cooper auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average MINI Cooper auto insurance costs are $1,276 a year or $106 a month.
The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Audi A6, Lexus GS 300, and Cadillac CTS-V.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| Lexus IS 350 | $344 | $686 | $398 | $1,586 |
| Audi S6 | $444 | $894 | $398 | $1,894 |
| Volvo S90 | $356 | $714 | $398 | $1,626 |
However, there are a few things you can do to find the cheapest MINI insurance rates online.
The MINI Cooper trim and model you choose can impact the total price you will pay for MINI Cooper insurance coverage.
Older MINI Cooper models generally cost less to insure. For example, auto insurance rates for a 2016 MINI Cooper are $1,276, while 2010 MINI Cooper rates 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 can have a significant impact on MINI Cooper auto insurance rates. For instance, a 30-year-old driver may pay $56 more each year for MINI Cooper auto insurance than a 40-year-old driver.
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 can have an impact on the cost of MINI Cooper auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Cooper auto insurance with violations on their driving record.
Your MINI Cooper auto insurance rates are influenced by the MINI Cooper’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | G |
|---|---|
| Small overlap front: passenger-side | N/A |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| Source: Insurance Institute for Highway Safety | |
MINI Cooper crash test ratings can impact the cost of your MINI Cooper auto insurance. See MINI Cooper crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| MINI Cooper | 4 stars | 4 stars | 4 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Most drivers don’t realize that not only do MINI Cooper safety features play a vital role in keeping passengers safe in crashes, but they can also help lower MINI Cooper auto insurance rates. The MINI Cooper’s safety features include:
If you are financing a MINI Cooper, you will pay more if you purchase MINI Cooper auto 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.
There are many ways that you can save on MINI Cooper auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your MINI Cooper auto insurance rates low.
Who is the top auto insurance company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.
| 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 | |||
You can start comparing quotes for MINI Cooper auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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