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MINI Hardtop 4 Door insurance rates are $118 per month for full coverage and $47 per month for liability-only coverage. Read through this guide to see how you can save on MINI Hardtop 4 Door insurance rates.
You can start comparing quotes for MINI Hardtop 4 Door auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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The average MINI Hardtop 4 Door auto insurance rates are $1,416 a year or $118 a month.
The chart below details how MINI Hardtop 4 Door insurance rates compare to other sedans like the Honda Accord, Hyundai Sonata, and Cadillac CTS.
Vehicle | Comprehensive | Collision | Liability | Total |
MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
Honda Accord | $280 | $500 | $372 | $1,310 |
Hyundai Sonata | $294 | $532 | $420 | $1,426 |
Cadillac CTS | $320 | $626 | $398 | $1,502 |
Subaru WRX | $320 | $566 | $338 | $1,360 |
Mazda 3 | $308 | $562 | $372 | $1,400 |
Kia Optima | $322 | $532 | $420 | $1,454 |
However, there are a few things you can do to find the cheapest MINI insurance rates online.
The MINI Hardtop 4 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 4 Door insurance coverage.
Older MINI Hardtop 4 Door models generally cost less to insure. For example, auto insurance for a 2018 MINI Hardtop 4 Door costs $1,416, while 2017 MINI Hardtop 4 Door insurance costs are $1,410, a difference of $6.
Model Year | Comprehensive | Collision | Liability | Total |
2018 MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
2017 MINI Hardtop 4 Door | $284 | $552 | $416 | $1,410 |
Driver age can have a significant impact on the cost of MINI Hardtop 4 Door auto insurance. For example, 20-year-old drivers pay approximately $1,732 each year for their MINI Hardtop 4 Door auto insurance than 30-year-old drivers.
Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in New York may pay $368 a year more than drivers in Chicago.
Your driving record can have an impact on the cost of MINI Hardtop 4 Door auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 4 Door auto insurance rates with violations on their driving record.
The MINI Hardtop 4 Door’s safety ratings will affect your MINI Hardtop 4 Door auto insurance rates. See the chart below:
Test Type | Rating |
Small overlap front: driver-side | N/A |
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Small overlap front: passenger-side | N/A |
Moderate overlap front | N/A |
Side | N/A |
Roof strength | N/A |
Head restraints and seats | N/A |
Source: Insurance Institute for Highway Safety |
The crash test ratings of the MINI Hardtop 4 Door can impact your MINI Hardtop 4 Door auto insurance rates.
Vehicle Tested | Overall | Frontal | Side | Rollover |
MINI Hardtop 4 Door | 3 stars | 4 stars | 4 stars | 4 stars |
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
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Having a variety of safety features on your MINI Hardtop 4 Door can help lower your MINI Hardtop 4 Door insurance costs. The MINI Hardtop 4 Door’s safety features include:
If you are financing a MINI Hardtop 4 Door, you will pay more if you purchase MINI Hardtop 4 Door auto insurance at the dealership, so be sure to shop around and compare MINI Hardtop 4 Door auto insurance quotes from the best companies using our FREE tool below.
Drivers can end up saving more money on their MINI Hardtop 4 Door auto insurance rates by employing any one of the following strategies.
The best auto insurance companies for MINI Hardtop 4 Door auto insurance rates will offer competitive rates, discounts, and account for the MINI Hardtop 4 Door’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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: Insurance Information Institute |
You can start comparing quotes for MINI Hardtop 4 Door auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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