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MINI Convertible Insurance Cost Estimate

Key takeaways:

  • Full coverage costs around $1,204 a year or $100 each month
  • A liability-only policy costs around $483 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,401 a year or $367 each month
  • Good drivers can save as much as $496 a year by earning policy discounts
  • MINI Convertible insurance costs around $315 less per year than the average vehicle

MINI Convertible insurance rates are $315 cheaper than the average vehicle. MINI Convertible full coverage costs $100 per month, while liability-only coverage costs $40. Continue reading to learn how you can save money on MINI Convertible insurance rates.

You can start comparing quotes for MINI Convertible auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

MINI Convertible Insurance Cost

The average MINI Convertible auto insurance costs are $1,204 a year or $100 a month.

Are MINI Convertibles Expensive to Insure?

The chart below details how MINI Convertible insurance rates compare to other convertibles like the Mercedes-Benz SL 450, Mercedes-Benz SLC 300, and BMW M6.

Vehicle Comprehensive Collision Liability Total
MINI Convertible $294 $536 $264 $1,204
Mercedes-Benz SL 450 $482 $922 $398 $1,960
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
BMW M6 $520 $1130 $450 $2,280
Buick Cascada $332 $656 $398 $1,544
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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 Convertible Insurance?

The MINI Convertible trim and model you choose will affect the total price you will pay for MINI Convertible insurance coverage.

Age of the Vehicle

The average MINI Convertible auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 MINI Convertible are $1,204, while 2017 MINI Convertible rates are $1,192, a difference of $12.

Model Year Comprehensive Collision Liability Total
2018 MINI Convertible $294 $536 $264 $1,204
2017 MINI Convertible $284 $524 $274 $1,192
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Driver Age

Driver age can have a significant effect on MINI Convertible auto insurance rates. For example, 30-year-old drivers pay $53 more for MINI Convertible auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Convertible insurance rates. For example, drivers in New York may pay $313 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of MINI Convertible auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Convertible auto insurance with violations on their driving record.

MINI Convertible Safety Ratings

Your MINI Convertible auto insurance rates are tied to the MINI Convertible’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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MINI Convertible Crash Test Ratings

MINI Convertible crash test ratings will affect your MINI Convertible auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Convertible N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Convertible Safety Features

MINI Convertible safety features can lower the cost of your insurance. The safety features for the 2020 MINI Convertible include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Emergency Sos
  • Rear Park Distance Control Rear Parking Sensors
  • Automatic Emergency Braking
  • Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Side Airbag Head Extension, Driver And Passenger Knee Airbag
  • Outboard Front Lap And Shoulder Safety Belts -inc: Pretensioners
  • Back-Up Camera

MINI Convertible Finance and Insurance Cost

If you are financing a MINI Convertible, you will pay more if you purchase MINI Convertible auto insurance at the dealership, so be sure to shop around and compare MINI Convertible auto insurance quotes from the best companies using our FREE tool below.

5 Ways to Save on MINI Convertible Insurance

Drivers can end up saving more money on their MINI Convertible auto insurance rates by employing any one of the following strategies.

  • Drive Your MINI Convertible Safely
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Save Money on Young Driver MINI Convertible Insurance By Mentioning Grades or GPA
  • Ask About Loyalty Discounts
  • Ask About Farm and Ranch Vehicle Discounts

Top MINI Convertible Insurance Companies

Who is the top auto insurance company for MINI Convertible insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Convertible auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Convertible 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
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Start comparing MINI Convertible auto insurance quotes for free by using our convenient online comparison tool.


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