Mini Cooper Car Insurance Cost

Insuring a Mini Cooper with Safeco usually costs around $652 per year. However, the price can change depending on things like your age, the model year of your car, and other factors. You can check the tables below to get an estimate tailored to your situation.

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Updated: 09 June 2024
Written by Bob Phillips
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If you’re considering buying a Mini Cooper, it’s essential to think about the cost of insurance. Insurance is a significant part of car ownership, and you need to understand this financial aspect before making a decision.

Choosing the right car insurance is vital to avoid unexpected and potentially high costs in the future. Having adequate coverage is crucial to protect yourself from large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.

With over ten years of experience in analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving record, and location significantly influence your insurance premiums.

How Much Does Mini Cooper Car Insurance Cost?

Generally, Safeco offers the best price for full coverage insurance on a 2024 Mini Cooper, costing about $652 per year.

While Safeco’s rate is a good benchmark, it’s important to know that car insurance costs can vary widely. Factors like your location, driving record, car age, and the coverage options you choose all play a role. A clean driving record usually means lower premiums, while accidents or traffic violations can increase your rates.

Living in a busy city generally leads to higher insurance costs compared to living in a quieter rural area. The type of coverage you choose also impacts your premium—comprehensive coverage, which includes both comprehensive and collision, is more expensive than basic liability coverage.

At Insuranceopedia, we help you compare quotes from different insurance companies to ensure you get the best deal.

2024 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $652
AssuranceAmerica $1,094
USAA $1,550
Mercury $2,020
California Capital $2,172
Dairyland Auto $2,228
21st Century $2,274
Unitrin $2,286
Nationwide $2,349
State Farm $2,467

2023 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $1,075
Erie $1,096
Nationwide $1,489
Travelers $1,534
Plymouth Rock Assurance $1,595
Liberty Mutual $1,693
USAA $1,686
Mercury $2,037
National General Value $2,034
Kemper Auto | Infinity $2,064

2022 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance $548
Safeco $580
Pekin Insurance $642
Western Reserve $700
Buckeye Insurance Group $806
United Farm Bureau of IN Group $818
Virginia Farm Bureau $916
Kemper Auto | Infinity $943
Capital Insurance Group $1,027
Texas Farm Bureau Group $1,103

2021 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Concord Group $639
Countryway Insurance $812
Capital Insurance Group $1,106
Country $1,098
MMG Insurance Company $1,268
Auto-Owners Insurance Co $1,348
Patriot Group $1,608
Safeco $1,792
Mercury Insurance $1,851
21st Century $1,890

2020 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
American National P $480
Safeco $748
Virginia Farm Bureau $924
New Jersey Manufacturers $1,148
Direct Auto $1,257
North Carolina Farm Bureau $1,283
NatGen PPA $1,301
Southern Farm Bureau $1,312
USAA $1,362
Mercury Insurance Company $1,418

2019 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $213
Hastings Mutual Insurance Co $497
Buckeye Insurance Group $614
MMG Insurance Company $710
Virginia Farm Bureau $754
Concord Group $775
Western Reserve $813
PEMCO $941
Texas Farm Bureau Group $992
Commerce Group Inc $991

2018 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $221
American National P $401
Kemper Auto | Infinity $545
Pekin Insurance $569
Clearcover $655
Virginia Farm Bureau $836
Indiana Farmers Mutual Ins $870
Infinity Special $883
PEMCO $965
IMT Insurance Company $1,015

2017 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $115
Mercury Insurance $304
Infinity Special $663
NatGen PPA $781
Buckeye Insurance Group $775
Virginia Farm Bureau $807
Utica National Ins Group $896
National General Value $875
PEMCO $964
North Carolina Farm Bureau $1,005

2016 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $27
Infinity Special $125
Mercury Insurance $457
Pekin Insurance $732
Rural Mutual Insurance $741
West Bend Mutual $781
Auto Club Group $817
Mercury Insurance Company $852
Rockford Mutual Insurance $890
Clearcover $911

2015 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance $182
Safeco $399
Pekin Insurance $582
SafeAuto $611
Buckeye Insurance Group $616
American National P $768
North Carolina Farm Bureau $790
PEMCO $863
Mercury Insurance Company $894
New Jersey Manufacturers $917

2014 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $373
Mercury Insurance $418
National General Value $600
Pekin Insurance $676
Virginia Farm Bureau $734
North Carolina Farm Bureau $722
Rockford Mutual Insurance $897
Texas Farm Bureau Group $928
New Jersey Manufacturers $978
SECURA Insurance $1,002

2013 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $75
Kemper Auto | Infinity $214
American National P $368
National General RAD $374
Pekin Insurance $559
Concord Group $573
MMG Insurance Company $570
Mercury Insurance $632
Commerce Group Inc $691
Virginia Farm Bureau $759

2012 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $153
American National P $390
Kemper Auto | Infinity $559
Western Reserve $631
PEMCO $619
SafeAuto $641
Concord Group $674
Buckeye Insurance Group $728
MMG Insurance Company $738
Mercury Insurance $788

2011 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $171
Plymouth Rock $169
Kemper Auto | Infinity $340
American National P $380
Buckeye Insurance Group $590
Clearcover $693
AssuranceAmerica Economy $719
Infinity Special $752
SECURA Insurance $809
Mercury Insurance Company $802

2010 Mini Cooper Insurance Rates

Insurance Provider Average Annual Cost
Safeco $11
Mercury Insurance $265
NatGen Custom 360 $331
Buckeye Insurance Group $450
American National P $485
Dairyland FR Bond $478
NatGen PPA $589
Atlantic States Insurance $582
Rural Mutual Insurance $593
Western Reserve $644

Compare Mini Cooper To OtherMini CooperModels

FAQs

Who has the cheapest car insurance for a Mini Cooper?

For the 2024 model year, Safeco has the cheapest car insurance rates for the Mini Cooper.

Which company offers the best car insurance for a Mini Cooper?

With their low prices, comprehensive coverage, and high customer service ratings, we believe Safeco offers the best car insurance for a Mini Cooper.

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