Mini Cooper Car Insurance Cost 2025
Getting insurance for a Mini Cooper typically costs around $655 per year on average. However, the actual cost of your insurance can vary based on factors like your age, the model year of your car, your driving history, and the level of coverage you select. To get a more accurate estimate of your specific insurance costs, you can use our quote tables to compare options from various providers.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering buying a Mini Cooper, it’s essential to think about the cost of insurance. On average, insurance for a Mini Cooper costs $655 per year. 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?
Typically, Mini Cooper drivers can find car insurance at an average rate of $655 per year. However, your actual rate may vary depending on factors such as your age, driving record, location, and the model year of your vehicle.
It’s crucial to recognize that the cost of car insurance can vary significantly due to several factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you opt for will impact your premium – comprehensive insurance, covering both comprehensive and collision, generally costs more than minimum liability coverage.
As you can see, the cost of insurance for a Mini Cooper is lower compared to the average cost of all Mini Cooper models. However, it is still more affordable than the average cost for all cars.
Insuranceopedia is available to assist you in comparing quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Mini Cooper | $148 |
| All Mini Coopers | $151 |
| All Cars | $175 |
Average Insurance Cost Of Mini Cooper By Model Year
| Model Year | Average Premium |
| 2024 Mini Cooper | $1,918 |
| 2023 Mini Cooper | $1,623 |
| 2022 Mini Cooper | $805 |
| 2021 Mini Cooper | $1,330 |
| 2020 Mini Cooper | $1,124 |
| 2019 Mini Cooper | $719 |
| 2018 Mini Cooper | 687 |
| 2017 Mini Cooper | $712 |
| 2016 Mini Cooper | $639 |
| 2015 Mini Cooper | $661 |
| 2014 Mini Cooper | $734 |
| 2013 Mini Cooper | $472 |
| 2012 Mini Cooper | $594 |
| 2011 Mini Cooper | $585 |
| 2010 Mini Cooper | $444 |
2024 Mini Cooper Insurance Rates
The average annual insurance cost for a 2024 Mini Cooper is $1,918. However, Safeco offers the cheapest rates, averaging $655 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,582 |
| State Farm | $2,515 |
| 21st Century | $2,297 |
| California Capital | $2,180 |
| Safeco | $655 |
| Mercury | $2,032 |
| AssuranceAmerica | $1,089 |
| Unitrin | $2,248 |
| Nationwide | $2,340 |
| Dairyland Auto | $2,239 |
2023 Mini Cooper Insurance Rates
The average annual insurance cost for a 2023 Mini Cooper is $1,623. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,045 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,484 |
| Kemper Auto | Infinity | $2,026 |
| USAA | $1,694 |
| Plymouth Rock Assurance | $1,612 |
| New York Central Mutual Fire | $1,045 |
| Travelers | $1,518 |
| Erie | $1,089 |
| Mercury | $2,039 |
| National General Value | $2,050 |
| Liberty Mutual | $1,675 |
2022 Mini Cooper Insurance Rates
The average annual insurance cost for a 2022 Mini Cooper is $805. However, Mercury Insurance offers the cheapest rates, averaging $538 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $656 |
| Texas Farm Bureau Group | $1,063 |
| Virginia Farm Bureau | $915 |
| Buckeye Insurance Group | $807 |
| Mercury Insurance | $538 |
| Western Reserve | $700 |
| Safeco | $580 |
| Kemper Auto | Infinity | $953 |
| Capital Insurance Group | $1,029 |
| United Farm Bureau of IN Group | $805 |
2021 Mini Cooper Insurance Rates
The average annual insurance cost for a 2021 Mini Cooper is $1,330. However, Concord Group offers the cheapest rates, averaging $644 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,115 |
| 21st Century | $1,899 |
| Patriot Group | $1,604 |
| MMG Insurance Company | $1,281 |
| Concord Group | $644 |
| Country | $1,126 |
| Countryway Insurance | $795 |
| Safeco | $1,751 |
| Mercury Insurance | $1,791 |
| Auto-Owners Insurance Co | $1,297 |
2020 Mini Cooper Insurance Rates
The average annual insurance cost for a 2020 Mini Cooper is $1,124. However, American National P offers the cheapest rates, averaging $469 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $928 |
| Mercury Insurance Company | $1,404 |
| NatGen PPA | $1,338 |
| Direct Auto | $1,247 |
| American National P | $469 |
| New Jersey Manufacturers | $1,166 |
| Safeco | $733 |
| Southern Farm Bureau | $1,332 |
| USAA | $1,356 |
| North Carolina Farm Bureau | $1,265 |
2019 Mini Cooper Insurance Rates
The average annual insurance cost for a 2019 Mini Cooper is $719. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $469 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $637 |
| Commerce Group Inc | $1,023 |
| Western Reserve | $825 |
| Virginia Farm Bureau | $751 |
| Safeco | $177 |
| MMG Insurance Company | $700 |
| Hastings Mutual Insurance Co | $469 |
| PEMCO | $949 |
| Texas Farm Bureau Group | $986 |
| Concord Group | $777 |
2018 Mini Cooper Insurance Rates
The average annual insurance cost for a 2018 Mini Cooper is $687. However, Safeco offers the cheapest rates, averaging $169 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $545 |
| IMT Insurance Company | $1,022 |
| Indiana Farmers Mutual Ins | $837 |
| Clearcover | $622 |
| Safeco | $169 |
| Pekin Insurance | $595 |
| American National P | $413 |
| Infinity Special | $880 |
| PEMCO | $959 |
| Virginia Farm Bureau | $829 |
2017 Mini Cooper Insurance Rates
The average annual insurance cost for a 2017 Mini Cooper is $712. However, Safeco offers the cheapest rates, averaging $129 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $680 |
| North Carolina Farm Bureau | $1,004 |
| Utica National Ins Group | $870 |
| Buckeye Insurance Group | $766 |
| Safeco | $129 |
| NatGen PPA | $755 |
| Mercury Insurance | $243 |
| National General Value | $881 |
| PEMCO | $991 |
| Virginia Farm Bureau | $800 |
Find Affordable Mini Cooper Insurance Rates
2016 Mini Cooper Insurance Rates
The average annual insurance cost for a 2016 Mini Cooper is $636. However, Safeco offers the cheapest rates, averaging $33 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $422 |
| Clearcover | $945 |
| Auto Club Group | $785 |
| Rural Mutual Insurance | $776 |
| Safeco | $33 |
| Pekin Insurance | $774 |
| Infinity Special | $144 |
| Mercury Insurance Company | $815 |
| Rockford Mutual Insurance | $864 |
| West Bend Mutual | $829 |
2015 Mini Cooper Insurance Rates
The average annual insurance cost for a 2015 Mini Cooper is $661. However, Mercury Insurance offers the cheapest rates, averaging $139 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $592 |
| New Jersey Manufacturers | $925 |
| North Carolina Farm Bureau | $803 |
| Buckeye Insurance Group | $649 |
| Mercury Insurance | $139 |
| SafeAuto | $588 |
| Safeco | $399 |
| PEMCO | $876 |
| Mercury Insurance Company | $895 |
| American National P | $742 |
2014 Mini Cooper Insurance Rates
The average annual insurance cost for a 2014 Mini Cooper is $734. However, Safeco offers the cheapest rates, averaging $366 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $591 |
| SECURA Insurance | $953 |
| Rockford Mutual Insurance | $892 |
| Virginia Farm Bureau | $737 |
| Safeco | $366 |
| Pekin Insurance | $690 |
| Mercury Insurance | $434 |
| Texas Farm Bureau Group | $912 |
| New Jersey Manufacturers | $993 |
| North Carolina Farm Bureau | $773 |
2013 Mini Cooper Insurance Rates
The average annual insurance cost for a 2013 Mini Cooper is $472. However, Safeco offers the cheapest rates, averaging $81 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $329 |
| Virginia Farm Bureau | $750 |
| MMG Insurance Company | $583 |
| Pekin Insurance | $502 |
| Safeco | $81 |
| National General RAD | $405 |
| Kemper Auto | Infinity | $235 |
| Mercury Insurance | $613 |
| Commerce Group Inc | $655 |
| Concord Group | $571 |
2012 Mini Cooper Insurance Rates
The average annual insurance cost for a 2012 Mini Cooper is $594. However, Safeco offers the cheapest rates, averaging $161 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $560 |
| Mercury Insurance | $763 |
| Concord Group | $655 |
| PEMCO | $623 |
| Safeco | $161 |
| Western Reserve | $645 |
| American National P | $443 |
| Buckeye Insurance Group | $755 |
| MMG Insurance Company | $708 |
| SafeAuto | $623 |
2011 Mini Cooper Insurance Rates
The average annual insurance cost for a 2011 Mini Cooper is $585. However, Plymouth Rock offers the cheapest rates, averaging $176 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $381 |
| Western Reserve | $785 |
| Infinity Special | $738 |
| Clearcover | $685 |
| Safeco | $199 |
| Buckeye Insurance Group | $605 |
| Plymouth Rock | $176 |
| SECURA Insurance | $773 |
| Mercury Insurance Company | $817 |
| AssuranceAmerica Economy | $693 |
2010 Mini Cooper Insurance Rates
The average annual insurance cost for a 2010 Mini Cooper is $444. However, Safeco offers the cheapest rates, averaging $100 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $332 |
| Western Reserve | $622 |
| NatGen PPA | $570 |
| American National P | $462 |
| Safeco | $100 |
| Buckeye Insurance Group | $488 |
| Mercury Insurance | $293 |
| Atlantic States Insurance | $584 |
| Rural Mutual Insurance | $601 |
| Dairyland FR Bond | $488 |
Find Affordable Mini Cooper Insurance Rates
Is A Mini Cooper Expensive To Insure?
The cost to insure a Mini Cooper is lower than the overall average for all cars. However, the actual amount you’ll pay for car insurance depends on various factors, such as your age, the model year of your car, your location, and other individual factors like your driving history and coverage options. Rates can vary widely, so it’s essential to shop around and compare quotes to find the best deal tailored to your specific profile.
Cost of Mini Cooper Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers typically pay the highest premiums because they are statistically more likely to be involved in accidents. As you get older and gain more driving experience, your premiums generally decrease, as you become a lower insurance risk. Drivers in their 30s and 40s tend to see the most affordable rates, while those in their 50s and beyond may enjoy even lower premiums, provided they maintain a clean driving record.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $2,349 | $3,469 | $4,041 |
| 18 | $1,847 | $2,766 | $3,156 |
| 19 | $1,800 | $2,610 | $3,041 |
| 20 | $1,984 | $2,844 | $3,361 |
| 21 | $2,034 | $2,950 | $3,435 |
| 22 | $2,078 | $3,074 | $3,543 |
| 23 | $2,207 | $3,264 | $3,803 |
| 24 | $2,854 | $4,204 | $4,880 |
| 25 | $3,302 | $4,865 | $5,645 |
| 30 | $3,468 | $5,119 | $5,974 |
| 35 | $3,966 | $5,835 | $6,824 |
| 40 | $4,084 | $6,003 | $7,012 |
| 45 | $4,882 | $7,126 | $8,400 |
| 55 | $5,566 | $8,175 | $9,609 |
| 65 | $6,313 | $9,290 | $10,868 |
| 75 | $6,824 | $9,941 | $11,630 |
Mini Cooper Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance requirements, which means premiums can vary greatly depending on your location. For example, Michigan drivers often pay higher premiums due to the state’s requirement for more extensive coverage.
Additionally, the climate and weather conditions of your area can impact insurance rates. States prone to extreme weather, such as hurricanes, storms, or flooding, tend to have higher premiums because of the increased risk of vehicle damage.
Local statistics on crime and auto accidents also factor into the calculation of your Mini Cooper’s insurance rate. Areas with higher rates of car theft, accidents, or fatalities generally see higher premiums as insurers factor in the increased risk in those areas. Therefore, your specific location is one of the key elements that will affect the cost of your car insurance.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,438 | $3,514 | $4,427 |
| Alaska | $2,001 | $2,772 | $2,672 |
| Arizona | $2,263 | $3,236 | $4,794 |
| Arkansas | $2,466 | $3,907 | $4,286 |
| California | $2,768 | $4,891 | $2,741 |
| Colorado | $2,588 | $3,599 | $4,585 |
| Connecticut | $3,276 | $5,113 | $6,470 |
| Delaware | $2,715 | $3,628 | $4,641 |
| Florida | $3,228 | $4,503 | $5,872 |
| Hawaii | $1,065 | $1,439 | $1,089 |
| Idaho | $1,834 | $2,444 | $2,971 |
| Illinois | $1,953 | $2,917 | $3,345 |
| Indiana | $1,980 | $3,007 | $3,422 |
| Iowa | $1,570 | $2,175 | $2,540 |
| Kansas | $2,066 | $3,021 | $3,524 |
| Kentucky | $3,015 | $4,418 | $5,197 |
| Louisiana | $3,823 | $5,840 | $6,327 |
| Maine | $1,477 | $2,025 | $2,951 |
| Maryland | $2,353 | $3,409 | $3,838 |
| Massachusetts | $1,911 | $3,315 | $1,874 |
| Michigan | $4,570 | $6,947 | $10,983 |
| Minnesota | $1,904 | $2,507 | $3,531 |
| Mississippi | $2,288 | $3,239 | $3,290 |
| Missouri | $2,141 | $3,071 | $4,017 |
| Montana | $2,165 | $3,037 | $3,539 |
| Nebraska | $1,850 | $2,687 | $2,995 |
| Nevada | $3,031 | $4,505 | $4,739 |
| New Hampshire | $2,112 | $3,315 | $4,262 |
| New Jersey | $2,336 | $3,685 | $4,740 |
| New Mexico | $2,383 | $3,532 | $3,687 |
| New York | $2,208 | $2,803 | $4,616 |
| North Carolina | $1,384 | $2,345 | $1,639 |
| North Dakota | $1,888 | $2,804 | $3,344 |
| Ohio | $1,682 | $2,592 | $2,657 |
| Oklahoma | $2,651 | $3,833 | $4,247 |
| Oregon | $2,423 | $3,228 | $3,870 |
| Pennsylvania | $2,075 | $2,982 | $3,493 |
| Rhode Island | $3,416 | $4,996 | $5,609 |
| South Carolina | $2,319 | $3,197 | $4,402 |
| South Dakota | $2,054 | $2,983 | $3,458 |
| Tennessee | $2,423 | $3,629 | $4,738 |
| Texas | $2,487 | $3,542 | $4,397 |
| Utah | $2,085 | $2,928 | $4,039 |
| Vermont | $1,613 | $2,438 | $2,599 |
| Virginia | $1,522 | $2,300 | $2,288 |
| Washington | $2,000 | $2,717 | $3,240 |
| West Virginia | $2,015 | $2,913 | $3,638 |
| Wisconsin | $2,001 | $3,147 | $3,560 |
| Wyoming | $1,880 | $2,668 | $2,830 |
| Georgia | $2,653 | $3,984 | $3,973 |
Find Affordable Mini Cooper Insurance Rates
Cheapest Car Insurance Companies For A Mini Cooper
If you’re looking to purchase a new car insurance policy for your Mini Cooper, it’s helpful to know which insurance companies offer the most affordable rates. Shelter Mutual, for example, offers the cheapest premium for a Mini Cooper at an average rate of $29 per month. However, rates can fluctuate based on factors such as your age, driving history, location, and the specific model of your Mini Cooper. Since this rate is just an average, the best way to find the most affordable rates for your unique profile is to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Shelter Mutual | $29 |
| Safeco | $40 |
| Workmens | $38 |
| Commonwealth Casualty | $34 |
| Hugo | $30 |
Common Mini Cooper Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers different discounts, some common ones you can check your eligibility for include:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: For those who pay their premium all at once, rather than spreading payments out monthly, many companies offer a discount.
- Defensive driving: Taking a defensive driving course from a certified institution can help you qualify for reduced rates.
There are other discounts that may apply to your situation, so it’s always a good idea to speak with your insurance agent. They can help you find the discounts you’re eligible for and ensure you’re getting the best possible rate.
Ways To Save On Mini Cooper Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Mini Cooper insurance costs down. Violations like speeding tickets or accidents can raise your premiums. For example, Mini Cooper drivers with a ticket on their record can expect to pay around $79 per month, while those with multiple accidents will pay an average of $110 per month. By avoiding these incidents, you can help keep your premiums low. Additionally, annual mileage also plays a role in your insurance rate. Drivers with lower annual mileage, such as those driving between 5,001-7,500 miles per year, typically pay around $55 per month. On the other hand, those who drive over 10,000 miles per year generally pay about $68 per month.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures in this guide may differ based on your specific circumstances, such as your age, location, driving history, and the type of coverage you select.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Mini Cooper?
Yes, you will need to provide proof of insurance before you can drive your Mini Cooper out of the dealership. The best approach is to purchase an insurance policy in advance and inform your insurance company that you are about to buy the car. This way, you can avoid getting insurance through the dealership and ensure that your coverage is set up beforehand.
How Can You Get The Cheapest Insurance For Your Mini Cooper?
The best way to find the cheapest rates for your Mini Cooper is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers directly on our website, helping you find the best deal for your specific needs.
