Key Takeaways
Mini insurance is moderately affordable compared to other premium car brands. Insurance companies sometimes offer lower insurance premiums for certain Mini models due to their good safety features and fewer risk factors. At the same time, certain trims of Mini models usually have higher insurance rates as they are included in the higher-performance category. Let's go through the insurance rates of selected Mini models and the rates offered by various carriers.
Buying Mini insurance will cost you $1,603 per year for a full coverage policy. Numerous factors affect the Mini car insurance cost. Factors like a driver's age, location, credit score, and driving record are all considered when determining insurance premiums. In addition, the model and trim level of the Mini car you own also determines the insurance premium you pay.
Mini car insurance costs fall in the mid-range compared to other premium car brands. The Mini Cooper and Countryman are among the models that received superior safety evaluations from the Insurance Institute for Highway Safety (IIHS).
| Premium Compact Cars | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Hyundai | $108 | $1,300 |
| Fiat | $122 | $1,528 |
| Subaru | $129 | $1,553 |
| Volkswagen | $132 | $1,589 |
| Honda | $132 | $1,589 |
| Mini | $134 | $1,603 |
| BMW | $143 | $1,716 |
| Toyota | $147 | $1,838 |
| Audi | $205 | $2,462 |
Comparing quotes from different insurers is one method to find the cheapest deal on auto insurance prices. Texas Farm Bureau offers the cheapest Mini car insurance at $740 per annum. With an average annual premium of $1,292, Arbella offers the most expensive Mini insurance rates. The auto insurance rates of the cheapest providers for different Mini models are given below.
| Cheapest Companies | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $62 | $740 |
| USAA | $74 | $884 |
| Erie | $75 | $882 |
| Vermont Mutual | $76 | $890 |
| Plymouth Rock Insurance | $81 | $972 |
| Tennessee Farmers | $82 | $984 |
| Acuity | $87 | $1,046 |
| American Family | $92 | $1,107 |
| State Farm | $94 | $1,131 |
| Arbella | $95 | $1,122 |
The Mini model you choose has a big role in determining the insurance cost you may have to pay, especially when comparing quotes. Being a premium brand, several of the Mini models have average annual full coverage premium rates that exceed the national average.
Certain Mini models, such as the Cooper Countryman, Cooper Clubman, and Cooper Convertible, are cheaper to insure compared to the rest. However, the Mini Cooper has the highest premium rates, with an annual premium of $1,524.
| Mini Model | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Mini Cooper | $127 | $1,524 |
| Mini Countryman | $120 | $1,443 |
| Mini Clubman | $96 | $1,152 |
| Mini Cooper Clubman | $81 | $972 |
| Mini Cooper Convertible | $84 | $1,008 |
| Mini Cooper Countryman | $79 | $948 |
| Mini Hardtop 2 Door | $90 | $1,080 |
| Mini Roadster | $85 | $1,020 |
The average annual insurance rate for a Mini Cooper is $1,524, making it the most expensive model to insure among the lot. The cheapest insurer for this model is Nationwide, with an annual premium of $1,035. Erie also offers competitive rates at $1,097 per year.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Nationwide | $86 | $1,035 |
| Erie | $91 | $1,097 |
| Progressive | $91 | $1,096 |
| Tennessee Farmers | $93 | $1,116 |
| State Farm | $102 | $1,225 |
| Arbella | $103 | $1,234 |
| American Family | $107 | $1,279 |
| Acuity | $109 | $1,303 |
| Country | $109 | $1,305 |
| Mercury | $112 | $1,342 |
On average, it costs around $1,443 per year to insure a Mini Countryman. Erie offers the cheapest average rate for the car model, $958 per year. Vermont Mutual is the next best option with an average annual premium of $976.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $80 | $958 |
| Vermont Mutual | $81 | $976 |
| Plymouth Rock Insurance | $87 | $1,039 |
| USAA | $91 | $1,096 |
| Tennessee Farmers | $94 | $1,129 |
| American Family | $95 | $1,137 |
| Acuity | $95 | $1,142 |
| Country | $98 | $1,174 |
| Arbella | $102 | $1,228 |
| State Farm | $103 | $1,236 |
Mini Clubman insurance costs around $1,152 per year. Texas Farm Bureau is the cheapest insurance provider with an annual premium of $770. Erie also offers competitive rates at $870 per year.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $64 | $770 |
| Erie | $73 | $870 |
| Tennessee Farmers | $77 | $919 |
| USAA | $80 | $965 |
| Vermont Mutual | $84 | $1,012 |
| Plymouth Rock Insurance | $86 | $1,036 |
| Acuity | $89 | $1,072 |
| Arbella | $90 | $1,078 |
| Mercury | $95 | $1,136 |
| American Family | $96 | $1,147 |
A Mini Cooper Clubman insurance costs you $972 on average, per year. Texas Farm Bureau offers the cheapest rates at $680 per annum.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $57 | $680 |
| Vermont Mutual | $62 | $745 |
| Erie | $65 | $777 |
| USAA | $67 | $809 |
| Tennessee Farmers | $73 | $882 |
| Plymouth Rock Insurance | $78 | $931 |
| Arbella | $79 | $950 |
| Acuity | $73 | $874 |
| Country | $84 | $1,006 |
| American Family | $85 | $1,017 |
You can expect to pay around $1,008 per year to insure a Mini Cooper Convertible on average. However, Texas Farm Bureau offers the cheapest deal with an annual insurance cost of $757. American Family has the highest premium rate at $1,043 per year.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $63 | $757 |
| USAA | $64 | $769 |
| Erie | $69 | $835 |
| Vermont Mutual | $73 | $874 |
| Acuity | $76 | $914 |
| Plymouth Rock Insurance | $78 | $939 |
| Tennessee Farmers | $82 | $978 |
| State Farm | $85 | $1,022 |
| American Family | $87 | $1,043 |
Texas Farm Bureau offers the cheapest insurance premium for a Mini Cooper Countryman with an average annual premium of $685. Otherwise, you may have to pay around $948 per year to insure the model. Erie also offers competitive rates at just $713 per year.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $57 | $685 |
| Erie | $59 | $713 |
| Vermont Mutual | $62 | $742 |
| USAA | $66 | $787 |
| Tennessee Farmers | $73 | $877 |
| Plymouth Rock Insurance | $74 | $883 |
| Arbella | $79 | $946 |
| Country | $80 | $963 |
| American Family | $86 | $1,037 |
Generally, it costs around $1,080 per year to insure the Mini Hardtop 2 Door. The best rates are available from Texas Farm Bureau, with premiums starting at just $769 per year. Providers like Erie and USAA also offer affordable rates at $924 and $957 per year, respectively.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $64 | $769 |
| Erie | $77 | $924 |
| USAA | $80 | $957 |
| Vermont Mutual | $82 | $979 |
| Plymouth Rock Insurance | $86 | $1,034 |
| State Farm | $87 | $1,046 |
| Acuity | $89 | $1,072 |
| Progressive | $89 | $1,067 |
| Nationwide | $91 | $1,087 |
| American Family | $94 | $1,127 |
Mini Roadster car insurance cost generally falls around $1,020 per year on average. However, Texas Farm Bureau offers the cheapest premium rates at just $777 per year.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $65 | $777 |
| Erie | $74 | $885 |
| USAA | $74 | $890 |
| Vermont Mutual | $75 | $898 |
| Acuity | $79 | $952 |
| Tennessee Farmers | $80 | $965 |
| Plymouth Rock Insurance | $83 | $999 |
| Country | $88 | $1,061 |
| American Family | $88 | $1,059 |
| Nationwide | $93 | $1,110 |
It is really easy to get car insurance quotes with Way.com. All you need to do is download the Way app or log in to our website. On our platform, you can compare offers from more than 140 different insurance providers. This will help you select the most suitable option to reduce your Mini car insurance costs.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Mini car insurance costs generally fall in the middle range, at $1,603 per year for a full coverage policy. However, your premiums may vary depending on the model, the insurance company you select, and additional factors like your driving record and where you live.
No, the Cooper Countryman car insurance cost is the cheapest when compared to that of other Mini models. The average annual cost for the car model is just $948.
With an average annual premium of $1,524, the Cooper is the most expensive Mini model to insure.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
