Key Takeaways
MINI Cooper is one of the most loved cars in the world. Its high-octane driving experience and distinct design have earned it wide admiration among drivers. With sales of over 6.8 million MINI Coopers over the years, its popularity speaks for itself. So, suppose you own one or are planning to buy. In that case, it's important to know about the MINI Cooper car insurance cost and the wide variety of premiums offered by different insurance companies.
The average annual MINI Cooper auto insurance cost is $1,500, while the average monthly cost is $125. Since it is a high-performance vehicle, the insurance cost is slightly higher than that of regular cars. Several factors determine the MINI Cooper auto insurance cost, and the estimate here is based on a 30-year-old driver with a good driving record. It's always a good idea to browse different types of car insurance to find the one that works best for you.
Yes, MINI Coopers are more expensive to insure compared to many other vehicles. However, certain models, like the Hardtop 4-Door, are more affordable to insure, while convertible Cooper models usually come with higher insurance costs. Factors such as MSRP, spare parts prices, and maintenance expenses play a major role in this variation in MINI Cooper insurance rates.
When figuring out monthly insurance costs, companies look at both driving habits and personal details. Your rate can change based on these factors, as well as the car's make and model. Here, we'll list out what can influence MINI Cooper insurance rates so you can find a policy that fits your budget.
The insurance premium for a MINI Cooper can vary based on several factors:
For the 2020 MINI Cooper, insurance rates start at around $1,020 a year with Nationwide. Vermont Mutual and USAA also offer competitive rates, while Acuity is the highest here at $1,468 per year. Overall, most companies fall between $1,100 and $1,400 annually.
| Insurance Company | Annual Rate |
|---|---|
| Nationwide | $1,020 |
| Vermont Mutual | $1,102 |
| USAA | $1,168 |
| State Farm | $1,307 |
| Tennessee Farmers | $1,317 |
| Country | $1,351 |
| Mercury | $1,386 |
| Arbella | $1,398 |
| American Family | $1,414 |
| Progressive | $1,447 |
| Acuity | $1,468 |
Cincinnati Insurance has the cheapest MINI Cooper car insurance rate for the 2019 model at $990 per year, with Nationwide and Auto Owners also offering affordable options. Meanwhile, American Family is the highest on the list at $1,456 per year.
| Insurance Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $990 |
| Nationwide | $1,069 |
| Auto Owners | $1,150 |
| USAA | $1,212 |
| Country | $1,325 |
| Erie | $1,341 |
| Arbella | $1,353 |
| Mercury | $1,356 |
| State Farm | $1,393 |
| Acuity | $1,417 |
| American Family | $1,456 |
While comparing the 2016 MINI Cooper car insurance cost, Vermont Mutual offers the lowest annual rate at $937, followed closely by Progressive at $978. Most insurers charge between $1,200 and $1,300 per year, with Acuity being the highest on this list at $1,325 annually.
| Insurance Company | Annual Rate |
|---|---|
| Vermont Mutual | $937 |
| Progressive | $978 |
| Nationwide | $1,017 |
| USAA | $1,077 |
| State Farm | $1,204 |
| Erie | $1,209 |
| Arbella | $1,232 |
| Country | $1,239 |
| Mercury | $1,283 |
| American Family | $1,290 |
| Acuity | $1,325 |
With the 2011 MINI Cooper insurance rates, Texas Farm Bureau leads with the lowest rate at $685 per year, while USAA and Erie follow closely behind. Most other options are priced between $900 and $1,000 annually, and Acuity tops the list at $1,002 per year.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $685 |
| USAA | $721 |
| Erie | $740 |
| Vermont Mutual | $785 |
| Progressive | $863 |
| Plymouth Rock Insurance | $907 |
| Tennessee Farmers | $914 |
| Arbella | $952 |
| American Family | $955 |
| State Farm | $997 |
| Acuity | $1,002 |
The MINI Cooper's safety rating is an important factor that lowers the insurance rate. Let's take a look at those:
The safety ratings of the MINI Cooper affect how much your MINI Cooper car insurance will cost. Below is a breakdown:
| Test Type | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 140 different insurance providers on our platform, which lets you choose the best policy that may help you lower your MINI Cooper car insurance cost.
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
Due to its value, repair costs, and theft rates, the MINI Cooper has a high insurance cost.
See the information above to learn how much top auto insurance providers charge for MINI Cooper coverage. Then use Way.com to gather estimates that are customized to your car.
It's a frequent misconception that the color of your car can affect how much you pay for auto insurance. It doesn't matter what color it is because the insurer won't charge you more for your insurance because of it.
Yes, you need insurance before buying a MINI Cooper. The dealership requires proof of insurance before you can drive it.
When it comes to auto insurance, there are numerous reductions available. Many depend more on you than your car, such as "pay-in-full discounts" and "multi-vehicle discounts." Nevertheless, you might be able to get discounts if your Cooper has safety equipment like airbags, anti-lock brakes, anti-theft systems, and others. To learn more about these offers and determine which deductions you can qualify for, speak with your insurance agent.
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
