Key Takeaways
Is the Mini Cooper Countryman expensive to insure? How much does insurance cost for a Countryman? Here, we look at the factors that affect how much car insurance costs for the Mini Cooper, the cheapest insurance company for this SUV.
The average annual car insurance for a MINI Countryman is $1,443. The monthly insurance rate for a MINI Countryman will amount to $120.
Since it is a luxury model, the insurance costs might seem to be on the higher end. But, when compared to the insurance rates of car models in a similar segment, the MINI Countryman's annual insurance premium is much lower. Go through the comparison of the increasing insurance rate as mentioned in the table below.
Safety Ratings & Features: MINI Countryman car insurance cost is limited, mainly due to the advanced safety features and sound safety ratings awarded by the national institutions such as IIHS.
Repair Complexity & Cost of Parts: Since the car is manufactured and imported from the UK, the repair complexity and cost of parts are high, hence the insurance cost too.
Model Trim & Performance Level: The car model is available in certain trim levels, such as base, S, SE, and JCW. In comparison, the first one is the base model without premium features, and the S is sportier with upgraded engine performance. Meanwhile, E is a Plug-in hybrid, and JCW is a high-performance model. While the tech features go up, the car value and insurance costs also go up.
Vehicle Age: The car model year largely decides the MINI Countryman car insurance cost. As per the usual trends, the higher the age, the lower the insurance rates are. This is because the car value goes down with older cars, due to depreciation. At the same time, the car model years that are newer have the latest technologies and lesser-known drawbacks, so the car insurance rate is higher.
Driver- & Policy-Related Factors: The driver's profile, including age, gender, zip code, and credit score, directly influences the car insurance rates. Also, the coverage and deductibles are major factors that impact the MINI Countryman car insurance rates.
Car insurance rates primarily depend on the make, model, and model year. Insurers look into the specifics of each model year, such as claim rate, repair frequency, availability of parts, etc. As per the criteria, the average MINI Countryman insurance rates for selected model years are in the table below.
| MINI Countryman Model Year | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| 2020 MINI Countryman | $1,403 | $117 |
| 2019 MINI Countryman | $1,511 | $126 |
| 2018 MINI Countryman | $1,528 | $127 |
| 2017 MINI Countryman | $945 | $79 |
| 2016 MINI Countryman | $968 | $81 |
| 2015 MINI Countryman | $1,031 | $86 |
| 2014 MINI Countryman | $992 | $83 |
| 2013 MINI Countryman | $984 | $82 |
Various insurance companies prioritize different criteria for calculating insurance premiums. Though the criteria are mostly the same, the weightage given to each differs according to the insurer. According to the research by Way, the Texas Farm Bureau offers the cheapest average annual rate of $740. Find more rates and see which providers fit your budget from the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $740 | $62 |
| Vermont Mutual | $938 | $78 |
| Erie | $957 | $80 |
| Plymouth Rock Insurance | $1,013 | $84 |
| USAA | $1,059 | $88 |
| Acuity | $1,092 | $91 |
| Nationwide | $1,094 | $91 |
| Tennessee Farmers | $1,107 | $92 |
| American Family | $1,137 | $95 |
| Country | $1,172 | $98 |
| Arbella | $1,190 | $99 |
The average annual insurance rate for a 2020 MINI Countryman is $1,403. Much cheaper rates are offered by the carriers such as Vermont Mutual, Progressive, USAA, etc. Among these providers, Nationwide offers the cheapest average annual rate of $958. The rates offered by respective insurers are in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Nationwide | $958 | $80 |
| Vermont Mutual | $1,029 | $86 |
| Progressive | $1,202 | $100 |
| USAA | $1,287 | $107 |
| Mercury | $1,293 | $108 |
| Tennessee Farmers | $1,317 | $110 |
| Erie | $1,332 | $111 |
| Country | $1,348 | $112 |
| Arbella | $1,357 | $113 |
| State Farm | $1,372 | $114 |
| 21st Century | $1,401 | $117 |
The 2019 MINI Countryman average annual insurance rate is $1,511. The cheapest insurer for the model year is Cincinnati Insurance. From our research, insurance companies offering 17% cheaper rates for the 2019 MINI Countryman are found and featured in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Cincinnati Insurance | $981 | $82 |
| Nationwide | $1,129 | $94 |
| Auto Owners | $1,158 | $97 |
| Erie | $1,178 | $98 |
| USAA | $1,249 | $104 |
| Country | $1,263 | $105 |
| Mercury | $1,265 | $105 |
| Arbella | $1,313 | $109 |
| Progressive | $1,325 | $110 |
| Acuity | $1,374 | $115 |
| Southern Farm Bureau | $1,416 | $118 |
As per this website, 2018 MINI Countryman insurance rates are at the top of all model years from 2013 to 2020. While the average annual insurance cost for the car model year is $1,528, Erie offers 39% cheaper rates. Find more low-cost car insurance deals in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $927 | $77 |
| Plymouth Rock Insurance | $1,090 | $91 |
| USAA | $1,123 | $94 |
| Vermont Mutual | $1,164 | $97 |
| Acuity | $1,210 | $101 |
| Nationwide | $1,218 | $102 |
| Mercury | $1,299 | $108 |
| Country | $1,320 | $110 |
| Arbella | $1,347 | $112 |
| Tennessee Farmers | $1,358 | $113 |
| State Farm | $1,387 | $116 |
Texas Farm Bureau is the cheapest carrier for the 2017 MINI Countryman. The average annual insurance rate offered by the insurer is $732, which is $213 cheaper when compared to the overall annual average for the car model year, $945. Go through the affordable average rates offered by selected insurance providers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $732 | $61 |
| Erie | $918 | $77 |
| Vermont Mutual | $1,005 | $84 |
| USAA | $1,093 | $91 |
| Plymouth Rock Insurance | $1,105 | $92 |
| Acuity | $1,122 | $94 |
| Mercury | $1,154 | $96 |
| Arbella | $1,191 | $99 |
| Nationwide | $1,203 | $100 |
| Country | $1,206 | $101 |
| American Family | $1,270 | $106 |
The cheapest insurance companies for the 2016 MINI Countryman are Vermont Mutual, Texas Farm Bureau, and Nationwide. The overall average annual insurance rate for the car model year is $968. The cheapest insurance rate for a 2016 model MINI Countryman will cost you $739. Go through more cheap rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Vermont Mutual | $739 | $62 |
| Texas Farm Bureau | $751 | $63 |
| Nationwide | $962 | $80 |
| Erie | $990 | $83 |
| Arbella | $1,034 | $86 |
| Country | $1,040 | $87 |
| USAA | $1,075 | $90 |
| Acuity | $1,097 | $91 |
| State Farm | $1,132 | $94 |
| Southern Farm Bureau | $1,165 | $97 |
| MetLife | $1,180 | $98 |
The overall average annual premium rate for the 2015 MINI Countryman is $1,031. Though the rate is higher than that of its 2016 successor, cheaper rates are offered by Texas Farm Bureau, Erie, Vermont Mutual, etc. The cheapest among them is Texas Farm Bureau, with an average annual offer of $757. Find more insurers and the respective average cheap rates they offer in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $757 | $63 |
| Erie | $771 | $64 |
| Vermont Mutual | $880 | $73 |
| USAA | $915 | $76 |
| Tennessee Farmers | $949 | $79 |
| Plymouth Rock Insurance | $968 | $81 |
| Acuity | $978 | $82 |
| Country | $1,069 | $89 |
| American Family | $1,080 | $90 |
| Arbella | $1,093 | $91 |
| Mercury | $1,148 | $96 |
Texas Farm Bureau is the cheapest insurer for the 2014 MINI Countryman with a 25% cheaper offer, compared to the overall average. The average annual insurance rate offered by the carrier is $992. Find the cheapest carriers for the car model year in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $738 | $62 |
| Erie | $807 | $67 |
| USAA | $913 | $76 |
| Vermont Mutual | $934 | $78 |
| Plymouth Rock Insurance | $972 | $81 |
| Acuity | $984 | $82 |
| Tennessee Farmers | $997 | $83 |
| Country | $1,115 | $93 |
| Mercury | $1,126 | $94 |
| American Family | $1,143 | $95 |
| Arbella | $1,166 | $97 |
The insurance rates for a 2013 MINI Countryman, on average, will cost you $984 annually. The cheapest carrier for the car model year is Texas Farm Bureau. The average annual insurance rate offered by the carrier is $721. Find cheaper insurance options from the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $721 | $60 |
| Erie | $735 | $61 |
| Vermont Mutual | $812 | $68 |
| USAA | $816 | $68 |
| Acuity | $880 | $73 |
| Tennessee Farmers | $912 | $76 |
| Plymouth Rock Insurance | $930 | $78 |
| Country | $1,012 | $84 |
| Arbella | $1,020 | $85 |
| State Farm | $1,054 | $88 |
| American Family | $1,0120 | $88 |
MINI Countryman auto insurance rates are limited to an extent due to the reliable safety features that come with the car. Below are the standard safety features that come built-in with your Countryman.
Insurers looking for your car safety ratings is a usual thing. Instead of testing the cars themselves, most carriers look up the ratings by independent bodies such as IIHS. Go through an overview of the ratings for various testing criteria for MINI Countryman in the table below by the IIHS.
| IIHS Test Type | Safety Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Marginal / Poor |
| Front crash prevention: vehicle-to-vehicle | Advanced |
| LATCH ease of use | Acceptable |
Compare Quotes from Multiple Insurers: Comparing the MINI Countryman auto insurance quotes among multiple insurers is the most effective method. Go through the best-reviewed car insurance carriers and get quotes, either by visiting individual websites or using comparison tools such as the Way app.
Shop Based on Your Profile: While filling out the car quote request form, enter the accurate details regarding yourself and your car. Even the changes in your age, gender, and credit score can alter the premium rates.
Time Your Policy Renewals: Choose the best time for the MINI Countryman car insurance renewal. Insurers revise the rates once every year. So it is always best to pay the annual premium. Also, start the research for the insurance provider that best suits your requirements 45 – 30 days before the insurance due date.
Avoid Common Overcharges: You might have already subscribed to certain covers, such as MINI roadside assistance or AAA. Then you can slash such covers that come attached with the quote from your insurer.
Way.com is an effective method for both savings and the best insurance rates. With over 140 insurance companies on the platform, the best rates are just a click away. Now you can compare customer-rated insurers. Way.com can assist you in locating the finest savings. Simply ask about savings when comparing companies.
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 Cooper Countryman insurance rates are moderately high. The average annual insurance rate for the car model is $1,443.
Texas Farm Bureau offers the cheapest insurance rates for the MINI Countryman. The average annual insurance rate for the car model is $740, which is as low as $62 per month. More carriers offer cheap rates, such as Vermont Mutual, Erie, Plymouth Rock Insurance, etc.
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
