Cheapest Mini Car Insurance (Apr 2024)

shopping for car insurance

The best car insurance companies for Mini drivers

When

, not just any policy will do—you want the right coverage that fits your needs and vehicle.

While we can’t give you a one-and-done answer for a provider that fits everyone’s needs, we can help you find the best option based on your circumstances. How much insurance you need to buy, whether you have a great driving record or a couple of bumps along the way, which Mini you own, and other details make a difference in what will work for you.

Still, it can help to see what other Mini drivers pay for their insurance, so check out the chart below to get an idea of what to expect:

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Mini models

One thing that makes a difference in your cost is the trim level and model year of your Mini. Let’s look at why the vehicle model changes your insurance costs:

Safety features: The Mini brand mainly got 4 out of 5 safety ratings from the Insurance Institute for Highway Safety (IIHS), plus the vehicles have multiple driver assist features and are heavy for their size, minimizing the chance of damage or rollover in accidents.

Vehicle value: Minis are generally classified as a luxury brand by insurers, hurting your chances of saving money.

Vehicle class: A smaller class, like the compact Cooper, will be cheaper to insure than larger sedans, but the convertibles are usually considered a sports car, so that adds to the price.

Engine size: Mini loves all things small, and while the engines pack a surprising punch for the size, smaller is better for your insurance rate. Smaller engines are less powerful and therefore safer, which lowers your price.

Availability of replacement parts: Since Minis are made in Europe and owned by BMW, the parts are imported, which adds to your cost. Insurance companies like to offset potential costs, so they charge you more for imported vehicles.

Cost of repairs: Minis are an offshoot of

BMW

, so that should tell you something right there. Your insurer will consider this when ringing up that premium rate.

The table below provides the average costs of auto coverage for popular Mini models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Mini Cooper	$90	$166

Be aware that you can’t legally drive unless you have your state’s

minimum insurance coverage

, which usually focuses on

basic liability insurance

, which includes coverage for both bodily injury and property damage liability.

In the case of a luxury brand like the Mini, however, it’s strongly recommended that you get

full-coverage insurance

so you have

collision

and

comprehensive coverage

. Your own bills aren’t taken care of with the state minimum, so you need extra options like full coverage if you want insurance to help you in case of an accident or even something like vandalism.

While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes.

Jerry

makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds.

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Mini Cooper insurance costs

This is the quintessential Cooper, the one you’ve seen in movies and probably on the street. If you’re looking for a car that makes you smile and puts more than a little zip in your drive, you have multiple options for the

. You’ll be looking at an average of $166 per month for full coverage and $90 per month if you go with the state minimum.

Let’s look at your options regarding 2024 trim levels:

Hardtop: (starting MSRP $24,395) This is the classic Coop, with two doors and the look you’re familiar with. The turbocharged 1.5-liter three-cylinder engine gives you 134 horses—not bad for such a small car. You get a six-speed manual transmission, and some basic features like cloth seats, but let’s face it, you don’t exactly have a lot of space for fancy tech.

S Hardtop

: (starting MSRP $24,395) You get a bit more oomph behind the wheel, thanks to a 2.0-liter four-cylinder engine that puts out 189-horsepower, which is the main difference between the two versions of the Hardtop.

Convertible: (starting MSRP $29,395) As you can guess, the big draw of this trim is the convertible part. You get the 1.5-liter three-cylinder engine with 134 horsepower, but you can pretend to be on vacation whenever you want by driving with the top down.

S Convertible: (starting MSRP $29,395) Like the S Hardtop, you get the best of everything. You get the more powerful 2.0-liter four-cylinder engine with 189-horsepower, plus the fun of a convertible, all in a compact size.

Let’s face it, you won’t be packing your family in for a big vacation, but that’s beside the point when it comes to the classic version of the Mini Cooper. If you want the original fun-sized Mini that you can practically fit in your pocket, pick the real deal Mini Cooper.

Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Cooper S Countryman	$90	$202
Cooper Clubman	$73	$155
Cooper S	$82	$151
Cooper Mini Cooper	$102	$164
Cooper Countryman	$86	$161

In the table below, you’ll find real quotes for real people from Jerry who drive Mini Coopers

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Mini Cooper S Clubman ALL4	Progressive	$363	Kyle, 25 Hiram, GA	• 50,000/100,000 Liability • Comp / Collision
Mini Cooper Clubman ALL4	Nationwide	$102	Sophia, 43 Reston, VA	• 100,000/300,000 Liability
Mini Cooper S Countryman	Travelers	$105	Edwin, 30 Richmond, TX	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	AAA	$142	Jesus, 31 Indianapolis, IN	• State Minimum Liability • Comp / Collision
Mini Cooper S	State Auto	$198	Lawrence, 26 Houston, TX	• State Minimum Liability

Last Updated Apr 23, 2024

Mini Cooper Electric insurance costs

Yep, that’s right, the Mini Cooper has an electric version. If you want a modern take on a fun classic, consider reducing your energy consumption while still indulging in a little wish fulfillment.

Let’s see what kind of options you have for the 2023 trim levels:

Signature: (starting MSRP $30,895) This option won’t cost you an arm and a leg, but you still get nice features like heated seats, faux-leather upholstery, LED lighting, hands-free passive entry, and rain-sensing windshield wipers. You get great acceleration thanks to the electric motor’s 181 horsepower, plus you have automatic transmission.

Signature Plus (SE): (starting MSRP $35,220) This is similar to the base model, you just get a few variations on some of the detailing and a sunroof.

Iconic/Resolute: (starting MSRP $37,750) You get a special edition look with this trim, with bronze accents on the exterior and interior, a tweed upholstery you can’t get with other Minis, and a one-time color scheme that combines Rebel Green paint with a white roof.

As you can see, you get a lot of the same appeal as the original Mini Cooper, but you get to update the technology and save on gas at the same time.

Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry who drive Mini.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Mini Cooper S Clubman ALL4	Progressive	$363	Kyle, 25 Hiram, GA	• 50,000/100,000 Liability • Comp / Collision
Mini Cooper Clubman ALL4	Nationwide	$102	Sophia, 43 Reston, VA	• 100,000/300,000 Liability
Mini Cooper S Countryman	Travelers	$105	Edwin, 30 Richmond, TX	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	AAA	$142	Jesus, 31 Indianapolis, IN	• State Minimum Liability • Comp / Collision
Mini Cooper S	State Auto	$198	Lawrence, 26 Houston, TX	• State Minimum Liability

Last Updated Apr 23, 2024

Mini Cooper Countryman insurance cost

If you’re looking for something larger, like a subcompact SUV, but still want a Mini Cooper, check out the

Mini Countryman

model. There’s room for up to five passengers, and once you get past the shock of seeing such a large Mini, you’ll realize the Countryman retains the basic outline and design of its smaller relatives.

Let’s look at all the options you have for trims:

Base: (starting MSRP$30,595) This four-door version uses a 1.5-liter, three-cylinder engine with a bit more power, giving you 134 horsepower. You can pick between Front Wheel Drive (FWD) or All Wheel Drive (AWD), though the latter is an upgrade option. You get leatherette upholstery and piano black accents.

: (starting MSRP $32,895) You get some upgrades, like a 2.0-liter, four-cylinder engine with 189 horsepower, and automatic transmission. The biggest focus of this trim is upgrading the engine.

SE: (starting MSRP $42,495) This is the same setup as the base, with the smaller 1.5-liter, three-cylinder engine, but you get 221 horsepower thanks to the fact that it’s a hybrid engine. The hybrid part is the point of this particular trim, so you’ll get to save big on gas money and help the planet.

If you’ve always wanted a Mini Cooper but need more elbow room, this could be a good option to check out—it gives you the basic look and feel of the Mini, but you have room for a few passengers or some cargo.

Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry who drive a Mini.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Mini Cooper S Clubman ALL4	Progressive	$363	Kyle, 25 Hiram, GA	• 50,000/100,000 Liability • Comp / Collision
Mini Cooper Clubman ALL4	Nationwide	$102	Sophia, 43 Reston, VA	• 100,000/300,000 Liability
Mini Cooper S Countryman	Travelers	$105	Edwin, 30 Richmond, TX	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	AAA	$142	Jesus, 31 Indianapolis, IN	• State Minimum Liability • Comp / Collision
Mini Cooper S	State Auto	$198	Lawrence, 26 Houston, TX	• State Minimum Liability

Last Updated Apr 23, 2024

Mini Cooper John Cooper Works (JCW)

Over 4,000,000 customers and counting

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Mini Cooper JCW insurance costs

This particular model is named

in honor of the British racer, John Cooper, who originally made the Mini popular thanks to his success with the tiny powerhouses on the racetrack.

The trim options are modest but distinct enough to give you choices:

JCW Hardtop: (starting MSRP $33,895) This gives you the hardtop of the original mini, plus extras like fog lights, rain-sensing wipers, heated side mirrors, and a rear spoiler. You can spring for some upgrades, like a sunroof or heated seats. You get a 2.0-liter inline-four-cylinder engine for 228 horsepower, and you can pick either an automatic or manual transmission for this trim.

JCW Convertible: (starting MSRP $41,645) You get the same engine type and other features as the hardtop, though the transmission is only automatic—no option to go with a stick shift. The biggest bonus of this trim is the convertible top, so you get to choose roof on or off with this version.

Here's how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry who drive a Mini.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Mini Cooper S Clubman ALL4	Progressive	$363	Kyle, 25 Hiram, GA	• 50,000/100,000 Liability • Comp / Collision
Mini Cooper Clubman ALL4	Nationwide	$102	Sophia, 43 Reston, VA	• 100,000/300,000 Liability
Mini Cooper S Countryman	Travelers	$105	Edwin, 30 Richmond, TX	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	AAA	$142	Jesus, 31 Indianapolis, IN	• State Minimum Liability • Comp / Collision
Mini Cooper S	State Auto	$198	Lawrence, 26 Houston, TX	• State Minimum Liability

Last Updated Apr 23, 2024

how car insurance is calculated

Are Minis more expensive to insure?

Compared to the average cost of other cars, Mini vehicles cost 10% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Porsche	$83	$197
Mini	$90	$166
Hummer	$95	$165
Land Rover	$97	$197
RAM	$98	$189

Cheapest Minis to insure

The cheapest Mini model to insure is the 2007 Mini Cooper, which costs on average $60 per month for state minimum coverage or $61 per month for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2014 Mini Cooper	$73	$169
2015 Mini Cooper	$82	$178

Most expensive Minis to insure

The most expensive Mini model to insure is 2018 Mini Cooper, with an average monthly premium of $105 for state minimum coverage, or $175 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2018 Mini Cooper	$105	$175

Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.

What factors affect Mini car insurance rates?

Multiple factors change

, such as:

Vehicle cost: Collision coverage and comprehensive coverage are typically lower for older vehicles than new ones, while an electric car will be higher than a gas engine.

Vehicle age: Buying the latest 2023 vehicle will cost more than a used model.

Cost of parts: Replacement parts are imported from Europe, while BMW owns the Mini brand, so that’s not going to make it super cheap, which can increase your premium.

Your age: If you are under 25, expect a higher rate since you have less driving experience, while senior drivers face higher insurance rates from age 70 on.

Your driving record and claims history: A

good driving record

helps you save money on insurance, while a history of accidents or other violations will hurt your wallet.

Where you live: Places with higher crime, like a metropolis such as New York City, or higher cost of living also mean higher costs for insurance.

Here are some other things that affect auto insurance rates for the Mini:

Materials: Minis use more expensive parts since they are imported, and the BMW connection doesn’t necessarily help with pricing.

Safety: Minis are generally considered safe and get 4 out of 5 ratings for most safety tests, plus they have safety features in that tiny package, so insurance providers consider them less risky. However, those same insurers might consider the sportier convertibles risker, so it depends.

Reliability: Minis are about average for reliability ratings, so there is no major history of problems or recalls.

Brand: The Mini is one of those niche but very recognizable brands, and they are surprisingly affordable as an import and luxury car. If you live in a more rural area, you might have a harder time finding a local mechanic or parts, but you’ll still have options, particularly with the Mini’s connection to BMW.

Mini insurance cost for young drivers

If you’re a

teen driver

between 16 and 19, you’ll have to pay more for insurance versus other age groups. If you are a teen fortunate enough to drive a Mini, consider

full coverage

to offset the higher accident rate.

AAA

Leah (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Manchester, CT

senior drivers' auto insurance premiums

$154

per month

Travelers

Ricardo (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Orange, CA

Mini Cooper S Countryman

$160

per month

Mini insurance cost for senior drivers

As you age, expect car insurance bills to rise after retirement, usually around 70. Increased accident rates for older drivers mean

are usually higher. They are also more likely to be seriously injured, which results in extra medical bills. Auto insurance companies consider this a higher risk and offset their costs by charging you more.

Progressive

Nettie (65 years old)

Coverage

State Minimum

Irving, TX

$102

per month

Allstate

Samuel (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Maspeth, NY

Mini Cooper S Countryman

$499

per month

Safeco

Eddie (67 years old)

Coverage

State Minimum

Houston, TX

$108

per month

Clearcover

Myrtie (76 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Duluth, GA

Mini Cooper Countryman

$190

per month

Gainsco

Maud (75 years old)

Coverage

State Minimum

Lytle, TX

DUI conviction on your record

$73

per month

While your age affects your insurance rates, a number of other factors also play a role in determining how much you’ll pay to protect your vehicle. That’s why shopping for personalized insurance quotes is the best way to know what you can expect to pay for car insurance.

Mini insurance cost for drivers with driving violations

Your driving record affects the price of your Mini insurance. If you have zero driving violations or at-fault accidents, you’ll pay less, but expect higher bills if you've had any of the following in the last three to five years:

At-fault accidents

DUIs

Driving on a suspended license

Reckless driving

Speeding tickets

Cheapest car insurance for Mini drivers with a speeding ticket

Getting pulled over for speeding once usually doesn’t hurt your insurance rate, but multiple tickets or extreme speeding affects you. Jerry can still help Mini drivers dig up good insurance options if they have a few tickets.

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Speeding 1-5	Mini Cooper S	Progressive	$69	Hilda, 25 Dubuque, IA	• State Minimum Liability • Comp / Collision
Speeding 6-10	Mini Cooper Clubman	National General	$95	Walter, 42 Miami Beach, FL	• State Minimum Liability

Last Updated Apr 23, 2024

Cheapest car insurance for Mini drivers with a DUI

Having a

will increase your auto insurance premiums, but companies charge you a different rate if you have a DUI, so you need to look around. Finding the cheapest policy requires comparing quotes from different insurance companies–fortunately, Jerry can help you with that.

Progressive

Hallie (25 years old)

DUI

Coverage

State Minimum

Scottsdale, AZ

Mini Cooper S Countryman ALL4

$191

per month

Safeco

Floyd (34 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Valley Stream, NY

$510

per month

Mercury

Claudia (30 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Virginia Beach, VA

$206

per month

Bristol West

Blanche (41 years old)

DUI

Coverage

State Minimum

Sunnyvale, TX