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Compare quotes for Mini car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Mini car insurance often costs $1,609 per year. The cost of mini insurance varies depending on the model, the driver's history, location, and your insurance provider.
Finding one single insurance company with the most affordable rates for every Mini owner is a near-impossible task. If someone has multiple speeding tickets and drives a 2011 Mini Clubman, their insurance rates will be different than someone driving a 2003 Mini Hardtop with a clean driving record. This could make getting low-cost car insurance for your Mini difficult.
That’s exactly where Jerry, the trustworthy super app, comes in! Signing up takes less than a minute, and you'll be offered competitive prices from dozens of leading insurers. In this article, we'll go over everything that affects Mini insurance costs and give you some tips on how to find the best rates.

How much does Mini car insurance cost?

The annual average cost of Mini car insurance is $1,609. But costs will vary according to the model, the driver's record, the policy limits, and their location.
Thanks, in part, to their affordable price point, the cost to insure Minis is on the lower end. Solid safety ratings also help lower premiums, but the highest cost of replacement parts for Minis can potentially raise the cost of insurance.
The easiest method to ensure you're receiving the best deal on Mini insurance is to compare quotes from several companies, and Jerry is here to help you do just that!
In less than a minute, Jerry evaluates insurance quotes from more than 55 providers, guaranteeing you get the best coverage and lowest price without having to sort through policies, make calls, or deal with all the other typical headaches.
Check out the table below to learn what Mini insurance rates Jerry has to offer and read reviews from actual Jerry clients.
Quote DateCar
Before Jerry
After Jerry
LocationZip CodeNameAgeInsurance Company
April 27, 2023Mini Cooper$116/mo.$66/mo.Pittsburgh, PA15219Norman H.47
The General
September 23, 2022Mini Cooper S$108/mo.$84/mo.Pittsburgh, PA15224Carlos T.32Progressive
June 9, 2022Mini Cooper S Countryman$164/mo.$84/mo.Chicago, IL60640Ronnie M.27Clearcover
May 31, 2022Mini Cooper S$250/mo.$191/mo.Potomac, MD20854Richard S.34Progressive
April 27, 2020Mini Cooper S Countryman$90/mo.$72/mo.San Diego, CA92128Bill P.63Allstate

How much insurance do you need for a Mini?

The insurance requirements of each driver are decided by several factors, including the age of your Mini and the state in which it is registered.
At the very least, you must obtain your state's minimum required car insurance, which typically includes liability coverage (bodily injury liability and property damage liability). If you are at fault in an accident, this coverage ensures that you are not required to pay the other driver's expenditures.
However, depending on your state, you may be required to obtain one of the following forms of insurance:
You will be legally covered if you fulfill your state's minimum standards, but you may not have the full spectrum of coverage that you actually require. A "full coverage car insurance policy" with collision and comprehensive coverage is usually a good idea.
Collision insurance, as the name indicates, compensates for damage caused by collisions with other vehicles or objects. Comprehensive coverage, on the other hand, covers damages caused by events other than crashes, such as severe weather, vandalism, or theft.
To cover the difference between the value of your vehicle and your outstanding loan debt, your lender may even require that you purchase "full coverage" and gap insurance.

Mini car insurance rates by model

The model you drive has a significant impact on the price of your Mini insurance. In general, smaller and more durable vehicles, such as the Mini Cooper Clubman, will cost less to insure their sportier counterparts, such as the Mini Cooper Coupe S.
But there's much more to it than that. Let's take a look at the typical annual insurance costs for some of the most popular Mini models.

How much does Mini Cooper Countryman insurance cost?

Minis and cargo space may seem contradictory, but the Countryman aims to change that mindset. The car has greater storage capacity and headroom than previous Mini models, which can be pretty useful—though this larger size can make for higher insurance rates.
The table below will break down how typical premiums for Cooper Countryman drivers can differ due to their coverage amounts and vehicle age. 
CarFull CoverageMinimum Coverage
2017 Mini Cooper Countryman$1,929$1,186
2016 Mini Cooper Countryman$3,185$1,303
2013 Mini Cooper Countryman$2,612$1,188
2010 Mini Cooper Countryman$2,535$1,039
2009 Mini Cooper Countryman$2,461$1,099
Check out our comprehensive guide on Mini Cooper Countryman insurance costs for more details!

How much does Mini Cooper S Paceman insurance cost?

The power of the Mini Cooper S Paceman comes from its 212-hp four-cylinder engine and six-speed manual transmission. Combined with the fact it’s on the pricier end of the Mini lineup, the Mini Cooper S Paceman can see steeper car insurance premiums.
If you want to see how full and minimum coverage impacts your Cooper S Paceman insurance rates, check out the table below.
CarFull CoverageMinimum Coverage
2017 Mini Cooper S Paceman$1,929$1,186
2016 Mini Cooper S Paceman$3,185$1,303
2013 Mini Cooper S Paceman$2,612$1,188
2010 Mini Cooper S Paceman$2,535$1,039
2009 Mini Cooper S Paceman$2,461$1,099
The cost of Cooper S Paceman insurance is also affected by your particular driving history. Here's how much drivers with moving infractions paid for comparable insurance on a Mini Cooper S Paceman.
Check out our comprehensive guide on Mini Cooper S Paceman insurance costs for more details!

How much does Mini Cooper insurance cost?

The brand’s most iconic model, the Mini Cooper dates back to the early 1960s. Modern iterations still retain its core values, with a car that’s fun to drive, eye-catchingly stylish, and very customizable.
Here’s a breakdown of the average annual premiums for Mini Cooper owners.
CarFull CoverageMinimum Coverage
2017 Mini Cooper$1,929$1,186
2016 Mini Cooper$3,185$1,303
2013 Mini Cooper$2,612$1,188
2010 Mini Cooper$2,535$1,039
2009 Mini Cooper$2,461$1,099
Check out our comprehensive guide on Mini Cooper insurance costs for more details!

How much does Mini Cooper Clubman insurance cost?

The Clubman, with four side doors and low, boxy cargo space, is more practical than a traditional Mini while maintaining a strong dose of fun. Cooper Clubman owners have some of the most affordable insurance rates for Mini owners, thanks to its overall sturdiness and lower riskiness on the road.
It’s still important to note that your age, driving record, and coverage choices can influence your Cooper Clubman’s insurance costs:
CarFull CoverageMinimum Coverage
2017 Mini Cooper Clubman$1,929$1,186
2016 Mini Cooper Clubman$3,185$1,303
2013 Mini Cooper Clubman$2,612$1,188
2010 Mini Cooper Clubman$2,535$1,039
2009 Mini Cooper Clubman$2,461$1,099
Check out our comprehensive guide on Mini Cooper Clubman insurance costs for more details!

How much does Mini Cooper John Cooper Works insurance cost?

The John Cooper Works models are some of the most luxurious Minis available, including a turbocharged engine, a Convertible option, and high-performance ratings. 
With all the fun that comes from driving a Mini Cooper John Cooper Works, some reliability issues and a more performance-oriented ride can make for pricier insurance rates.
CarFull CoverageMinimum Coverage
2017 Mini Cooper John Cooper Works$1,929$1,186
2016 Mini Cooper John Cooper Works$3,185$1,303
2013 Mini Cooper John Cooper Works$2,612$1,188
2010 Mini Cooper John Cooper Works$2,535$1,039
2009 Mini Cooper John Cooper Works$2,461$1,099
Check out our comprehensive guide on Mini Cooper John Cooper Works insurance costs for more details!

Compare Mini car insurance quotes

There is no guarantee you will find a policy specifically tailored to you and your particular car, no matter how many hours you spend sifting through policies and calling providers.
You won't need to waste time calling, sending emails, and changing policies if you use the Jerry app instead. Within 45 seconds of downloading the app, you can receive multiple real-time quotes from the best insurance providers for Mini owners.
Jerry can help you look around for the best deals on all the insurance coverage you need at the prices you want.

Best car insurance companies for your Mini

Companies like National General, Progressive, and Safeco can provide some of the best insurance rates to Mini owners, but no individual insurer can provide the lowest insurance rates for Mini drivers.
This is because each auto insurance provider uses a unique algorithm to figure out its rates. One carrier could provide price reductions if you have an impeccable driving record, while another might give cars with enhanced safety features more of a discount.
Jerry, luckily, can quickly compare quotes from 55+ major insurance providers, making it easier than ever to get the best coverage for you and your Mini.
Find out how much you can save with Jerry by comparing Mini car insurance quotes from different carriers:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,665$1,054
State Auto$2,543$459
Compare Prices

Mini auto insurance cost by driving record

Your driving record also has a significant impact on your Mini insurance costs.
If you drive carefully, you’ll most likely have cheaper insurance prices; even minor offenses can increase your insurance premiums. Mini drivers convicted of DUI may anticipate spending an additional $1,609for auto insurance annually, while a speeding ticket can add another $1,609 to your annual premiums!
In the table below, you can see how having a clean driving record could considerably reduce your Mini insurance prices.

Mini car insurance cost by location

Your location is the last thing you should consider. Given the insurance prices range depending on your vehicle and where you live, Mini owners in New York and Georgia will pay different premiums.
Want to compare your rates to the national average? See the table below.
Average Cost
Annual Savings with Jerry
Virginia Beach$3,482$2,249
Compare Prices

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