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Cheapest Mini Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Mini.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Mini car insurance cost? 

When you think of the Mini, you probably automatically think of the Mini Cooper, but their lineup has evolved to offer much more. If you want a luxury brand car that is all about fun-sized style, you can pick your flavor, from convertibles to the original and iconic mini, and even a four-door option. 
Mini drivers pay an average of $1,080 per year for
auto insurance
—but every Mini car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.

How to find the cheapest Mini car insurance Quotes

We closely analyzed Mini insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 19, 2024
Mini Cooper S CountrymanTravelers
$105
• State Minimum Liability
• Comp / Collision
July 7, 2024
Mini Cooper S E Countryman ALL4Nationwide
$249
• 250,000/500,000 Liability
• Comp / Collision
July 4, 2024
Mini Cooper John Cooper WorksAAA
$517
• 100,000/300,000 Liability
• Comp / Collision
July 2, 2024
Mini CooperSafeco
$118
• 50,000/100,000 Liability
• Comp / Collision
July 1, 2024
Mini Cooper ClubmanBristol West
$274
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

The best car insurance companies for Mini drivers

When
shopping for car insurance
, 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safe Auto
Easy to get insured, top quality service and excellent coverage
Mitchell
Safeco
The customer service is impeccable. They always recommend the least expensive way for your coverages.
Timoth
National General
Great company and great insurance
William
ClearCover
Savings I thought were too good to be true. Super friendly helpful people.
Jane

Are Minis more expensive to insure?

Compared to the average cost of other cars, Mini vehicles cost 10% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Mini
$90
$166
Chrysler
$91
$179
Honda
$95
$169
Cadillac
$97
$198
Hyundai
$101
$186

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 MakeAverage Monthly State Minimum Insurance CostAverage 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 MakeAverage Monthly State Minimum Insurance CostAverage 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
how car insurance is calculated
, 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.

card cover
Leah (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMini Cooper S
$154
per month
card cover
Ricardo (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationOrange, CA
carMini 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
senior drivers' auto insurance premiums
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.

card cover
Nettie (65 years old)
coverageCoverage
State Minimum
locationIrving, TX
carMini Cooper S
$102
per month
card cover
Samuel (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMini Cooper S Countryman
$499
per month
card cover
Eddie (67 years old)
coverageCoverage
State Minimum
carMini Cooper S
$108
per month
card cover
Clearcover
Myrtie (76 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMini Cooper Countryman
$190
per month
card cover
Gainsco
Maud (75 years old)
coverageCoverage
State Minimum
$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 TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Mini Cooper SProgressive
$69
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Mini Cooper ClubmanNational General
$95
• State Minimum Liability
coverageLast Updated Jul 19, 2024

Cheapest car insurance for Mini drivers with a DUI

Having a
DUI conviction on your record
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.

card cover
Hallie (25 years old)
DUI
coverageCoverage
State Minimum
carMini Cooper S
$191
per month
card cover
Floyd (34 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMini Cooper S Countryman ALL4
$510
per month
card cover
Claudia (30 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$206
per month
card cover
Blanche (41 years old)
DUI
coverageCoverage
State Minimum
$114
per month
card cover
Ann (33 years old)
DUI
coverageCoverage
State Minimum
carMini Cooper S Clubman
$86
per month

Cheapest car insurance for Mini drivers after an accident

Your insurance prices are tied to your accident or claims history, among other things. Expect a bump in your auto insurance rates if you were in an at-fault accident or have a lot of claims. Jerry can help drivers save money on auto insurance regardless of driving history.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Mini Cooper S CountrymanProgressive
$113
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Mini Cooper SSafeco
$308
• State Minimum Liability
At Fault With No Injury
Mini Cooper CountrymanBristol West
$279
• State Minimum Liability
At Fault With No Injury
Mini Cooper SState Auto
$70
• 100,000/300,000 Liability
At Fault With Injury
Mini Cooper ClubmanEncompass
$292
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

Cheapest car insurance for Mini drivers with other driving violations on their record

Beyond DUIs and speeding, other moving violations can hurt your insurance rates–if you are written up for something like reckless driving or
driving on a suspended license
, you’ll end up with a higher insurance bill. Let’s look at common driving violations that can change your rate and see how to find affordable options. 

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Mini Cooper ClubmanProgressive
$232
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Mini CooperAllstate
$179
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Mini Cooper Countryman ALL4Safeco
$209
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Mini Cooper SProgressive
$110
• State Minimum Liability
• Comp / Collision
Careless Driving
Mini CooperMercury
$114
• State Minimum Liability
Driving on Sus. License
Mini Cooper ClubmanNational General
$95
• State Minimum Liability
Failure to Obey Signal
Mini Cooper STravelers
$79
• 15,000/30,000 Liability
Seat Belt
Mini Cooper SBristol West
$157
• 15,000/30,000 Liability
coverageLast Updated Jul 16, 2024

How can I lower the cost of my Mini car insurance?

Don’t worry, you can still save money when insuring a Mini vehicle, regardless of your age, driving history, and more. Here are a few tips:  
  • Shop around:
    Compare costs and alternatives
    before selecting an insurance plan to get the best value. To help you understand your options, Jerry gathers quotes from more than 50 reputable companies. Jerry can even help you cancel your current insurance and sign up for a new one if you'd like.
  • Opt for a less expensive model: Getting the best or priciest model will cost you on insurance, so consider a used vehicle or something less flashy.
  • Bundle your insurance policies:
    Bundling home and auto insurance
    with the same company often leads to a discount for your insurance. 
  • Participate in a telematics program: Some companies can track your driving habits using technology. You could earn a discount on your premium if you demonstrate safe driving skills.
  • Reduce your coverage: If you have an older Mini, consider
    cutting back on coverage
    to save money.
  • Raise your deductible: Increasing your out-of-pocket deductible can save you on insurance premiums–just don’t go overboard.

FAQs

It depends, and in the case of the Mini, it does not negatively impact your cost. Small cars can be easier to flip or will sustain more damage in an accident, so it can lead to higher rates, but Minis tend to have a lower chance of rollovers thanks to their heavier weight. They have mostly 4 out of 5 safety ratings, so they are above average for official safety tests as well.
Sort of… but you’ll have to pay more as a new driver to begin with, sometimes three times as much, but Minis also have lower-than-average insurance rates for their size and price point.
Young drivers can find ways to save
, such as by adding yourself to your parents’ existing insurance or taking an approved safety course to earn a discount with an insurer.
It depends on the trim. Most Minis are not classified as sports cars, so it doesn’t hurt your rate, but some of them are, like convertibles. In general, you don’t have to worry about a higher rate, but you’ll likely see an increase in your bill if you purchase a convertible.
Actually, no, they are below average when it comes to insurance, but it depends on the model. You'll save money if you have a used Mini or an older car. If you buy a new 2023 vehicle with a loan, your lender will expect you to get full coverage to protect them if something happens. Still, you can expect to pay an average $166 if you need full coverage or $90 if you stick with the state minimum.
Overall, you can expect around $128 per month or $1536 per year if you have a Mini Cooper. Of course, variables like which state you live in, your age, and if you have a clean driving record affect your rate. A newer model will also be more expensive than a used version.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.