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Updated on Nov 21, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Mini car insurance cost?
How to find the cheapest Mini car insurance Quotes
Insurance costs for popular Mini models
What factors affect Mini car insurance rates?
How can I lower the cost of my Mini car insurance?
FAQs
Methodology
Meet Our Experts

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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!

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
November 20, 2024	Mini Cooper S	AAA	$154	Harvey, 24 Manchester, CT	• 50,000/100,000 Liability • Comp / Collision
November 11, 2024	Mini Cooper S Countryman	Nationwide	$172	Julia, 41 Denver, CO	• State Minimum Liability • Comp / Collision
November 10, 2024	Mini Cooper	Progressive	$94	Eleanor, 32 Tucson, AZ	• 100,000/300,000 Liability • Comp / Collision
November 8, 2024	Mini Cooper	Clearcover	$89	Lizzie, 28 Meridianville, AL	• State Minimum Liability • Comp / Collision
November 7, 2024	Mini Cooper S Countryman	Travelers	$115	Marie, 25 Des Moines, IA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 20, 2024

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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 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

Mini Cooper

. 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	$82	$151
Cooper Clubman	$73	$155
Cooper S Countryman	$90	$202
Cooper Countryman	$86	$161
Cooper Mini Cooper	$102	$164

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 Countryman	Progressive	$116	Danny, 23 Colton, CA	• 50,000/100,000 Liability
Mini Cooper John Cooper Works	AAA	$517	Eula, 20 Glastonbury, CT	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S Countryman	Nationwide	$172	Austin, 41 Denver, CO	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	Travelers	$115	Ida, 25 Des Moines, IA	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S	Bristol West	$136	Louise, 27 Casper, WY	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

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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 Countryman	Progressive	$116	Danny, 23 Colton, CA	• 50,000/100,000 Liability
Mini Cooper John Cooper Works	AAA	$517	Eula, 20 Glastonbury, CT	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S Countryman	Nationwide	$172	Austin, 41 Denver, CO	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	Travelers	$115	Ida, 25 Des Moines, IA	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S	Bristol West	$136	Louise, 27 Casper, WY	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

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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 Countryman	Progressive	$116	Danny, 23 Colton, CA	• 50,000/100,000 Liability
Mini Cooper John Cooper Works	AAA	$517	Eula, 20 Glastonbury, CT	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S Countryman	Nationwide	$172	Austin, 41 Denver, CO	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	Travelers	$115	Ida, 25 Des Moines, IA	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S	Bristol West	$136	Louise, 27 Casper, WY	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

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Mini Cooper JCW insurance costs

This particular model is named

Mini Cooper John Cooper Works (JCW)

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 Countryman	Progressive	$116	Danny, 23 Colton, CA	• 50,000/100,000 Liability
Mini Cooper John Cooper Works	AAA	$517	Eula, 20 Glastonbury, CT	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S Countryman	Nationwide	$172	Austin, 41 Denver, CO	• State Minimum Liability • Comp / Collision
Mini Cooper S Countryman	Travelers	$115	Ida, 25 Des Moines, IA	• 100,000/300,000 Liability • Comp / Collision
Mini Cooper S	Bristol West	$136	Louise, 27 Casper, WY	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

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Are Minis more expensive to insure?

Compared to the average cost of other cars, Mini vehicles cost 15% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Mini	$90	$166
Chrysler	$91	$179
Chevrolet	$92	$174
Hyundai	$101	$186
Infiniti	$105	$213

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

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.

AAA

Olive (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Manchester, CT

Mini Cooper S

$154

per month

Clearcover

Sophie (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Santa Rosa, CA

Mini Cooper

$94

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.

Progressive

Millie (71 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bullhead City, AZ

Mini Cooper

$121

per month

Safeco

Jayden (68 years old)

Coverage

State Minimum

Houston, TX

Mini Cooper S

$108

per month

Allstate

Betty (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Ames, IA

Mini Cooper

$91

per month

Mercury

Genevieve (67 years old)

Coverage

State Minimum

Fort Myers Beach, FL

Mini Cooper

$114

per month

National General

Delia (66 years old)

Coverage

State Minimum

Roseville, CA

Mini Cooper S

$61

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	Bristol West	$111	Hunter, 35 Souderton, PA	• 50,000/100,000 Liability
Speeding 6-10	Mini Cooper S	Progressive	$123	Julian, 27 Tinton Falls, NJ	• 15,000/30,000 Liability

Last Updated Nov 18, 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.

Progressive

Caleb (41 years old)

DUI

Coverage

State Minimum

El Paso, TX

Mini Cooper S Paceman

$113

per month

Safeco

Derek (35 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Valley Stream, NY

Mini Cooper S Countryman ALL4

$510

per month

National General

Virginia (34 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

South Bend, IN

Mini Cooper Countryman

$104

per month

Gainsco

Violet (41 years old)

DUI

Coverage

State Minimum

Sunnyvale, TX

Mini Cooper

$93

per month

Electric

Ophelia (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Virginia Beach, VA

Mini Cooper

$124

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 type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With Injury	Mini Cooper S Countryman	Progressive	$116	Danny, 23 Colton, CA	• 50,000/100,000 Liability
At Fault With Injury	Mini Cooper S	AAA	$122	Frank, 45 Wilmington, DE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Mini Cooper S	Safeco	$185	Winnie, 44 Fort Lauderdale, FL	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Mini Cooper	Clearcover	$89	May, 28 Meridianville, AL	• State Minimum Liability • Comp / Collision
Not At Fault	Mini Cooper Countryman	Mercury	$108	Sean, 37 Cudjoe Key, FL	• State Minimum Liability • Comp / Collision

Last Updated Nov 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.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Illegal Turn	Mini Cooper Clubman	Progressive	$232	Danny, 29 Rex, GA	• 50,000/100,000 Liability • Comp / Collision
Defective Equipment	Mini Cooper	Allstate	$179	Oscar, 24 Greeley, CO	• 50,000/100,000 Liability • Comp / Collision
Failure to Obey Signal	Mini Cooper Countryman ALL4	Safeco	$209	Ora, 24 Scottsdale, AZ	• State Minimum Liability • Comp / Collision
Wrong Way/Wrong Lane	Mini Cooper S	Progressive	$110	Daisy, 25 Jacksonville, FL	• State Minimum Liability • Comp / Collision
Careless Driving	Mini Cooper	Mercury	$114	Aaron, 66 Fort Myers Beach, FL	• State Minimum Liability
Driving on Sus. License	Mini Cooper Clubman	National General	$95	Anthony, 42 Miami Beach, FL	• State Minimum Liability
Failure to Obey Signal	Mini Cooper S	Travelers	$79	Kenneth, 59 Phoenix, AZ	• 15,000/30,000 Liability
Seat Belt	Mini Cooper S	Bristol West	$157	Sue, 26 Tinton Falls, NJ	• 15,000/30,000 Liability

Last Updated Nov 20, 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

Is insurance higher for small cars?

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.

Are Minis cheap to insure for new drivers?

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.

Is a Mini Cooper considered a sports car for insurance?

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.

Are minis expensive to insure?

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.

How much is car insurance for a Mini Cooper?

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

R.E. Fulton

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.

Lina Zhang

Licensed Insurance Agent

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.

Josh Damico

Head Of Insurance Operations

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.