Cheapest Mini Cooper Car Insurance (Nov 2024)

Written by Kianna Walpole and 2 others
Nov 22, 2024
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Cheapest Mini Cooper Car Insurance (Nov 2024)

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How much does Mini Cooper car insurance cost?

On average, Mini Cooper drivers spend $90 each month on state minimum car insurance and $166 per month for full coverage. Compared to other popular cars like the Ram 1500, Cadillac Escalade, and Chevrolet Camaro, the Mini Cooper is 24% more expensive to insure.

However, there is no real “average” cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Mini Cooper insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

Compare the cheapest Mini Cooper car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
November 27, 2024 Mini Cooper Se Progressive $341 Clifford, 24, Houston, TX State Minimum Yes
November 27, 2024 Mini Cooper Gainsco $106 George, 45, Astoria, OR State Minimum No
November 26, 2024 Mini Cooper S E Countryman All4 The General $73 Craig, 35, Forest Hill, TX State Minimum No
November 26, 2024 Mini Cooper S Progressive $300 Brent, 27, New York, NY 50/100 Yes
November 25, 2024 Mini Cooper Progressive $197 William, 22, Baton Rouge, LA State Minimum Yes
Last Updated Nov, 2024

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Mini Cooper, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Mini Cooper owners

There’s no single best insurance company for all Mini Cooper owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7

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.

How much car insurance do you need for a Mini Cooper?

The average cost of Mini Cooper insurance is $166 per month for full coverage and $90 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Mini Cooper$166$90
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Mini Cooper trims.

CarMonthly minimum coverage costMonthly full coverage cost
Cooper Mini$97$163
Cooper Mini Clubman$73$165
Cooper Mini Countryman$79$159
Cooper Mini$97$173
Cooper Mini JCW Clubman$50$202
Cooper Mini John Cooper Works$59$142
Cooper Mini S$86$154
Cooper Mini S Clubman$110$186
Cooper Mini S Countryman$89$197
Cooper Mini S Paceman$133$178

Mini Cooper insurance cost by model year

The more recently your Mini Cooper was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Mini Coopers provided by Jerry to better understand how your driver profile might affect your cost.

2023 Mini Cooper car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Mini Cooper:

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2023 Dairyland $445 Shane, 23, Los Angeles, CA State Minimum No
Cooper 2023 Anchor General $101 Catherine, 27, Los Angeles, CA State Minimum No
Cooper 2023 National General $108 Florence, 50, West Hollywood, CA State Minimum No
Cooper 2023 National General $200 Rose, 30, Charlotte, NC State Minimum Yes
Cooper 2023 Progressive $202 Rosetta, 44, Westbury, NY State Minimum No
Last Updated Nov, 2024

2022 Mini Cooper car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Mini Cooper drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2022 Progressive $341 Clifford, 24, Houston, TX State Minimum Yes
Cooper 2022 Progressive $300 Brent, 27, New York, NY 50/100 Yes
Cooper 2022 National General $272 Cory, 26, Sacramento, CA State Minimum Yes
Cooper 2022 Progressive $846 Vernon, 50, Brooklyn, NY State Minimum Yes
Cooper 2022 National General $248 Delia, 26, Smyrna, GA State Minimum Yes
Last Updated Nov, 2024

2021 Mini Cooper car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Mini Cooper:

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2021 Progressive $252 Alfred, 22, Kennesaw, GA State Minimum Yes
Cooper 2021 Aspire Advantage $136 Jonathan, 24, Los Angeles, CA State Minimum No
Cooper 2021 Bristol West $465 Jayden, 29, Treasure Island, FL No Coverage Yes
Cooper 2021 Bristol West $110 Christine, 60, Browns Mills, NJ 25/50 No
Cooper 2021 National General $104 Sarah, 33, Pasadena, CA State Minimum No
Last Updated Nov, 2024

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Mini Cooper with our real quote examples below:

2020 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2020 Progressive $720 Carrie, 62, New York, NY State Minimum No
Cooper 2020 National General $86 Clifford, 32, Studio City, CA State Minimum No
Cooper 2020 Progressive $129 Elizabeth, 22, Washington, DC State Minimum No
Cooper 2020 National General $83 Alan, 22, Sacramento, CA State Minimum No
Cooper 2020 Progressive $52 Andrew, 38, Knoxville, TN State Minimum Yes
Last Updated Nov, 2024

2019 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2019 The General $73 Craig, 35, Forest Hill, TX State Minimum No
Cooper 2019 Aspire Advantage $239 Ruby, 25, San Jose, CA State Minimum Yes
Cooper 2019 Progressive $107 Helena, 27, Friendswood, TX State Minimum Yes
Cooper 2019 Gainsco $290 Lucile, 26, Hoschton, GA State Minimum Yes
Cooper 2019 Progressive $103 Howard, 70, Baytown, TX State Minimum Yes
Last Updated Nov, 2024

2018 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2018 Progressive $140 Georgia, 24, Jackson, TN State Minimum Yes
Cooper 2018 Dairyland $394 Lura, 31, San Francisco, CA State Minimum Yes
Cooper 2018 National General $394 Leona, 41, Wichita, KS State Minimum Yes
Cooper 2018 National General $207 Trevor, 23, Norcross, GA State Minimum No
Cooper 2018 Progressive $216 May, 40, Lewisville, TX State Minimum Yes
Last Updated Nov, 2024

2017 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2017 National General $84 Travis, 36, Los Angeles, CA State Minimum No
Cooper 2017 Assurance America $109 Addie, 58, Hampton, GA State Minimum No
Cooper 2017 Bristol West $43 Ora, 53, San Jose, CA State Minimum No
Cooper 2017 Bristol West $64 Emily, 49, San Bruno, CA State Minimum No
Cooper 2017 Assurance America $67 Vernon, 37, New Port Richey, FL No Coverage No
Last Updated Nov, 2024

2016 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2016 Progressive $160 Maud, 55, Port Orchard, WA State Minimum Yes
Cooper 2016 Progressive $94 Harriet, 32, Tucson, AZ 100/300 Yes
Cooper 2016 National General $264 Ralph, 33, Oakland, CA State Minimum Yes
Cooper 2016 National General $317 Eunice, 55, Union City, CA 50/100 Yes
Cooper 2016 Aspire Advantage $37 Anne, 33, Imperial, CA State Minimum No
Last Updated Nov, 2024

2015 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2015 Bristol West $234 Ina, 32, Montclair Township, NJ 250/500 No
Cooper 2015 National General $328 Travis, 42, Miami, FL No Coverage Yes
Cooper 2015 Gainsco $70 Gilbert, 43, San Angelo, TX State Minimum No
Cooper 2015 Commonwealth Insurance $173 Kenneth, 24, Houston, TX State Minimum No
Cooper 2015 National General $66 Lucy, 71, Bullhead City, AZ 50/100 Yes
Last Updated Nov, 2024

2014 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2014 Progressive $185 Emma, 22, Gastonia, NC 100/300 Yes
Cooper 2014 Progressive $355 Hattie, 25, Woodland Hills, CA State Minimum Yes
Cooper 2014 National General $209 Vera, 52, Tarzana, CA State Minimum Yes
Cooper 2014 Dairyland $252 Iva, 37, Fresno, CA 50/100 Yes
Cooper 2014 Progressive $128 Peter, 28, Boca Raton, FL No Coverage No
Last Updated Nov, 2024

2013 Mini Cooper car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Cooper 2013 Progressive $116 Theodore, 23, Colton, CA 50/100 No
Cooper 2013 Progressive $221 Rosalie, 47, Newnan, GA 50/100 Yes
Cooper 2013 National General $157 Amy, 27, Miami, FL No Coverage No
Cooper 2013 Bristol West $136 Anthony, 27, Casper, WY State Minimum Yes
Cooper 2013 National General $58 Flora, 29, San Diego, CA State Minimum No
Last Updated Nov, 2024

Are Mini Coopers expensive to insure?

The average Mini Cooper insurance rate is $90 per month. Compared to the national average for other models from a similar price range, it is 24% more expensive to insure a Mini Cooper.

CarMonthly minimum coverage costMonthly full coverage cost
Mini Cooper$90$166
Toyota Land$76$152
Jeep Wrangler$85$150
Buick Encore$90$168
Ford Transit$107$161

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Mini Cooper safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.

The two best-known vehicle safety rating organizations are:

  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Mini Cooper.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Headlights (varies by trim/option)Average/Poor depending on trim/option
Front crash prevention: vehicle-to-vehicleAdvanced
LATCH ease of useMarginal

What other factors affect Mini Cooper insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Mini Cooper insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Mini Cooper insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Mini Cooper insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Mini Cooper drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Hyundai Palisade drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Major Mini Cooper Progressive $54 Lena, 64, Saint George, UT State Minimum No
Speeding Violation-Minor Mini Cooper Jcw Countryma Progressive $129 Elizabeth, 22, Washington, DC State Minimum No
Speeding Violation-Major Mini Cooper National General $66 Lucy, 71, Bullhead City, AZ 50/100 Yes
Speeding Violation-Minor Mini Cooper Progressive $48 Augusta, 45, Great Falls, MT 100/300 Yes
Speeding 6-10 Mini Cooper Se National General $562 Eula, 28, San Francisco, CA State Minimum Yes
Last Updated Nov, 2024

Cheapest car insurance for Mini Cooper drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Mini Cooper drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Mini Cooper drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Mini Cooper drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
At Fault With No Injury Mini Cooper Gainsco $106 Marvin, 45, Astoria, OR State Minimum No
Not At Fault Mini Cooper S E Countryman All4 The General $73 David, 35, Forest Hill, TX State Minimum No
At Fault With Injury Mini Cooper Progressive $185 Jason, 22, Gastonia, NC 100/300 Yes
At Fault With No Injury Mini Cooper Clubman Bluefire $74 Rose, 23, Lindale, TX State Minimum No
At Fault With No Injury Mini Cooper Bristol West $234 Susie, 32, Montclair Township, NJ 250/500 No
Last Updated Nov, 2024

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

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Mini Cooper drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Operating Vehicle without Permission Mini Cooper S E Countryman All4 The General $73 David, 35, Forest Hill, TX State Minimum No
Careless Driving Mini Cooper Bristol West $234 Susie, 32, Montclair Township, NJ 250/500 No
Failure to Obey Signal Mini Cooper S Progressive $720 Josephine, 62, New York, NY State Minimum No
DUI Mini Cooper Countryman National General $209 Leo, 52, Tarzana, CA State Minimum Yes
Failure to Obey Signal Mini Cooper S Countryman Dairyland $445 Allie, 23, Los Angeles, CA State Minimum No
Last Updated Nov, 2024

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

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.

FAQ

  • How much is the insurance for a MINI Cooper?
  • How much is insurance for a 2010 Mini Cooper?
  • Is a Mini cheap to insure?
  • Are Mini Coopers expensive to insure for new drivers?
  • Why are Mini Coopers so expensive?
  • Is a Mini Cooper considered a sports car for insurance?
  • Who has the cheapest car insurance for a Mini Cooper?
MEET OUR EXPERTS
meet-experts-thumbnail
Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

meet-experts-thumbnail
Sarah Gray

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*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.

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.