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 23, 2024 | Mini Cooper S | Progressive | $140 | Rachel, 24, Jackson, TN | State Minimum | Yes |
| November 22, 2024 | Mini Cooper | Mendota | $78 | Vincent, 36, Pahrump, NV | State Minimum | No |
| November 22, 2024 | Mini Cooper S | National General | $82 | Cory, 72, New Port Richey, FL | No Coverage | No |
| November 22, 2024 | Mini Cooper S Countryman | Dairyland | $394 | Alexander, 31, San Francisco, CA | State Minimum | Yes |
| November 22, 2024 | Mini Cooper | Gainsco | $395 | Shawn, 32, Mcdonough, GA | State Minimum | Yes |
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 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.
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.
| Car | Average Full Coverage Insurance Cost | Average 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.
| Car | Monthly minimum coverage cost | Monthly 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 | National General | $200 | Johnny, 30, Charlotte, NC | State Minimum | Yes |
| Cooper 2023 | Progressive | $432 | Mark, 33, Little Ferry, NJ | 100/300 | Yes |
| Cooper 2023 | Progressive | $268 | Clifford, 27, Nashville, TN | State Minimum | Yes |
| Cooper 2023 | Progressive | $338 | Lelia, 33, High Point, NC | State Minimum | Yes |
| Cooper 2023 | Progressive | $106 | Marvin, 30, Louisville, KY | State Minimum | Yes |
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 | $188 | Caleb, 30, Valley Village, CA | 100/300 | Yes |
| Cooper 2022 | National General | $272 | Lelia, 26, Sacramento, CA | State Minimum | Yes |
| Cooper 2022 | Progressive | $212 | Martin, 38, Cape Coral, FL | 100/300 | Yes |
| Cooper 2022 | Progressive | $133 | Cordelia, 31, Duarte, CA | 100/300 | Yes |
| Cooper 2022 | Aspire Advantage | $250 | Sara, 40, Clovis, CA | State Minimum | Yes |
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 | $507 | Ronald, 46, Jamaica, NY | 100/300 | Yes |
| Cooper 2021 | Nationwide | $350 | Amelia, 36, San Francisco, CA | 100/300 | Yes |
| Cooper 2021 | Progressive | $481 | Inez, 27, Queens, NY | State Minimum | Yes |
| Cooper 2021 | Progressive | $637 | Alta, 27, Los Angeles, CA | 50/100 | Yes |
| Cooper 2021 | Gainsco | $159 | Abbie, 38, Santa Fe, NM | State Minimum | Yes |
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 | National General | $76 | Ophelia, 32, Los Angeles, CA | State Minimum | No |
| Cooper 2020 | Progressive | $52 | Margaret, 38, Knoxville, TN | State Minimum | Yes |
| Cooper 2020 | Progressive | $221 | Norman, 57, Frisco, TX | 100/300 | Yes |
| Cooper 2020 | Progressive | $272 | Anthony, 28, Astoria, NY | State Minimum | No |
| Cooper 2020 | Bristol West | $1,049 | Lulu, 35, Astoria, NY | State Minimum | Yes |
2019 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2019 | Bristol West | $569 | Josie, 42, Houston, TX | 50/100 | Yes |
| Cooper 2019 | Progressive | $299 | Landon, 42, Princeton, TX | 100/300 | Yes |
| Cooper 2019 | Nationwide | $177 | Frederick, 39, New York, NY | 100/300 | Yes |
| Cooper 2019 | Progressive | $162 | Louis, 39, Staten Island, NY | State Minimum | Yes |
| Cooper 2019 | Bristol West | $842 | Stanley, 48, Freeport, NY | 50/100 | Yes |
2018 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2018 | National General | $119 | Viola, 39, Miami Beach, FL | State Minimum | No |
| Cooper 2018 | Progressive | $152 | Brett, 37, Queens, NY | State Minimum | No |
| Cooper 2018 | Travelers | $146 | Ada, 32, New York, NY | 100/300 | Yes |
| Cooper 2018 | Travelers | $185 | Herman, 32, Mount Pleasant, SC | 50/100 | Yes |
| Cooper 2018 | Allstate | $714 | Clarence, 32, Torrance, CA | 100/300 | Yes |
2017 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2017 | Progressive | $198 | Lou, 47, San Francisco, CA | 50/100 | Yes |
| Cooper 2017 | National General | $205 | Nettie, 47, West Palm Beach, FL | State Minimum | Yes |
| Cooper 2017 | Nationwide | $164 | Virgie, 40, Baltimore, MD | 100/300 | Yes |
| Cooper 2017 | Progressive | $373 | Rosa, 48, Los Angeles, CA | 100/300 | Yes |
| Cooper 2017 | Progressive | $288 | Elva, 33, Yonkers, NY | State Minimum | Yes |
2016 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2016 | Plymouth Rock | $158 | Vincent, 49, Hoboken, NJ | 25/50 | Yes |
| Cooper 2016 | Assurance America | $159 | Edna, 61, Jonesboro, GA | State Minimum | Yes |
| Cooper 2016 | Bristol West | $622 | Cole, 33, Decatur, GA | State Minimum | No |
| Cooper 2016 | Clearcover | $149 | Helen, 28, Houston, TX | 100/300 | Yes |
| Cooper 2016 | Progressive | $683 | Adam, 56, Baltimore, MD | State Minimum | Yes |
2015 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2015 | Bristol West | $404 | Norman, 51, Corona, CA | State Minimum | Yes |
| Cooper 2015 | Progressive | $399 | Lola, 32, Jersey City, NJ | 100/300 | Yes |
| Cooper 2015 | Progressive | $79 | Troy, 31, West Chester, PA | State Minimum | Yes |
| Cooper 2015 | Safeco | $168 | Rosie, 48, Jacksonville, FL | 50/100 | Yes |
| Cooper 2015 | Progressive | $67 | Victor, 33, Orlando, FL | 50/100 | Yes |
2014 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2014 | National General | $212 | Antonio, 44, Miami Beach, FL | State Minimum | Yes |
| Cooper 2014 | Travelers | $116 | Kevin, 52, Plymouth, CA | 50/100 | Yes |
| Cooper 2014 | Embark General | $79 | Amy, 28, Tampa, FL | No Coverage | No |
| Cooper 2014 | Progressive | $138 | Lily, 44, Hampton, GA | State Minimum | No |
| Cooper 2014 | Progressive | $227 | Josie, 27, Las Vegas, NV | State Minimum | Yes |
2013 Mini Cooper car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cooper 2013 | Progressive | $72 | Gerald, 26, San Jose, CA | State Minimum | No |
| Cooper 2013 | Aspire Advantage | $216 | Andre, 41, Long Beach, CA | State Minimum | Yes |
| Cooper 2013 | State Auto | $184 | Travis, 36, Hamden, CT | 50/100 | Yes |
| Cooper 2013 | Progressive | $127 | Josie, 29, Nashville, TN | 50/100 | Yes |
| Cooper 2013 | Progressive | $92 | Sophia, 33, Tampa, FL | State Minimum | Yes |
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.
| Car | Monthly minimum coverage cost | Monthly 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 type | Rating |
|---|---|
| Headlights (varies by trim/option) | Average/Poor depending on trim/option |
| Front crash prevention: vehicle-to-vehicle | Advanced |
| LATCH ease of use | Marginal |
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-Minor | Mini Cooper S | Travelers | $151 | Inez, 24, Norfolk, VA | State Minimum | Yes |
| Speeding Violation-Minor | Mini Cooper S | National General | $117 | Leroy, 42, Sanford, FL | 15/30 | Yes |
| Speeding Violation-Minor | Mini Cooper S Countryman | Embark General | $79 | Amy, 28, Tampa, FL | No Coverage | No |
| Speeding Violation-Minor | Mini Cooper | Electric | $136 | Daisy, 27, Atlanta, GA | State Minimum | Yes |
| Speeding Violation-Minor | Mini Cooper S Countryman | Progressive | $203 | Elsie, 22, Skiatook, OK | State Minimum | No |
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 Injury | Mini Cooper S Countryman | Progressive | $198 | Lou, 47, San Francisco, CA | 50/100 | Yes |
| At Fault With No Injury | Mini Cooper S | Bristol West | $404 | Norman, 51, Corona, CA | State Minimum | Yes |
| At Fault With No Injury | Mini Cooper S | Progressive | $134 | Caleb, 60, Phoenix, AZ | 50/100 | Yes |
| At Fault With No Injury | Mini Cooper S | Plymouth Rock | $158 | Vincent, 49, Hoboken, NJ | 25/50 | Yes |
| At Fault With No Injury | Mini Cooper | Bristol West | $569 | Josie, 42, Houston, TX | 50/100 | Yes |
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
|
|---|---|---|---|---|---|---|
| Failure to Obey Signal | Mini Cooper S | Progressive | $134 | Caleb, 60, Phoenix, AZ | 50/100 | Yes |
| Failure to Yield | Mini Cooper | Bristol West | $569 | Josie, 42, Houston, TX | 50/100 | Yes |
| Failure to Yield | Mini Cooper | Bristol West | $622 | Cole, 33, Decatur, GA | State Minimum | No |
| Other Major | Mini Cooper | State Auto | $137 | Harriett, 50, Georgetown, KY | State Minimum | No |
| Other Minor | Mini Cooper | Allstate | $105 | Mabel, 24, Fresno, CA | State Minimum | No |
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
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How much is the insurance for a MINI Cooper?
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How much is insurance for a 2010 Mini Cooper?
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Is a Mini cheap to insure?
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Are Mini Coopers expensive to insure for new drivers?
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Why are Mini Coopers so expensive?
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Is a Mini Cooper considered a sports car for insurance?
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Who has the cheapest car insurance for a Mini Cooper?
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.
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.
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.
