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Cheapest Mini Cooper S Car Insurance (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Mini Cooper S
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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 Cooper S car insurance cost? 

On average, Mini Cooper S drivers spend $86 each month on state minimum car insurance, and $154 per month on full coverage insurance. Compared to other Mini Cooper models, the Mini Cooper S is 6% less expensive to insure. 
Many factors play a role in determining your Mini Cooper S car insurance costs, from your age and address to your driving record, insurance history, and coverage levels. The vehicle you own is just one piece of the calculations that insurance companies run when generating a quote. 

Compare the cheapest Mini Cooper S car insurance quotes

This may feel complicated, but it doesn’t have to be. As a trusted insurance broker and free quote comparison tool, Jerry is an essential resource for Mini Cooper S owners.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
April 15, 2024
Progressive
$89
• No Coverage Liability
April 10, 2024
Infinity
$130
• State Minimum Liability
April 8, 2024
Allstate
$495
• State Minimum Liability
• Comp / Collision
April 7, 2024
AAA
$154
• 50,000/100,000 Liability
• Comp / Collision
April 5, 2024
Travelers
$197
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024
It’s important to remember that auto insurance rates can vary significantly, even for the same car model and trim. For instance, driver age has a major impact on rates: an 18-year-old driver will pay a much higher premium for a t Mini Cooper S insurance policy than a 30-year-old driver. 
While
average rates
are helpful, shopping for
personalized quotes
is the best way to find out how much you can expect to pay for t Mini Cooper S car insurance.

The best car insurance companies for Mini Cooper S owners

There is no best car insurance company for all Mini Cooper S owners. That’s because car insurance quotes are based on factors unique to you—your age, your address, your driving history, your deductibles, and more. 
The cheapest insurance company for one Mini Cooper S driver might give higher quotes to another person—even though they’re insuring the exact same model and trim.  
Besides price, you also need to consider other factors such as claim handling and customer service. 
To help drivers better compare different
car insurance companies
, Jerry’s conducted the largest insurance shopping survey in the nation to learn about drivers’ satisfaction with the prices, customer service, claims handling, and overall experience of different auto insurance companies.
 The table below shows how Mini Cooper S drivers rate different companies.

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.

How much does Mini Cooper S insurance cost?

From our experience helping lots of Mini Cooper S drivers lower their car insurance rates, we found that the average cost of minimum liability coverage is $86 per month or $1,032 per year. 
The average cost for full coverage insurance is $154 per month or $1,848 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$86
$1,032
Full coverage
$154
$1,848

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

Minimum coverage insurance
is the minimum amount of coverage legally required in your state, which typically includes basic liability insurance. 
Full coverage insurance
, on the other hand, provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

Explore insurance costs for other models

How do Mini Cooper S insurance quotes compare to other Mini Cooper car insurance rates?

Check out the table below to see the average cost of auto insurance for some other popular Mini Cooper trims.
Car Model & TrimAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
Cooper Coupe S
$36
$117
Cooper JCW Clubman
$50
$202
Cooper Coupe
$58
$173
$59
$142
$73
$165
$79
$159
$86
$154
$89
$197
Cooper Cooper
$97
$163
$110
$186
Cooper S Paceman
$133
$178
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Mini Cooper S insurance cost by model year

Your Mini Cooper S insurance costs depend in part on when your vehicle was manufactured—i.e., the model year.
Newer models tend to be more expensive to insure, thanks to a higher cash value and hard-to-replace tech. If you drive an older Mini Cooper S model, you’ll likely pay a lower rate.

2023 Mini Cooper S car insurance quotes

Unfortunately, newer cars can tend come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Mini Cooper:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$116
• 100,000/300,000 Liability
• Comp / Collision
Anchor General
$119
• State Minimum Liability
coverageLast Updated Apr 18, 2024

2022 Mini Cooper S 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 S drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$73
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

2021 Mini Cooper Scar 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 S:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$109
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$197
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024
If your car is more than 3 years old, you may be able to find cheaper car insurance. Here's how much Jerry drivers with Mini Cooper S that's at least 3 years old pay:

2020 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$170
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$65
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$185
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$134
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$93
• State Minimum Liability
coverageLast Updated Apr 16, 2024

2019 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$158
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$224
• 50,000/100,000 Liability
• Comp / Collision
AAA
$122
• State Minimum Liability
• Comp / Collision
Safeco
$230
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$107
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

2018 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$110
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$108
• State Minimum Liability
• Comp / Collision
Clearcover
$126
• State Minimum Liability
• Comp / Collision
Bristol West
$122
• State Minimum Liability
• Comp / Collision
National General
$188
• 25,000/50,000 Liability
coverageLast Updated Apr 18, 2024

2017 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$93
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$74
• State Minimum Liability
Travelers
$81
• 100,000/300,000 Liability
Bristol West
$160
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$171
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

2016 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$61
• 100,000/300,000 Liability
• Comp / Collision
AAA
$154
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$108
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$295
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$96
• State Minimum Liability
coverageLast Updated Apr 18, 2024

2015 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$252
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$178
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$168
• State Minimum Liability
• Comp / Collision
Mercury
$80
• 30,000/60,000 Liability
• Comp / Collision
Plymouth Rock
$76
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

2014 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Safeco
$226
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$88
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$495
• State Minimum Liability
• Comp / Collision
Clearcover
$138
• 25,000/50,000 Liability
• Comp / Collision
Commonwealth Insurance
$84
• State Minimum Liability
coverageLast Updated Apr 13, 2024

2013 Mini Cooper S car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$141
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$94
• 100,000/300,000 Liability
• Comp / Collision
AAA
$156
• State Minimum Liability
• Comp / Collision
Gainsco
$122
• State Minimum Liability
• Comp / Collision
Clearcover
$123
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Are Mini Cooper Ss expensive to insure? 

Compared to the national average for other models from a similar price range, it is 6% less expensive to insure a Mini Cooper S.
Check out some similar cars for comparison:
ModelAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$97
$163
When determining insurance premiums, insurance providers take many factors into consideration. MSRP, trim level, model year, theft rates, and the cost of repairs are some of the many factors that can influence how much your insurance costs. 
Insurance companies also look at your car’s safety. Below are safety ratings of Mini Cooper S from the Insurance Institute for Highway Safety (IIHS).
Rating TypeRating
Small overlap front: driver-side
Good
Moderate overlap front: original test
Good
Side: original test
Good
Roof strength
Good
Head restraints & seats
Good
Headlights (varies by trim/option)
Average/Poor depending on trim/option
Front crash prevention: vehicle-to-vehicle
Advanced
LATCH ease of use
Marginal

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.