Insurance costs for a Mini Cooper average $320 monthly for full coverage and $166 for minimum coverage. Depending on your particular trim and model year, you'll pay anywhere from $69 to $747 monthly.
Mini Cooper Insurance Cost
Updated: February 3, 2026
Key Takeaways
GEICO offers the cheapest Mini Cooper insurance on average, though full coverage costs around $320 per month and varies based on your model year and chosen insurer. Read more
Among hatchbacks, the Mini Cooper ranks 49th out of 52 for insurance affordability, making it expensive for its vehicle type. While hatchbacks have lower repair costs due to their smaller size, the Cooper still costs more than most. Read more
Your Mini Cooper's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Cooper model years, depending on the age of the drivers
How Much Is Mini Cooper Insurance?
| Mini Cooper | $166 | $320 |
Model year affects Mini Cooper insurance costs. Newer models cost more to insure because of their higher fair market value. Monthly premiums range from $68 for older Coopers to $533 for the newest models.
Insurance costs for a Mini Cooper depend on model year and company. Full coverage goes from $242 monthly with GEICO to $567 with AIG, while minimum coverage spans $111 with GEICO to $284 with UAIC.
Mini Cooper owners should shop between insurers since minimum coverage varies by over $173 and full coverage by over $325. Each company calculates risk differently for the Mini Cooper, affecting your final quote.
| AAA | $199 | $412 |
| AIG | $236 | $567 |
| Allstate | $234 | $450 |
| Amica | $205 | $419 |
| Chubb | $172 | $342 |
| Farmers | $233 | $405 |
| Geico | $111 | $242 |
| Kemper | $170 | $347 |
| Nationwide | $176 | $304 |
| Progressive | $154 | $287 |
| State Farm | $157 | $326 |
| The Hartford | $190 | $324 |
| Travelers | $147 | $269 |
| UAIC | $284 | $349 |
Is Mini Cooper Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks shows the Mini Cooper ranking 49th for affordability, meaning only three models cost more to insure. It sits between the slightly cheaper Fiat 500 Abarth and the more expensive Cadillac Celestiq, with 48 hatchbacks offering lower insurance rates. This positioning reveals the Mini Cooper's standing among similar compact vehicles.
While that's middle-tier for hatchbacks, this vehicle category tends toward higher insurance costs overall.Â
The Mini Cooper ranks 752nd out of 827 total cars in our database, placing it among the top 10% most expensive models to insure. The Saab 9-3 claims the cheapest hatchback spot, while the Cadillac Celestiq commands the highest premiums in this category.
| Audi A5 | $196 | 46 |
| Audi S5 | $201 | 47 |
| Fiat 500 Abarth | $218 | 48 |
| Mini Cooper | $242 | 49 |
| Cadillac Celestiq | $654 | 50 |
Several factors affect what you'll pay for Mini Cooper insurance:
- Average Repair or Replacement Costs: Mini Cooper maintenance costs average $1,020 annually, making it the most affordable model to maintain among Mini's two offerings. These lower repair expenses can help keep your insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across Mini Cooper trims, ranging from 134 to 228 horsepower. Higher-performance variants with increased horsepower output command higher insurance premiums due to their enhanced performance capabilities.
- Driver Profile: Mini Cooper attracts drivers aged 25 to 40 with a median age of around 32. Younger drivers have higher rates due to risk factors, and the vehicle's sporty reputation draws behaviors that raise insurer concerns. Read more about the costs of Mini Coopers for young drivers.
Mini Cooper Costs by Model Year and Driver Age by Insurance Company
A 2016 Mini Cooper costs just $225 monthly to insure with full coverage for drivers aged 35 to 55, while a 2025 model jumps to $684 per month. Model year and driver age both greatly impact your Mini Cooper insurance costs. Teen and young adult drivers have even steeper premiums across all model years.
GEICO offers the most affordable rates across all Mini Cooper model years. Shopping between insurers could save you hundreds of dollars monthly compared to average costs.
2025 Mini Cooper Insurance Rates 2024 Mini Cooper Insurance Rates 2023 Mini Cooper Insurance Rates 2022 Mini Cooper Insurance Rates 2021 Mini Cooper Insurance Rates
2016 Mini Cooper Insurance Rates 2017 Mini Cooper Insurance Rates 2018 Mini Cooper Insurance Rates 2019 Mini Cooper Insurance Rates 2020 Mini Cooper Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Mini Cooper
| Geico | $214 | $465 |
| National General | $256 | $524 |
| Travelers | $281 | $516 |
| Progressive | $298 | $554 |
| State Farm | $304 | $629 |
| Chubb | $328 | $652 |
| Kemper | $332 | $680 |
| Nationwide | $338 | $584 |
| The Hartford | $371 | $633 |
| AAA | $386 | $799 |
| Amica | $394 | $804 |
| Allstate | $450 | $865 |
| Farmers | $451 | $784 |
| AIG | $458 | $1,101 |
| UAIC | $546 | $672 |
2025 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $2,367 | $2,082 | $1,843 | $1,590 | $1,404 | $1,193 | $1,085 | $969 | $886 | $780 |
| Geico | $2,632 | $1,917 | $1,609 | $1,165 | $1,005 | $811 | $747 | $619 | $585 | $532 |
| Nationwide | $2,653 | $2,425 | $2,234 | $1,895 | $1,601 | $1,038 | $963 | $898 | $849 | $760 |
| Travelers | $3,109 | $2,234 | $1,762 | $1,358 | $1,197 | $881 | $804 | $742 | $685 | $593 |
| Progressive | $4,044 | $3,254 | $2,697 | $1,498 | $1,308 | $1,058 | $943 | $841 | $774 | $664 |
| Allstate | $4,156 | $3,252 | $2,615 | $1,925 | $1,725 | $1,345 | $1,221 | $1,153 | $1,086 | $961 |
| Farmers | $4,716 | $3,493 | $3,122 | $1,995 | $1,890 | $1,448 | $1,284 | $1,233 | $1,170 | $985 |
Cost of Car Insurance for 2024 Mini Cooper
| Geico | $192 | $415 |
| National General | $228 | $468 |
| Travelers | $251 | $461 |
| Progressive | $266 | $495 |
| State Farm | $271 | $562 |
| Chubb | $293 | $583 |
| Kemper | $297 | $607 |
| Nationwide | $302 | $522 |
| The Hartford | $332 | $566 |
| AAA | $345 | $714 |
| Amica | $352 | $718 |
| Allstate | $402 | $773 |
| Farmers | $403 | $700 |
| AIG | $409 | $984 |
| UAIC | $488 | $600 |
2024 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $2,114 | $1,860 | $1,646 | $1,420 | $1,254 | $1,066 | $969 | $865 | $791 | $696 |
| Geico | $2,351 | $1,712 | $1,438 | $1,041 | $898 | $724 | $667 | $553 | $523 | $475 |
| Nationwide | $2,370 | $2,166 | $1,996 | $1,693 | $1,430 | $928 | $860 | $802 | $758 | $679 |
| Travelers | $2,778 | $1,995 | $1,574 | $1,213 | $1,069 | $787 | $718 | $663 | $612 | $530 |
| Progressive | $3,612 | $2,907 | $2,409 | $1,338 | $1,168 | $945 | $842 | $751 | $691 | $593 |
| Allstate | $3,713 | $2,905 | $2,336 | $1,720 | $1,541 | $1,202 | $1,091 | $1,030 | $970 | $858 |
| Farmers | $4,212 | $3,120 | $2,789 | $1,782 | $1,689 | $1,294 | $1,147 | $1,101 | $1,045 | $880 |
Cost of Car Insurance for 2023 Mini Cooper
| Geico | $171 | $372 |
| National General | $204 | $419 |
| Travelers | $225 | $412 |
| Progressive | $238 | $443 |
| State Farm | $243 | $503 |
| Chubb | $262 | $521 |
| Kemper | $265 | $544 |
| Nationwide | $270 | $467 |
| The Hartford | $297 | $506 |
| AAA | $309 | $639 |
| Amica | $315 | $643 |
| Allstate | $359 | $692 |
| Farmers | $360 | $626 |
| AIG | $366 | $880 |
| UAIC | $437 | $537 |
2023 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,892 | $1,665 | $1,473 | $1,271 | $1,122 | $954 | $867 | $774 | $708 | $623 |
| Geico | $2,103 | $1,532 | $1,286 | $932 | $803 | $648 | $597 | $495 | $468 | $425 |
| Nationwide | $2,120 | $1,938 | $1,786 | $1,515 | $1,280 | $830 | $769 | $718 | $678 | $607 |
| Travelers | $2,485 | $1,785 | $1,409 | $1,085 | $957 | $704 | $643 | $593 | $548 | $474 |
| Progressive | $3,232 | $2,601 | $2,155 | $1,198 | $1,045 | $846 | $754 | $672 | $619 | $531 |
| Allstate | $3,322 | $2,599 | $2,090 | $1,539 | $1,378 | $1,075 | $976 | $922 | $868 | $768 |
| Farmers | $3,769 | $2,792 | $2,495 | $1,595 | $1,511 | $1,158 | $1,026 | $985 | $935 | $788 |
Cost of Car Insurance for 2022 Mini Cooper
| Geico | $146 | $318 |
| National General | $175 | $358 |
| Travelers | $192 | $352 |
| Progressive | $203 | $378 |
| State Farm | $207 | $430 |
| Chubb | $224 | $446 |
| Kemper | $227 | $464 |
| Nationwide | $231 | $399 |
| The Hartford | $254 | $432 |
| AAA | $264 | $546 |
| Amica | $269 | $549 |
| Allstate | $307 | $591 |
| Farmers | $308 | $535 |
| AIG | $313 | $752 |
| UAIC | $373 | $459 |
2022 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,616 | $1,422 | $1,259 | $1,086 | $959 | $815 | $741 | $662 | $605 | $532 |
| Geico | $1,797 | $1,309 | $1,099 | $796 | $686 | $554 | $510 | $423 | $400 | $363 |
| Nationwide | $1,812 | $1,656 | $1,526 | $1,294 | $1,094 | $709 | $657 | $613 | $580 | $519 |
| Travelers | $2,124 | $1,526 | $1,204 | $927 | $817 | $602 | $549 | $507 | $468 | $405 |
| Progressive | $2,762 | $2,222 | $1,842 | $1,023 | $893 | $723 | $644 | $574 | $529 | $454 |
| Allstate | $2,838 | $2,221 | $1,786 | $1,315 | $1,178 | $919 | $834 | $788 | $742 | $656 |
| Farmers | $3,221 | $2,386 | $2,132 | $1,363 | $1,291 | $989 | $877 | $842 | $799 | $673 |
Cost of Car Insurance for 2021 Mini Cooper
| Geico | $140 | $304 |
| National General | $167 | $343 |
| Travelers | $184 | $338 |
| Progressive | $195 | $363 |
| State Farm | $199 | $412 |
| Chubb | $215 | $427 |
| Kemper | $217 | $445 |
| Nationwide | $221 | $382 |
| The Hartford | $243 | $414 |
| AAA | $253 | $523 |
| Amica | $258 | $526 |
| Allstate | $294 | $566 |
| Farmers | $295 | $513 |
| AIG | $300 | $721 |
| UAIC | $358 | $440 |
2021 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,549 | $1,363 | $1,206 | $1,041 | $919 | $781 | $710 | $634 | $580 | $510 |
| Geico | $1,723 | $1,255 | $1,054 | $763 | $658 | $531 | $489 | $405 | $383 | $348 |
| Nationwide | $1,737 | $1,588 | $1,463 | $1,241 | $1,048 | $680 | $630 | $588 | $556 | $497 |
| Travelers | $2,036 | $1,462 | $1,154 | $889 | $784 | $577 | $527 | $486 | $449 | $389 |
| Progressive | $2,647 | $2,130 | $1,765 | $981 | $856 | $693 | $617 | $551 | $507 | $435 |
| Allstate | $2,721 | $2,129 | $1,712 | $1,260 | $1,129 | $881 | $800 | $755 | $711 | $629 |
| Farmers | $3,087 | $2,287 | $2,044 | $1,306 | $1,238 | $948 | $840 | $807 | $766 | $645 |
Cost of Car Insurance for 2020 Mini Cooper
| Geico | $126 | $274 |
| National General | $151 | $309 |
| Travelers | $166 | $304 |
| Progressive | $175 | $327 |
| State Farm | $179 | $371 |
| Chubb | $194 | $385 |
| Kemper | $196 | $401 |
| Nationwide | $199 | $344 |
| The Hartford | $219 | $373 |
| AAA | $228 | $471 |
| Amica | $232 | $474 |
| Allstate | $265 | $510 |
| Farmers | $266 | $462 |
| AIG | $270 | $649 |
| UAIC | $322 | $396 |
2020 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,395 | $1,228 | $1,086 | $937 | $828 | $704 | $639 | $571 | $522 | $460 |
| Geico | $1,551 | $1,130 | $949 | $687 | $592 | $478 | $440 | $365 | $345 | $314 |
| Nationwide | $1,564 | $1,430 | $1,317 | $1,117 | $944 | $612 | $567 | $529 | $500 | $448 |
| Travelers | $1,833 | $1,317 | $1,039 | $800 | $706 | $519 | $474 | $438 | $404 | $350 |
| Progressive | $2,384 | $1,918 | $1,590 | $883 | $771 | $624 | $556 | $496 | $456 | $391 |
| Allstate | $2,450 | $1,917 | $1,541 | $1,135 | $1,017 | $793 | $720 | $680 | $640 | $566 |
| Farmers | $2,780 | $2,059 | $1,840 | $1,176 | $1,114 | $854 | $757 | $727 | $690 | $581 |
Cost of Car Insurance for 2019 Mini Cooper
| Geico | $108 | $235 |
| National General | $129 | $264 |
| Travelers | $142 | $260 |
| Progressive | $150 | $280 |
| State Farm | $153 | $318 |
| Chubb | $166 | $329 |
| Kemper | $168 | $343 |
| Nationwide | $170 | $295 |
| The Hartford | $187 | $320 |
| AAA | $195 | $403 |
| Amica | $199 | $406 |
| Allstate | $227 | $437 |
| Farmers | $227 | $396 |
| AIG | $231 | $556 |
| UAIC | $276 | $339 |
2019 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,195 | $1,051 | $930 | $802 | $709 | $602 | $548 | $489 | $447 | $393 |
| Geico | $1,328 | $967 | $812 | $588 | $507 | $409 | $377 | $312 | $295 | $268 |
| Nationwide | $1,339 | $1,224 | $1,128 | $957 | $808 | $524 | $486 | $453 | $428 | $383 |
| Travelers | $1,569 | $1,127 | $889 | $685 | $604 | $445 | $406 | $375 | $346 | $300 |
| Progressive | $2,041 | $1,642 | $1,361 | $756 | $660 | $534 | $476 | $425 | $391 | $335 |
| Allstate | $2,098 | $1,641 | $1,320 | $972 | $870 | $679 | $617 | $582 | $548 | $485 |
| Farmers | $2,380 | $1,763 | $1,576 | $1,007 | $954 | $731 | $648 | $622 | $591 | $497 |
Cost of Car Insurance for 2018 Mini Cooper
| Geico | $96 | $207 |
| National General | $114 | $234 |
| Travelers | $125 | $230 |
| Progressive | $133 | $247 |
| State Farm | $135 | $281 |
| Chubb | $146 | $291 |
| Kemper | $148 | $303 |
| Nationwide | $151 | $260 |
| The Hartford | $166 | $282 |
| AAA | $172 | $356 |
| Amica | $176 | $359 |
| Allstate | $201 | $386 |
| Farmers | $201 | $350 |
| AIG | $204 | $491 |
| UAIC | $244 | $300 |
2018 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,056 | $929 | $822 | $709 | $626 | $532 | $484 | $432 | $395 | $348 |
| Geico | $1,174 | $855 | $718 | $520 | $448 | $362 | $333 | $276 | $261 | $237 |
| Nationwide | $1,183 | $1,082 | $997 | $845 | $714 | $463 | $429 | $401 | $379 | $339 |
| Travelers | $1,387 | $996 | $786 | $606 | $534 | $393 | $359 | $331 | $306 | $265 |
| Progressive | $1,804 | $1,452 | $1,203 | $668 | $583 | $472 | $421 | $375 | $345 | $296 |
| Allstate | $1,854 | $1,451 | $1,166 | $859 | $769 | $600 | $545 | $514 | $485 | $428 |
| Farmers | $2,103 | $1,558 | $1,392 | $890 | $843 | $646 | $573 | $550 | $522 | $439 |
Cost of Car Insurance for 2017 Mini Cooper
| Geico | $80 | $174 |
| National General | $96 | $196 |
| Travelers | $105 | $193 |
| Progressive | $111 | $207 |
| State Farm | $113 | $235 |
| Chubb | $123 | $244 |
| Kemper | $124 | $254 |
| Nationwide | $126 | $218 |
| The Hartford | $139 | $237 |
| AAA | $144 | $299 |
| Amica | $147 | $301 |
| Allstate | $168 | $323 |
| Farmers | $169 | $293 |
| AIG | $171 | $412 |
| UAIC | $204 | $251 |
2017 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $885 | $779 | $689 | $594 | $525 | $446 | $406 | $362 | $331 | $291 |
| Geico | $984 | $717 | $602 | $436 | $376 | $303 | $279 | $231 | $219 | $199 |
| Nationwide | $992 | $907 | $835 | $709 | $599 | $388 | $360 | $336 | $317 | $284 |
| Travelers | $1,163 | $835 | $659 | $508 | $447 | $329 | $301 | $278 | $256 | $222 |
| Progressive | $1,512 | $1,217 | $1,008 | $560 | $489 | $396 | $353 | $314 | $289 | $248 |
| Allstate | $1,554 | $1,216 | $978 | $720 | $645 | $503 | $457 | $431 | $406 | $359 |
| Farmers | $1,763 | $1,306 | $1,167 | $746 | $707 | $542 | $480 | $461 | $437 | $368 |
Cost of Car Insurance for 2016 Mini Cooper
| Geico | $70 | $153 |
| National General | $84 | $172 |
| Travelers | $92 | $169 |
| Progressive | $98 | $182 |
| State Farm | $100 | $207 |
| Chubb | $108 | $214 |
| Kemper | $109 | $223 |
| Nationwide | $111 | $192 |
| The Hartford | $122 | $208 |
| AAA | $127 | $262 |
| Amica | $129 | $264 |
| Allstate | $148 | $284 |
| Farmers | $148 | $257 |
| AIG | $150 | $361 |
| UAIC | $179 | $221 |
2016 Mini Cooper Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $777 | $683 | $605 | $522 | $461 | $392 | $356 | $318 | $291 | $256 |
| Geico | $864 | $629 | $528 | $382 | $330 | $266 | $245 | $203 | $192 | $175 |
| Nationwide | $871 | $796 | $733 | $622 | $526 | $341 | $316 | $295 | $279 | $249 |
| Travelers | $1,020 | $733 | $578 | $446 | $393 | $289 | $264 | $244 | $225 | $195 |
| Progressive | $1,327 | $1,068 | $885 | $492 | $429 | $347 | $309 | $276 | $254 | $218 |
| Allstate | $1,364 | $1,067 | $858 | $632 | $566 | $441 | $401 | $378 | $357 | $315 |
| Farmers | $1,548 | $1,146 | $1,025 | $655 | $620 | $475 | $421 | $405 | $384 | $323 |
Mini Cooper Insurance Cost by Trim
Mini Cooper insurance costs vary by trim, from $69 monthly for minimum coverage on basic Hatchback 2d models to $747 for full coverage on high-performance Countryman John Cooper Works All4 variants. Performance features, rarity, and market value determine where each trim falls in this range.
| Hatchback 2d | $69 | $133 |
| Clubman Cooper Hatchback 3d | $70 | $134 |
| Paceman Cooper Hatchback 2d | $76 | $146 |
| Clubman Cooper S Hatchback 3d | $76 | $146 |
| Clubman John Cooper Works Hatchback32d | $76 | $148 |
| S Hatchback 2d | $77 | $148 |
| Paceman Cooper S Hatchback 2d | $82 | $159 |
| Paceman Cooper S All4 Hatchback 2d | $94 | $182 |
| Clubman Cooper Hatchback 4d | $101 | $194 |
| Clubman John Cooper Works Hatchback 3d | $103 | $199 |
| Hardtop Cooper Hatchback 2d | $111 | $214 |
| Convertible Cooper 2d | $111 | $215 |
| Convertible Cooper S 2d | $121 | $233 |
| Hardtop Cooper Hatchback 4d | $125 | $242 |
| Countryman Cooper S Hatchback 4d | $125 | $242 |
| Paceman John Cooper Works All4 Hatchback 2d | $126 | $243 |
| S Gp Hatchback 2d | $131 | $253 |
| Countryman Cooper Hatchback 4d | $131 | $253 |
| Clubman Cooper All4 Hatchback 4d | $136 | $262 |
| Countryman Cooper S All4 Hatchback 4d | $137 | $266 |
| Hardtop Cooper S Hatchback 4d | $145 | $281 |
| Hardtop Cooper S Hatchback 2d | $149 | $287 |
| Hardtop Cooper Oxford Hatchback 2d | $163 | $315 |
| Clubman Cooper S Hatchback 4d | $165 | $318 |
| Hardtop Cooper Se Hatchback 2d | $169 | $326 |
| Hardtop Cooper Oxford Hatchback 4d | $169 | $327 |
| Convertible John Cooper Works 2d | $172 | $333 |
| Countryman Cooper All4 Hatchback 4d | $175 | $338 |
| Hardtop Cooper Classic Hatchback 2d | $182 | $352 |
| Clubman Cooper S All4 Hatchback 4d | $188 | $363 |
| Hardtop John Cooper Works Hatchback 2d | $189 | $366 |
| Countryman Oxford Hatchback 4d | $193 | $372 |
| Hardtop Cooper Classic Hatchback 4d | $193 | $372 |
| Countryman John Cooper Works All4 Hatchback 4d | $197 | $380 |
| Hardtop Cooper S Classic Hatchback 2d | $208 | $402 |
| Countryman All4 Oxford Hatchback 4d | $215 | $415 |
| Hardtop Cooper S Classic Hatchback 4d | $216 | $418 |
| Hardtop Cooper Se Signature Hatchback 2d | $233 | $451 |
| Convertible Cooper C 2d | $242 | $468 |
| Hardtop Cooper 2d | $244 | $471 |
| Countryman Classic Cooper Hatchback 4d | $245 | $474 |
| Countryman Cooper Se All4 Hatchback 4d | $248 | $480 |
| Hardtop Cooper 4d | $249 | $481 |
| Hardtop Cooper Signature 2d | $249 | $482 |
| Hardtop Cooper Se 2d | $257 | $497 |
| Hardtop Cooper Signature 4d | $258 | $498 |
| Hardtop John Cooper Works Classic Hatchback 2d | $259 | $500 |
| Clubman John Cooper Works All4 Hatchback 4d | $260 | $502 |
| Countryman Cooper | $265 | $512 |
| Countryman Classic Cooper All4 Hatchback 4d | $265 | $513 |
| Hardtop Cooper S 2d | $270 | $522 |
| Countryman Classic Cooper S Hatchback 4d | $271 | $523 |
| Countryman Cooper S | $272 | $526 |
| Clubman Classic Cooper S Hatchback 4d | $274 | $530 |
| Clubman Cooper S | $275 | $531 |
| Convertible Cooper S C 2d | $276 | $533 |
| Hardtop Cooper S Signature 2d | $276 | $534 |
| Hardtop Cooper S 4d | $278 | $537 |
| Countryman Classic Cooper S All4 Hatchback 4d | $284 | $548 |
| Hardtop Cooper S Signature 4d | $285 | $550 |
| Countryman Cooper All4 | $286 | $553 |
| Convertible Cooper Signature | $291 | $562 |
| Countryman Cooper S All4 | $291 | $563 |
| Hardtop John Cooper Works Gp Hatchback 2d | $292 | $565 |
| Clubman Cooper S All4 | $293 | $567 |
| Clubman Classic Cooper S All4 Hatchback 4d | $297 | $574 |
| Convertible Cooper | $301 | $581 |
| Convertible John Cooper Works C 2d | $301 | $582 |
| Convertible Cooper S Signature | $318 | $614 |
| Hardtop John Cooper Works 2d | $324 | $626 |
| Hardtop John Cooper Works Signature 2d | $326 | $630 |
| Convertible Cooper S | $332 | $641 |
| Clubman Classic John Cooper Works All4 Hatchback 4d | $334 | $645 |
| Countryman S All4 | $336 | $650 |
| Clubman John Cooper Works All4 | $345 | $666 |
| Countryman Classic John Cooper Works All4 Hatchback 4d | $355 | $685 |
| Convertible John Cooper Works Signature | $372 | $718 |
| Countryman Se All4 | $384 | $742 |
| Convertible John Cooper Works | $386 | $746 |
| Countryman John Cooper Works All4 | $387 | $747 |
Mini Cooper Insurance Cost by State
Mini Cooper insurance for minimum coverage ranges from $64 monthly in Wyoming to $345 in Louisiana, depending on where you live. These dramatic differences reflect your state's risk characteristics and insurance regulations rather than anything specific about the vehicle itself.
| Alabama | $135 | $255 |
| Alaska | $116 | $247 |
| Arizona | $197 | $369 |
| Arkansas | $127 | $283 |
| California | $158 | $318 |
| Colorado | $161 | $384 |
| Connecticut | $229 | $395 |
| Delaware | $234 | $394 |
| Florida | $214 | $487 |
| Georgia | $236 | $391 |
| Hawaii | $91 | $203 |
| Idaho | $88 | $178 |
| Illinois | $149 | $277 |
| Indiana | $105 | $207 |
| Iowa | $90 | $218 |
| Kansas | $119 | $278 |
| Kentucky | $213 | $359 |
| Louisiana | $345 | $736 |
| Maine | $85 | $175 |
| Maryland | $237 | $398 |
| Massachusetts | $172 | $365 |
| Michigan | $266 | $511 |
| Minnesota | $138 | $286 |
| Mississippi | $143 | $283 |
| Missouri | $193 | $386 |
| Montana | $113 | $267 |
| Nebraska | $121 | $276 |
| Nevada | $291 | $525 |
| New Hampshire | $116 | $206 |
| New Jersey | $276 | $456 |
| New Mexico | $130 | $292 |
| New York | $199 | $357 |
| North Carolina | $136 | $267 |
| North Dakota | $101 | $220 |
| Ohio | $117 | $227 |
| Oklahoma | $141 | $314 |
| Oregon | $201 | $352 |
| Pennsylvania | $139 | $322 |
| Rhode Island | $201 | $359 |
| South Carolina | $184 | $341 |
| South Dakota | $87 | $269 |
| Tennessee | $124 | $253 |
| Texas | $207 | $428 |
| Utah | $177 | $302 |
| Vermont | $72 | $171 |
| Virginia | $155 | $252 |
| Washington | $149 | $275 |
| West Virginia | $145 | $293 |
| Wisconsin | $103 | $225 |
| Wyoming | $64 | $197 |
How to Lower the Cost of Mini Cooper Insurance
Here are proven strategies to lower your Mini Cooper insurance costs and find better rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Mini Cooper. If you own your Mini, you can get your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to lower premiums. If you want enhanced protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact performance vehicles. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates for your Mini Cooper.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers could provide limited coverage or slower service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Mini Cooper owners qualify for safety features discounts, good driver discounts, bundling savings when combining auto and home policies, and anti-theft device discounts. These savings can reduce your annual premiums.
- 5Consider alternative car insurance types
Mini Cooper owners might benefit from usage-based insurance options like Allstate Drivewise telematics or Progressive Snapshot plans. These programs track safe driving habits and deliver premium reductions based on your actual driving behavior rather than general risk factors.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Mini Cooper insurance. Set a calendar reminder to shop rates before your policy renews.
Mini Cooper Insurance Cost: Bottom Line
Mini Cooper insurance runs above average in cost, but you can still secure decent rates. Compare quotes from multiple insurers and maximize available discounts to find better pricing for your coverage.
Mini Cooper Insurance Rates: FAQ
What is the average cost of car insurance for a Mini Cooper?
Mini Cooper insurance costs $1,988 annually for state minimum coverage and $3,839 for full coverage. These rates place it among the more expensive vehicles to insure, ranking 752nd out of 827 models for affordability. Monthly premiums average $166 for minimum and $320 for comprehensive protection.
What company has the cheapest car insurance for a Mini Cooper?
Geico provides the most affordable minimum coverage for Mini Cooper owners at $1,337 annually. The insurer also delivers the best value for full coverage policies at $2,898 per year.
Are Mini Coopers expensive to insure?
Yes, Mini Cooper insurance costs more than most cars. The model ranks 752nd out of 827 vehicles for affordability and places 49th out of 52 among hatchbacks specifically.
What factors affect insurance costs for Mini Coopers?
Various elements affect Mini Cooper insurance rates, with your personal factors playing the biggest role. Your driving record, credit score and chosen coverage levels impact premiums. The vehicle's compact size and safety features generally help keep costs reasonable compared to larger or high-performance cars.
How can I lower Mini Cooper insurance costs?
Compare quotes from multiple insurers since Mini Cooper pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined Mini Cooper Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Mini Cooper insurance costs.
Who We Based These Rates On
These Mini Cooper prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.