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
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 insurance rates vary more than most drivers expect. Minimum coverage quotes differ by as much as $173 per month across providers, and full coverage by over $325. Insurers each weigh the Mini Cooper's risk profile differently, so the same driver can land a very different price depending on where they shop.
| 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?
Among 52 hatchbacks MoneyGeek analyzed, the Mini Cooper ranks 49th for affordability; only three models in the category cost more. Just above it sits the Fiat 500 Abarth (slightly cheaper); just below, the Cadillac Celestiq (more expensive). The other 48 hatchbacks in MoneyGeek's dataset carry lower average premiums.
Hatchbacks as a category already skew toward higher insurance costs, and the Mini Cooper lands near the top of that range. Across all 827 vehicles in MoneyGeek's database, the Mini Cooper ranks 752nd, putting it in the top 10% most expensive models to insure. The Saab 9-3 holds the cheapest spot among hatchbacks; the Cadillac Celestiq carries the highest premiums.
| 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 runs about $1,020 per year, the lowest of Mini's two models. Lower repair costs give insurers less exposure, which can pull premiums down slightly compared to pricier-to-fix vehicles.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 134 to 228 across Mini Cooper trims. Higher-output variants carry higher premiums because insurers price performance risk into the rate.
- Driver Profile: Mini Cooper's core buyer is between 25 and 40, with a median age of around 32. Drivers under 25 pay more regardless of vehicle, and the Mini Cooper's sporty profile can prompt insurers to rate it more conservatively. 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. Minimum coverage starts at $69 per month on the base Hatchback 2d and climbs to $747 per month for full coverage on the Countryman John Cooper Works All4. Performance output, replacement part costs and market value all push rates higher on upper trims.
| 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
Minimum coverage for the Mini Cooper runs $64 per month in Wyoming and $345 in Louisiana. State-level factors like claim frequency, litigation rates and local regulations drive most of that gap, not the vehicle.
| 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
- 1Choose the right coverage
How much coverage you buy affects your Mini Cooper premium more than almost any other variable. If you own your Mini outright, your state's minimum liability limits plus comprehensive and collision at a $1,000 deductible is typically the lowest-cost full-protection setup. Drivers who want stronger liability protection should look at 100/300/100 limits with a $500 deductible. If you're financing or leasing, your lender sets the floor: 100/300/100 liability, comprehensive and collision at a $500 deductible, and gap insurance.
- 2Know what you should pay before you shop
Review average auto insurance costs for compact performance vehicles before getting quotes. Going into the process with a number in mind makes it easier to spot when a rate from the cheapest car insurance companies is genuinely competitive for a Mini Cooper.
- 3Vet insurers beyond the price
A low car insurance quote means little if the insurer is slow on claims. Check J.D. Power satisfaction scores, BBB complaints and AM Best financial ratings before committing. Budget carriers sometimes trade claims speed and coverage depth for lower sticker prices.
- 4Apply every discount you qualify for
Mini Cooper owners can typically stack car insurance discounts for safety features, good driving history, anti-theft devices and bundling auto with home. Ask each insurer which ones apply; not all discounts are applied automatically.
- 5Try usage-based insurance
If you drive fewer miles than average or stick to low-risk routes, programs like Allstate Drivewise or Progressive Snapshot can cut your premium based on actual driving data rather than demographic averages. Usage-based insurance tends to reward Mini Cooper drivers who don't use their car as a daily commuter.
- 6Shop rates every year
Your current insurer won't tell you when a competitor drops prices. Pull new car insurance quotes annually. MoneyGeek data shows drivers can save up to 24% on Mini Cooper insurance by switching. Set a reminder before your renewal date so you're not comparing quotes under deadline pressure.
Mini Cooper Insurance Cost: Bottom Line
The Mini Cooper is in the top 10% most expensive models to insure, so comparing quotes and stacking discounts matters more here than it does for cheaper-to-insure vehicles.
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?
Your driving record and credit score carry the most weight. Coverage level is the next biggest lever. Minimum liability costs far less than full coverage with a $500 deductible. The Mini Cooper's safety features can pull rates down slightly, but its performance profile and top-10% cost ranking among all vehicles offset most of that advantage.
How can I lower Mini Cooper insurance costs?
Start by pulling quotes from at least three insurers, since Mini Cooper rates vary by more than $325 per month at the full coverage level. Apply every discount you qualify for; safety features, good driver history, anti-theft devices and bundling auto with home are the most common. A usage-based program like Allstate Drivewise or Progressive Snapshot can cut costs further if you drive fewer miles than average.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.