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Compare the Cost of MINI Cooper Insurance by Model Year and Company
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
To get the best MINI Cooper insurance rates, it's a good idea to compare quotes from various insurance companies. When calculating your auto insurance rates, insurers will take into account a variety of factors. In fact, your MINI Cooper’s insurance costs can vary by insurance company depending on your vehicle's year.
Key Takeaways for MINI Cooper Insurance
The average cost of insurance for a MINI Cooper is $1,292 annually, which is $135 less per year than the average across all car models.
Depending on your insurance provider, the cost of insurance for a MINI Cooper can vary by approximately $842 each year.
MINI Cooper’s insurance costs vary by year, with older MINI Coopers having lower insurance rates.
How Much It Costs to Insure a MINI Cooper and the Cheapest Company
Your choice of insurance company for a MINI Cooper can have a significant influence on your insurance prices. Insurance for a MINI Cooper costs an average of $1,292 per year.
MoneyGeek found USAA is the cheapest car insurance company for a MINI Cooper, costing roughly $1,022 per year. This is $842 less than Allstate, which is the most expensive insurer. However, USAA is only available to military families.
Progressive is the cheapest widely available MINI Cooper car insurance provider and costs an average of $1,113 per year.
The Average Annual Cost of MINI Cooper Insurance by Company
MoneyGeek collected data on insurance provider rates using a 40-year-old male driver sample profile. The driver's liability insurance is 100/300/100 with comprehensive and collision coverage.
The Average Cost to Insure a MINI Cooper by Company
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- CompanyAverage Annual Rates
- 1.$1,022
- 2.$1,113
- 3.$1,144
- 4.$1,167
- 5.$1,261
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Is a MINI Cooper Expensive to Insure?
Different factors are evaluated by insurance companies to calculate the cost of car insurance for a MINI Cooper model. The probability of the car being stolen, the possibility of the car being involved in an accident, the driver's driving history, the driver's age and other factors are among them.
Certain car models tend to be more expensive to insure because of the value of the vehicle, repair costs and theft rates. The MINI Cooper falls into this category and is inexpensive to insure.
The Best Car Insurance Company for a MINI Cooper
Cost shouldn’t be the only factor when looking to buy MINI Cooper car insurance. It is important to consider the company’s customer complaints, affordability, customer satisfaction and financial stability.
MoneyGeek's rating system evaluated those factors and found that:
- USAA is the best car insurance company for a MINI Cooper. However, USAA is solely available to military personnel and their families.
- Progressive is the second-best insurance provider for the MINI Cooper.
1
USAA
Score:99
2
Nationwide
Score:87
3
Progressive
Score:87
4
GEICO
Score:86
5
State Farm
Score:85
6
Allied
Score:NaN
7
Allstate
Score:69
How Much It Costs to Insure a MINI Cooper by Model Year
Older versions of a MINI Cooper tend to be cheaper to insure because, as a car’s value depreciates, collision and comprehensive insurance become less expensive.
A 2020 MINI Cooper model's average insurance premium is $1,292.
Depending on the MINI Cooper model year, different insurance companies may provide a lower premium. USAA offers the cheapest 2020 MINI Cooper insurance at $1,022 per year. However, USAA is only available to military personnel and their families.
You can compare prices from different providers by scrolling to your model year.
The Average Cost to Insure a MINI Cooper by Model Year
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- CompanyAverage Annual Rates (2020 model)
- 1.$1,022
- 2.$1,113
- 3.$1,144
- 4.$1,167
- 5.$1,261
How Expensive Is It to Insure a MINI Cooper Compared to Other Cars?
In comparison to other car models and average costs of insurance, MINI Cooper's insurance costs are inexpensive. The average cost of insurance for a MINI Cooper is $1,292 per year, which is $135 less than the national average across all car models.
How Much It Costs to Insure a MINI Cooper for 16- to 25-Year-Olds
Younger drivers could pay significantly more for car insurance due to their lack of experience and higher risk of getting involved in an accident.
MINI Cooper's insurance coverage for an 18-year-old driver costs $2,924 more per year than a policy for a 40-year-old driver. An 18-year-old pays $4,216 on a MINI Cooper insurance per year.
Young drivers can save money by being on their parent’s policy instead of purchasing their own MINI Cooper insurance.
The cost of car insurance for a young driver between the ages of 16 and 25 is listed below.
The Average Cost to Insure a MINI Cooper by Driver Age
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- AgeAverage Annual Rates
- 16$5,405
- 17$4,788
- 18$4,216
- 19$3,020
- 20$2,695
How Does Location Affect the Cost of MINI Cooper Insurance?
The costs in this article are based on a national average. However, your location might have a significant influence on your car insurance policy. You can learn more about the cost of car insurance in each state on our state page analysis.
FAQs About MINI Cooper Insurance
The make and model of your car can have a considerable influence on the cost of your insurance, but these aren’t the only factors that insurers consider when calculating your premiums. Here are some frequently asked questions concerning MINI Cooper insurance.
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About Mark Fitzpatrick
sources
- National Highway Traffic Safety Administration. "Vehicle safety ratings." Accessed November 3, 2021.