The cheapest annual full coverage for a MINI Cooper is $922, while the highest is $5,397 for 16-year-olds. Rates vary based on the car’s production year, driver age, parking location, driving history, coverage level and insurer. MoneyGeek analyzes MINI Cooper insurance costs and coverage, highlighting the best and most affordable options.
MINI Cooper Insurance Cost
Updated: April 11, 2025
Key Takeaways
GEICO provides the most affordable minimum coverage across all MINI Cooper model years at $424 annually.
For a MINI Cooper, the average annual cost is $515 for minimum coverage and $1,245 for full coverage.
MoneyGeek thoroughly analyzed 4,183 MINI Cooper insurance quotes from Quadrant Information Services, ensuring reliable insights.
MINI Cooper Insurance Rates
What Is the Average MINI Cooper Car Insurance Cost?
The average cost of full coverage insurance for a MINI Cooper is $104 per month or $1,245 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs about $43 per month or $515 per year.
| Minimum Coverage | $515 |
| Full Coverage | $1,245 |
MINI Cooper Insurance Costs by Company
MINI Cooper insurance costs range from $954 to $1,871 annually, depending on age, model year and coverage level. The table below compares average MINI Cooper insurance rates with the averages for all vehicles from various national and mid-sized providers.
| Allstate | $1,660 | $1,811 | -8% |
| Auto-Owners | $1,126 | $1,227 | -8% |
| Farmers | $1,387 | $1,960 | -29% |
| GEICO | $1,101 | $1,334 | -17% |
| Kemper | $1,871 | $2,214 | -15% |
| Nationwide | $1,353 | $1,590 | -15% |
| Progressive | $1,370 | $1,746 | -22% |
| State Farm | $1,057 | $1,271 | -17% |
| Travelers | $1,238 | $1,523 | -19% |
| USAA | $954 | $1,202 | -21% |
Read more: Best Car Insurance Companies
Cost of Insuring a MINI Cooper by Model Year
The year your MINI Cooper was produced can impact your insurance rates, with older models often being cheaper. For example, full coverage for a 2022 MINI Cooper costs $1,378 annually, while it costs $1,095 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $504 | $1,378 |
| 2021 | $504 | $1,363 |
| 2020 | $491 | $1,347 |
| 2019 | $521 | $1,336 |
| 2018 | $528 | $1,320 |
| 2017 | $518 | $1,308 |
| 2016 | $551 | $1,294 |
| 2015 | $561 | $1,282 |
| 2014 | $529 | $1,240 |
| 2013 | $540 | $1,197 |
| 2012 | $528 | $1,154 |
| 2011 | $506 | $1,135 |
| 2010 | $528 | $1,115 |
| 2009 | $526 | $1,095 |
MINI Cooper Insurance Costs by Driver Age
MINI Cooper insurance rates vary widely depending on the driver's age. For example, 16-year-olds pay around $5,397 annually for full coverage, while 40-year-olds pay about $1,255. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,362 | $5,397 |
| 17 | $1,919 | $4,404 |
| 18 | $1,669 | $3,864 |
| 19 | $1,196 | $2,774 |
| 20 | $1,072 | $2,519 |
| 21 | $852 | $2,040 |
| 22 | $778 | $1,875 |
| 23 | $721 | $1,749 |
| 24 | $683 | $1,663 |
| 25 | $609 | $1,488 |
| 26 | $596 | $1,441 |
| 27 | $582 | $1,409 |
| 28 | $572 | $1,386 |
| 29 | $563 | $1,367 |
| 30 | $544 | $1,318 |
| 35 | $530 | $1,278 |
| 40 | $524 | $1,255 |
| 45 | $520 | $1,239 |
| 50 | $508 | $1,201 |
| 55 | $495 | $1,170 |
| 60 | $495 | $1,167 |
| 65 | $525 | $1,198 |
| 70 | $569 | $1,282 |
| 75 | $632 | $1,405 |
| 80 | $716 | $1,566 |
| 85 | $778 | $1,685 |
| 90 | $822 | $1,764 |
MINI Cooper Insurance Rates Explained
Car insurance rates depend on several factors, including the driver’s profile. Insurers also consider details about the vehicle, such as its make, model, age and safety features. Below is a breakdown of these vehicle-related cost factors.
MINI Cooper Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296MINI Cooper
Average Full Coverage Rate
$1,245Premiums for MINI Cooper are cheaper:$51 saved
This is 4% less expensive.
Value
The MINI Cooper's MSRP of $26,150 classifies it as a compact car. Its price can affect insurance costs, as lower MSRPs often result in lower premiums.
Repair costs
The MINI Cooper's annual repair cost is $846, below the national average. Affordable and simpler repairs can help reduce insurance costs.
Performance
The MINI Cooper delivers 121 to 181 horsepower, making it a moderate performer. Insurers may consider this lower risk, which can impact insurance costs.
Vehicle age
Newer MINI Coopers are usually more expensive to insure. However, collector cars can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the MINI Cooper for insurance discounts.
Vehicle size
Larger vehicles cost more to insure, but the MINI Cooper's compact size may result in lower costs.
Trim level
Higher trim levels with premium features increase MSRPs and insurance costs. For example, the Cooper S trim costs more to insure than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. The MINI Cooper's theft claim frequency of 24 can affect rates.
Anti-theft features
The MINI Cooper comes with a standard security system, which can help lower insurance premiums.
Cheapest MINI Cooper Insurance
GEICO offers the lowest annual minimum coverage rate for a MINI Cooper at $424, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance rates for various coverage levels, age groups, driving records and model years.
Cheapest MINI Cooper Insurance by Coverage Level
Choosing the right coverage level significantly impacts your MINI Cooper insurance rates. GEICO offers the cheapest minimum coverage, while State Farm provides the most affordable full coverage. Below is a breakdown of the low-cost providers for both types.
Cheapest MINI Cooper Minimum Coverage
GEICO offers the cheapest minimum coverage for a MINI Cooper at $35 per month. Other affordable options include State Farm ($37), Farmers ($44) and Travelers ($44).
| USAA | $30 | $359 |
| GEICO | $35 | $424 |
| State Farm | $37 | $443 |
| Travelers | $44 | $523 |
| Farmers | $44 | $525 |
| Progressive | $45 | $542 |
| Nationwide | $48 | $573 |
| Allstate | $56 | $675 |
*GEICO offers non-military-affiliated MINI Cooper owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best MINI Cooper Insurance Rates by Model Year
Because the above list doesn't account for model production year, lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every MINI Cooper production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $684 | $57 |
| Farmers | $528 | $44 |
| GEICO | $427 | $36 |
| Nationwide | $627 | $52 |
| Progressive | $575 | $48 |
| State Farm | $406 | $34 |
| Travelers | $544 | $45 |
| USAA | $384 | $32 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage MINI Cooper Insurance
State Farm offers the cheapest full coverage for a MINI Cooper at $85 monthly or $1,024 annually. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $77 | $922 |
| State Farm | $85 | $1,024 |
| GEICO | $88 | $1,060 |
| Travelers | $101 | $1,217 |
| Nationwide | $106 | $1,268 |
| Farmers | $107 | $1,288 |
| Progressive | $107 | $1,290 |
| Allstate | $131 | $1,575 |
*On average, State Farm is the cheapest insurer for non-military-affiliated MINI Cooper owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest MINI Cooper Insurance by Age
Younger drivers (16 to 25) and seniors (55 and up) often pay more for MINI Cooper insurance. Below is a breakdown of the cheapest options by age.
Cheapest MINI Cooper Insurance for Young Drivers
State Farm offers the most affordable auto insurance rates for Mini Cooper drivers, starting at $80 monthly or $964 annually for minimum coverage. Below is the complete list of the cheapest rates for MINI Cooper drivers aged 16 to 25.
| USAA | $61 | $730 |
| State Farm | $80 | $964 |
| GEICO | $82 | $989 |
| Travelers | $91 | $1,086 |
| Farmers | $118 | $1,414 |
| Nationwide | $123 | $1,475 |
| Progressive | $126 | $1,509 |
| Allstate | $131 | $1,570 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest MINI Cooper Insurance for Seniors
Seniors aged 55 and up can find the cheapest car insurance with State Farm at $41 monthly or $486 annually. See the full list of affordable MINI Cooper insurers below.
| USAA | $39 | $474 |
| State Farm | $41 | $486 |
| GEICO | $42 | $504 |
| Travelers | $52 | $629 |
| Nationwide | $56 | $671 |
| Progressive | $56 | $675 |
| Farmers | $59 | $709 |
| Allstate | $69 | $826 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest MINI Cooper Insurance After an Accident
State Farm, GEICO and Travelers offer MINI Cooper drivers the cheapest car insurance after an accident. See the complete list below for more options.
| USAA | $45 | $541 |
| State Farm | $46 | $555 |
| GEICO | $55 | $658 |
| Travelers | $61 | $735 |
| Progressive | $72 | $859 |
| Nationwide | $72 | $865 |
| Allstate | $77 | $921 |
| Farmers | $90 | $1,076 |
*State Farm provides the lowest rates for non-military-affiliated at-fault MINI Cooper drivers. USAA is the most affordable option for military-affiliated drivers.
MINI Cooper Insurance Cost: Bottom Line
Regularly comparing car insurance rates from different providers can help you find the cheapest option. This article provides an in-depth look at MINI Cooper insurance, including costs across various demographic groups and the most affordable providers.
MINI Cooper Insurance Rates: FAQ
Below are answers to common questions about MINI Cooper insurance costs to help you understand affordable and minimum coverage options.
What company has the cheapest car insurance for a MINI Cooper?
GEICO is the most affordable option for insuring a MINI Cooper, with an annual minimum coverage rate of $424.
What is the average cost of car insurance for a MINI Cooper?
A MINI Cooper's average annual insurance cost is $515 for minimum coverage and $1,245 for full coverage.
MINI Cooper Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 MINI Cooper insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a MINI Cooper:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine MINI Cooper insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your MINI Cooper.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.