Mini Cooper Insurance Rates
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Is insurance high on Mini Coopers?
''Mini Cooper insurance rates could be a real ''killer.'' That's the term Ray McElhiney uses to describe what he has been quoted for insurance on a Mini Cooper in his native South Carolina. If one is available, you can't buy a new compact car for less money than it will cost Mr. McElhiney to insure that same Mini in his home state.
Do Mini Coopers have cheap insurance?
Many drivers have a Mini Cooper in their list of cars to buy. It's not only stylish, but it also has a decent amount of speed and can be an economical choice as well.
What are the common problems with Mini Coopers?
Yes, there are many common problems with mini cooper. Even though their small size makes them perfect for city streets and tight parking spaces, you will run across a great deal of engine trouble with this car.
Is Mini Cooper service expensive?
Mini Cooper service costs are not something that car owners have to worry about being an issue. When compared against other vehicles of similar class, Mini's are very affordable due to the fact that it does not require routine maintenance as often as other cars do.
Mini Cooper Trims Available
| Mini Cooper Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Convertible | $1392 | $703 | $116 |
| 4-Door Hatchback | $1425 | $705 | $119 |
| Signature Upholstery Convertible | $1443 | $728 | $120 |
| Signature Convertible | $1446 | $726 | $119 |
| S Hatchback | $1457 | $736 | $121 |
| Signature Upholstery 4-Door Hatchback | $1461 | $734 | $123 |
| Iconic Trim Convertible | $1497 | $741 | $126 |
| S Convertible | $1486 | $749 | $124 |
| S Signature Upholstery 2-Door Hatchback | $1505 | $742 | $124 |
| S Mini 60 Years Hatchback | $1508 | $756 | $126 |
| S Works Appearance Hatchback | $1504 | $763 | $126 |
| S Signature Upholstery 4-Door Hatchback | $1509 | $759 | $126 |
| Signature Hatchback | $1539 | $762 | $128 |
| S Signature Hatchback | $1532 | $761 | $128 |
| S Signature Convertible | $1533 | $773 | $128 |
| Signature Upholstery 2-Door Hatchback | $1547 | $774 | $130 |
| S Signature Upholstery Convertible | $1549 | $765 | $129 |
| 2-Door Hatchback | $1549 | $777 | $129 |
| S 60 Years Edition Hatchback | $1555 | $776 | $131 |
| S Iconic Trim Hatchback | $1569 | $786 | $133 |
| Iconic Trim Hatchback | $1575 | $783 | $132 |
| S Iconic Trim Convertible | $1594 | $796 | $133 |
| Mini 60 Years Hatchback | $1575 | $800 | $133 |
| John Cooper Works Hatchback | $1631 | $812 | $138 |
| John Cooper Works Signature Upholstery Hatchback | $1628 | $811 | $137 |
| John Cooper Works Iconic Trim Hatchback | $1695 | $842 | $141 |
| John Cooper Works Convertible | $1687 | $834 | $140 |
| John Cooper Works Signature Upholstery Convertible | $1740 | $869 | $144 |
| John Cooper Works Iconic Trim Convertible | $1712 | $860 | $145 |
Cost Summary
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $3535 | $294 |
| Safe Driver Age 20 | $3046 | $255 |
| At-fault Accidents Age 40 | $2179 | $183 |
| Low Deductibles Age 40 | $2001 | $167 |
| Safe Driver Age 30 | $1616 | $136 |
| Safe Driver Age 40 | $1541 | $128 |
| Safe Driver Age 50 | $1404 | $118 |
| Safe Driver Age 60 | $1380 | $115 |
| High Deductibles Age 40 | $1297 | $108 |
| Discount Rate Age 40 | $1290 | $107 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 MINI Cooper | $305 | $546 | $337 | $1325 |
| 2019 MINI Cooper | $297 | $540 | $336 | $1315 |
| 2018 MINI Cooper | $285 | $528 | $355 | $1302 |
| 2017 MINI Cooper | $277 | $502 | $368 | $1289 |
| 2016 MINI Cooper | $263 | $489 | $378 | $1263 |
| 2015 MINI Cooper | $250 | $455 | $387 | $1230 |
| 2014 MINI Cooper | $243 | $429 | $391 | $1196 |
| 2013 MINI Cooper | $232 | $382 | $395 | $1149 |
| 2012 MINI Cooper | $215 | $350 | $392 | $1098 |
| 2011 MINI Cooper | $207 | $327 | $395 | $1077 |
| 2010 MINI Cooper | $204 | $308 | $403 | $1052 |
| 2009 MINI Cooper | $188 | $287 | $407 | $1013 |
| 2008 MINI Cooper | $182 | $260 | $408 | $990 |
| 2007 MINI Cooper | $171 | $236 | $405 | $948 |
| 2006 MINI Cooper | $159 | $213 | $401 | $920 |
| 2005 MINI Cooper | $154 | $192 | $402 | $880 |
| 2004 MINI Cooper | $152 | $190 | $389 | $875 |
| 2003 MINI Cooper | $152 | $180 | $384 | $846 |
| 2002 MINI Cooper | $140 | $170 | $379 | $835 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1192 | $128 | -9.7% |
| Alaska | $1011 | $309 | -23.5% |
| Arizona | $1091 | $229 | -17.4% |
| Arkansas | $1320 | -$0 | 0.0% |
| California | $1503 | $183 | 13.8% |
| Colorado | $1256 | $64 | -4.9% |
| Connecticut | $1354 | $34 | 2.6% |
| Delaware | $1489 | $169 | 12.8% |
| Florida | $1647 | $327 | 24.9% |
| Georgia | $1220 | $100 | -7.6% |
| Hawaii | $947 | $373 | -28.4% |
| Idaho | $893 | $427 | -32.5% |
| Illinois | $981 | $339 | -25.8% |
| Indiana | $995 | $325 | -24.7% |
| Iowa | $891 | $429 | -32.6% |
| Kansas | $1252 | $68 | -5.2% |
| Kentucky | $1798 | $478 | 36.3% |
| Louisiana | $1952 | $632 | 48.1% |
| Maine | $815 | $506 | -38.4% |
| Maryland | $1089 | $231 | -17.6% |
| Massachusetts | $1051 | $269 | -20.5% |
| Michigan | $2289 | $969 | 73.6% |
| Minnesota | $1103 | $217 | -16.5% |
| Mississippi | $1579 | $259 | 19.7% |
| Missouri | $1170 | $150 | -11.4% |
| Montana | $1416 | $96 | 7.3% |
| Nebraska | $1039 | $281 | -21.4% |
| Nevada | $1581 | $261 | 19.9% |
| New Hampshire | $949 | $371 | -28.2% |
| New Jersey | $1473 | $152 | 11.6% |
| New Mexico | $1168 | $152 | -11.6% |
| New York | $1386 | $66 | 5.0% |
| North Carolina | $758 | $562 | -42.7% |
| North Dakota | $1079 | $241 | -18.3% |
| Ohio | $909 | $411 | -31.3% |
| Oklahoma | $1352 | $32 | 2.4% |
| Oregon | $1208 | $112 | -8.5% |
| Pennsylvania | $1256 | $64 | -4.9% |
| Rhode Island | $1758 | $437 | 33.2% |
| South Carolina | $1196 | $124 | -9.4% |
| South Dakota | $1112 | $209 | -15.9% |
| Tennessee | $1154 | $167 | -12.6% |
| Texas | $1591 | $271 | 20.6% |
| Utah | $975 | $345 | -26.2% |
| Vermont | $901 | $419 | -31.9% |
| Virginia | $788 | $532 | -40.4% |
| Washington | $1017 | $303 | -23.0% |
| West Virginia | $1210 | $110 | -8.4% |
| Wisconsin | $911 | $409 | -31.1% |
| Wyoming | $1176 | $144 | -10.9% |
Other Mini models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
