Cooper Insurance Cost Estimate [List of Money Saving Tips]

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Key takeaways:

  • Full coverage costs around $1,276 a year or $106 each month
  • A liability-only policy costs around $511 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,664 a year or $389 each month
  • Good drivers can save as much as $526 a year by earning policy discounts
  • MINI Cooper insurance costs around $243 less per year than the average vehicle

Don’t let MINI Cooper insurance rates ruin your budget. MINI Cooper insurance costs around $243 less per year than the average vehicle. Read on to learn what drivers can do to save on MINI Cooper insurance rates.

You can start comparing quotes for MINI Cooper car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Cooper Insurance Cost

The average MINI Cooper car insurance costs are $1,276 a year or $106 a month.

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Are MINI Coopers Expensive to Insure?

The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Mercedes-Benz E300, Jaguar XF, and Audi S8.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz E300 $394 $744 $338 $1,612
Jaguar XF $406 $804 $398 $1,766
Audi S8 $658 $1368 $398 $2,582
Volvo S60 $332 $656 $398 $1,544
Audi A4 $332 $656 $398 $1,544
Mercedes-Benz S450 $494 $982 $398 $2,032
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However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Cooper Insurance?

The MINI Cooper trim and model you choose will affect the total price you will pay for MINI Cooper insurance coverage.

Age of the Vehicle

The average MINI Cooper auto insurance rates are higher for newer models. For example, auto insurance for a 2016 MINI Cooper costs $1,276, while 2010 MINI Cooper insurance costs are $1,064, a difference of $212.

Model Year Comprehensive Collision Liability Total
2016 MINI Cooper $274 $502 $364 $1,276
2015 MINI Cooper $260 $484 $376 $1,256
2014 MINI Cooper $250 $450 $384 $1,220
2013 MINI Cooper $240 $424 $388 $1,188
2012 MINI Cooper $230 $380 $390 $1,136
2011 MINI Cooper $214 $350 $390 $1,090
2010 MINI Cooper $206 $328 $394 $1,064
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Driver Age

Driver age can have a significant impact on MINI Cooper auto insurance rates. For example, 20-year-old drivers pay approximately $1,561 more each year for their MINI Cooper auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in New York may pay $332 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of MINI Cooper car insurance. Teens and drivers in their 20’s see the highest jump in their MINI Cooper car insurance with violations on their driving record.

MINI Cooper Safety Ratings

The MINI Cooper’s safety ratings will affect your MINI Cooper auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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MINI Cooper Crash Test Ratings

Not only do good MINI Cooper crash test ratings mean you are better protected in a crash, but good MINI Cooper crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Cooper N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Cooper Safety Features

The safety features of the MINI Cooper can impact your MINI Cooper car insurance rates. The MINI Cooper has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Auto-Leveling Headlights

MINI Cooper Finance and Insurance Cost

If you are financing a MINI Cooper, most lenders will require your carry higher MINI Cooper coverage options including comprehensive coverage, so be sure to shop around and compare MINI Cooper car insurance rates from the best companies using our FREE tool below.

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Ways to Save on MINI Cooper Insurance

Save more on your MINI Cooper car insurance rates. Take a look at the following five strategies that will get you the best MINI Cooper auto insurance rates possible.

  • Ask About MINI Cooper Safety Discounts
  • Don’t Always Pick the Cheapest MINI Cooper Insurance Policy
  • Install an Aftermarket Anti-Theft Device for Your MINI Cooper
  • Understand that Insurance Companies Can’t Change Your MINI Cooper Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Get Cheaper MINI Cooper Car Insurance Rates as a Full-Time Parent

Top MINI Cooper Insurance Companies

Who is the top auto insurance company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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