Cooper Insurance Cost Estimate [List of Money Saving Tips]
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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