Compare Cheap MINI Convertible Insurance Quotes

If you want to buy cheap MINI Convertible insurance coverage then you should know that a policy will cost $100 per month ($1,204 per year) on average. Finding MINI Convertible teenager insurance rates can cost on average $4,401 a year, so shop around to find cheap coverage.

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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 16, 2021

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Key takeaways:

  • Full coverage costs around $1,204 a year or $100 each month
  • A liability-only policy costs around $483 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,401 a year or $367 each month
  • Good drivers can save as much as $496 a year by earning policy discounts
  • MINI Convertible insurance costs around $315 less per year than the average vehicle

With a little planning, it is possible to find cheap MINI Convertible insurance rates. MINI Convertible insurance costs around $315 less per year than the average vehicle. Read on to learn how to save on insurance rates for a MINI Convertible.

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

MINI Convertible Insurance Cost

The average MINI Convertible car insurance rates are $1,204 a year or $100 a month.

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Are MINI Convertibles Expensive to Insure?

The chart below details how MINI Convertible insurance rates compare to other convertibles like the BMW M6, Mercedes-Benz SLC 300, and Buick Cascada.

Vehicle Comprehensive Collision Liability Total
MINI Convertible $294 $536 $264 $1,204
BMW M6 $520 $1130 $450 $2,280
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Buick Cascada $332 $656 $398 $1,544
Mercedes-Benz SL 450 $482 $922 $398 $1,960
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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 Convertible Insurance?

The MINI Convertible trim and model you choose can impact the total price you will pay for MINI Convertible car insurance coverage.

Age of the Vehicle

Older MINI Convertible models generally cost less to insure. For example, auto insurance rates for a 2018 MINI Convertible are $1,204, while 2017 MINI Convertible rates are $1,192, a difference of $12.

Model Year Comprehensive Collision Liability Total
2018 MINI Convertible $294 $536 $264 $1,204
2017 MINI Convertible $284 $524 $274 $1,192
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Driver Age

Driver age can have a significant impact on MINI Convertible auto insurance rates. As an example, a 40-year-old driver could pay $127 less each month for their MINI Convertible auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on MINI Convertible insurance rates. For example, drivers in Los Angeles may pay $662 a year more than drivers in Phoenix.

Your Driving Record

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

MINI Convertible Safety Ratings

Your MINI Convertible auto insurance rates are influenced by the MINI Convertible’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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MINI Convertible Crash Test Ratings

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

Vehicle Tested Overall Frontal Side Rollover
MINI Convertible 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 Convertible Safety Features

Most drivers don’t realize that not only do MINI Convertible safety features play a vital role in keeping passengers safe in crashes, but they can also help lower MINI Convertible auto insurance rates. The MINI Convertible’s safety features include:

  • Forward Collision Warning
  • Automatic Emergency Braking
  • Front Airbags, Side-Impact Airbags, and Knee Airbags
  • LED Headlights
  • Hidden Roll Bar

MINI Convertible Finance and Insurance Cost

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

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Ways to Save on MINI Convertible Insurance

There are many ways that you can save on MINI Convertible car insurance. Below are five actions you can take to find cheap MINI Convertible auto insurance rates.

  • Move to an Area with Better Weather
  • Ask About Retiree Discounts
  • Ask About Seasonal Insurance for Your MINI Convertible
  • Take Advantage of Referral Fees
  • Ask for a Higher Deductible for Your MINI Convertible Insurance Policy

Top MINI Convertible Insurance Companies

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

To start comparing MINI Convertible car insurance quotes for free, use our online car insurance comparison tool.

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