MINI Hardtop 2 Door Insurance [Comprehensive Guide]

The cost of MINI Hardtop 2 Door car insurance rates are $1,292 a year, or around $108 a month on average. On average, comprehensive coverage costs $315, collision coverage costs $459, and liability coverage costs $365 for MINI Hardtop 2 Door insurance.

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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 $1,292 a year or $108 each month
  • A liability-only policy costs around $518 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,722 a year or $394 each month
  • Good drivers can save as much as $533 a year by earning policy discounts
  • MINI Hardtop 2 Door insurance costs around $227 less per year than the average vehicle

If you are looking for MINI Hardtop 2 Door insurance rates, you’ve come to the right place. MINI Hardtop 2 Door insurance costs around $227 less per year than the average vehicle. Our guide goes over important rate factors, from driver history to crash test ratings, so you can better understand your MINI Hardtop 2 Door insurance rates.

You can start comparing quotes for MINI Hardtop 2 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 2 Door Insurance Cost

The average MINI Hardtop 2 Door auto insurance rates are $1,292 a year or $108 a month.

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Are MINI Hardtop 2 Doors Expensive to Insure?

The chart below details how MINI Hardtop 2 Door insurance rates compare to other coupes like the Audi S5, Dodge Challenger, and Mercedes-Benz CLA 250.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Audi S5 $394 $864 $398 $1,814
Dodge Challenger $404 $688 $420 $1,692
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Cadillac ATS Coupe $344 $686 $398 $1,586
Nissan 370Z $332 $714 $450 $1,676
Audi TT $382 $714 $398 $1,652
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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 Hardtop 2 Door Insurance?

The MINI Hardtop 2 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 2 Door insurance coverage.

Age of the Vehicle

The average MINI Hardtop 2 Door car insurance rates are higher for newer models. For example, car insurance for a 2018 MINI Hardtop 2 Door costs $1,292, while 2017 MINI Hardtop 2 Door insurance costs are $1,286, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 2 Door $282 $536 $338 $1,292
2017 MINI Hardtop 2 Door $272 $524 $354 $1,286
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Driver Age

Driver age can have a significant impact on MINI Hardtop 2 Door auto insurance rates. As an example, a 40-year-old driver could pay $136 less each month for their MINI Hardtop 2 Door auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on MINI Hardtop 2 Door insurance rates. For example, drivers in Los Angeles may pay $184 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of MINI Hardtop 2 Door car insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 2 Door car insurance with violations on their driving record.

MINI Hardtop 2 Door Safety Ratings

The MINI Hardtop 2 Door’s safety ratings will affect your MINI Hardtop 2 Door car insurance rates. See the chart 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 Hardtop 2 Door Crash Test Ratings

MINI Hardtop 2 Door crash test ratings can impact the cost of your MINI Hardtop 2 Door car insurance. See MINI Hardtop 2 Door crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 2 Door 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 Hardtop 2 Door Safety Features

The MINI Hardtop 2 Door safety features can help lower insurance costs. The 2020 MINI Hardtop 2 Door has the following safety features:

  • Active Driving Assistant
  • Forward Collision Warning
  • Automatic Emergency Braking
  • Air Bags
  • Ultra Rigid Body
  • LED Lights

MINI Hardtop 2 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2 Door, most lenders will require your carry higher MINI Hardtop 2 Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 2 Door auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on MINI Hardtop 2 Door Insurance

Although it may seem like your MINI Hardtop 2 Door car insurance rates are set, there are a few measures that you can take to secure the best MINI Hardtop 2 Door car insurance rates possible. Take a look at the following five ways to save on MINI Hardtop 2 Door auto insurance.

  • Add a More Experienced Driver to Your MINI Hardtop 2 Door Policy
  • Tell Your Insurer How You Use Your MINI Hardtop 2 Door
  • Install an Aftermarket Anti-Theft Device for Your MINI Hardtop 2 Door
  • Ask Your Insurance Company About MINI Hardtop 2 Door Discounts
  • Save Money on Young Driver MINI Hardtop 2 Door Insurance By Mentioning Grades or GPA

Top MINI Hardtop 2 Door Insurance Companies

Who is the top auto insurance company for MINI Hardtop 2 Door insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Hardtop 2 Door auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Hardtop 2 Door 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 Hardtop 2 Door Insurance Quotes Online

You can start comparing quotes for MINI Hardtop 2 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

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