What is the Best Car Insurance for a MINI Hardtop 4 Door?
Auto insurance rates for a MINI Hardtop 4 Door average $1,416 a year, or around $118 a month. Finding MINI Hardtop 4 Door teenager insurance rates can cost on average $5,175 a year, so shop around to find cheap coverage.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 16, 2021
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Key takeaways:
- Full coverage costs around $1,416 a year or $118 each month
- A liability-only policy costs around $568 a year or $47 each month
- Highest rates are for teenage drivers at around $5,175 a year or $431 each month
- Good drivers can save as much as $584 a year by earning policy discounts
- MINI Hardtop 4 Door insurance costs around $103 less per year than the average vehicle
MINI Hardtop 4 Door insurance rates average $1,416 a year or $118 a month for full coverage. Owners of an older MINI may choose to get liability-only coverage which averages $568 a year or $47 a month.
Good drivers can save up to $584 a year in policy discounts by practicing safe driving habits. We’re going to take a quick look at MINI Hardtop 4 Door insurance rates, safety features, and more.
You can start comparing quotes for MINI Hardtop 4 Door car insurance rates from some of the best car insurance companies by using our free online tool now.
Table of Contents
MINI Hardtop 4 Door Insurance Cost
The average MINI Hardtop 4 Door car insurance rates are $1,416 a year or $118 a month.
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Are MINI Hardtop 4 Doors Expensive to Insure?
The chart below details how MINI Hardtop 4 Door insurance rates compare to other sedans like the Audi S4, Ford Taurus, and Chevrolet Sonic.
| Vehicle | Comprehensive | Collision | Liability | Total |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
| Chevrolet Impala | $280 | $532 | $372 | $1,342 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Kia Forte | $322 | $500 | $372 | $1,352 |
However, there are a few things you can do to find the cheapest MINI insurance rates online.
What Impacts the Cost of MINI Hardtop 4 Door Insurance?
The MINI Hardtop 4 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 4 Door insurance coverage.
Age of the Vehicle
The average MINI Hardtop 4 Door auto insurance rates are higher for newer models. For example, auto insurance for a 2018 MINI Hardtop 4 Door costs $1,416, while 2017 MINI Hardtop 4 Door insurance costs are $1,410, a difference of $6.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| 2017 MINI Hardtop 4 Door | $284 | $552 | $416 | $1,410 |
Driver Age
Driver age can have a significant effect on the cost of MINI Hardtop 4 Door car insurance. For example, 30-year-old drivers pay approximately $62 more for their MINI Hardtop 4 Door car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in Phoenix may pay $778 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of MINI Hardtop 4 Door car insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 4 Door car insurance with violations on their driving record.
MINI Hardtop 4 Door Safety Features
Having a variety of safety features on your MINI Hardtop 4 Door can help lower your insurance costs. According to AutoBlog, the 2020 MINI Hardtop 4 Door’s safety features include:
- Active Brakes
- Dynamic Stability Control
- Cornering Brake Control
- Head-Up Display
- Adaptive Cruise Control
- Crash Sensor System
- Rollover Protection Bar
MINI Hardtop 4 Door Finance and Insurance Cost
If you are financing a MINI Hardtop 4 Door, you will pay more if you purchase MINI Hardtop 4 Door car insurance at the dealership, so be sure to shop around and compare MINI Hardtop 4 Door car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on MINI Hardtop 4 Door Insurance
You have more options at your disposal to save money on your MINI Hardtop 4 Door auto insurance costs. For example, try taking advantage of the following five strategies to reduce your MINI Hardtop 4 Door car insurance rates
- Check the Odometer on Your MINI Hardtop 4 Door
- Reduce Your Coverage on an Older MINI Hardtop 4 Door
- Consider Ride Sharing Services to Lower Your MINI Hardtop 4 Door Mileage
- Get Married and Ask for a Discount
- Add a More Experienced Driver to Your MINI Hardtop 4 Door Policy
Top MINI Hardtop 4 Door Insurance Companies
Who is the top auto insurance company for MINI Hardtop 4 Door insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Hardtop 4 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 4 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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