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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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 $1,416 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.

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
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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 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
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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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Save money by comparing MINI Hardtop 4 Door insurance rates with free quotes online now!

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