Owned by BMW and manufactured in England and the Netherlands, the Mini brand has history back to 1959. The original two-door Mini has the distinction of being named the “Car of the Century” by Autocar magazine in 1995.
Today’s Minis have a rabid fan base who love the compact size and sporty performance offered by the quaint vehicles. Car insurance for Minis is not expensive, per se, but it’s not as cheap as you would think based on the size and relatively affordable purchase price.
How much does average car insurance cost for a Mini?
Average car insurance cost for 2024 Mini models ranges from $2,220 per year for the Mini Cooper Clubman to $2,318 per year for the Mini Cooper Countryman.
The insurance cost when averaged for all 2024 Mini models is $2,255. Compared to the U.S. average car insurance rate of $2,221, Mini vehicles cost $34 more per year on average to insure.
The table below shows the average Mini insurance rates for models produced since 2013. Discontinued models have the last production year noted next to the model name.
| Model | Annual Premium | Cost Per Month |
|---|---|---|
| Mini Cooper | $2,226 | $186 |
| Mini Cooper Clubman | $2,220 | $185 |
| Mini Cooper Countryman | $2,318 | $193 |
| Mini Cooper Paceman 2016 and prior model years | $1,698 | $142 |
Is a Mini expensive to insure?
When compared to other popular automakers, average Mini auto insurance costs 5% less per year than Chevrolet, 7.9% less than Ford, 6% more than Honda, and 7.2% less than Nissan.
The chart below compares average Mini car insurance (orange bar at $2,255 per year) to these five popular automotive brands.
The next table expands the list of comparison brands, including luxury manufacturers like BMW and Mercedes-Benz, plus additional non-luxury automakers like Kia, Mazda, and Volkswagen.
Average Mini insurance cost is in the first row at $2,255 per year, with each other brand compared below it. If the difference value is green, the comparison brand is cheaper to insure than Mini. If the value is red, the brand is more expensive to insure on average than Mini.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Mini | $2,255 | -- |
| Acura | $2,202 | -$53 |
| Audi | $3,025 | $770 |
| Cadillac | $2,518 | $263 |
| Chevrolet | $2,370 | $115 |
| Dodge | $2,911 | $656 |
| Ford | $2,441 | $186 |
| Genesis | $2,798 | $543 |
| GMC | $2,435 | $180 |
| Honda | $2,123 | -$132 |
| Hyundai | $2,314 | $59 |
| Infiniti | $2,456 | $201 |
| Jaguar | $2,883 | $628 |
| Jeep | $2,558 | $303 |
| Kia | $2,259 | $4 |
| Land Rover | $3,065 | $810 |
| Lexus | $2,601 | $346 |
| Lincoln | $2,587 | $332 |
| Mazda | $2,240 | -$15 |
| Mercedes-Benz | $3,386 | $1,131 |
| Mitsubishi | $2,273 | $18 |
| Nissan | $2,424 | $169 |
| Subaru | $2,229 | -$26 |
| Tesla | $2,839 | $584 |
| Toyota | $2,400 | $145 |
| Volkswagen | $2,187 | -$68 |
| Volvo | $2,620 | $365 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 27, 2025
As evidenced by the colors in the difference column in the table above, Mini insurance is not the cheapest, but it’s also far from the most expensive.
Luxury brands are definitely more expensive to insure overall than Mini, while mainstream brands tend to be slightly to moderately cheaper.
The key when comparing car insurance cost is to look at the cost for the specific model of vehicle you’re insuring. Each linked Mini model in the first table on this page has very detailed rates both for trim levels and different model years.
And when you’re ready to compare rates between the best car insurance companies, see our free auto insurance quote page.