Mini Car Insurance Rates for 2023

How much does Mini insurance cost? We analyze average car insurance rates for all Mini models to see which has the cheapest insurance.

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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 2023 Mini models ranges from $1,690 per year for the Mini Cooper to $1,860 per year for the Mini Cooper Countryman.

The insurance cost when averaged for all 2023 Mini models is $1,757. Compared to the U.S. average car insurance rate of $1,728, Mini vehicles cost $29 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.

Average Insurance Cost for Mini Vehicles
Model Annual Cost Monthly Cost
Mini Cooper$1,690$141
Mini Cooper Clubman$1,720$143
Mini Cooper Countryman$1,860$155
Mini Cooper Paceman 2016 and prior model years$1,446$121

Is a Mini expensive to insure?

When compared to other popular automakers, average Mini auto insurance costs 2.3% less per year than Chevrolet, 3.9% less than Ford, 5.9% more than Honda, and 1% less than Nissan.

The chart below compares average Mini car insurance (orange bar at $1,757 per year) to these five popular automotive brands.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average car insurance rates include all Mini, Chevrolet, Ford, Honda, Nissan, and Toyota vehicles for the 2023 model year. Rated driver is a 40-year-old married male with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Mini Car Insurance Cost vs. Top Competitors

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 $1,757 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.

Mini Car Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Land Rover$2,201$444

Get Rates in Your AreaWhy is this important?

Table Data Details: Average car insurance cost for each automotive brand assumes a clean driving record and no at-fault accidents for a 40-year-old driver. Rates are averaged for all 2023 models for each manufacturer and for all U.S. states. The difference column indicates the cost difference between each brand and the average cost of Mini insurance. Green indicates the brand is cheaper to insure on average than Mini and red indicates the brand costs more to insure on average than Mini.Data last updated on August 12, 2023
Mini Car Insurance Cost vs. Popular Automotive Brands

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.