- Mini Cooper insurance costs an estimated $2,278 per year on average, or about $190 per month for a policy with full coverage.
- Out of 47 vehicles in the small SUV segment, the Mini Cooper ranks 30th for insurance affordability.
- With the cheapest insurance rates, the Mini Cooper Hardtop 2-Door trim level costs an estimated $2,074 per year to insure.
- At the high end, the John Cooper Works Convertible is the most expensive to insure at $2,456 for an annual policy.
- Driving an older model of Mini Cooper could cut your insurance cost by $1,096 or more over the cost of a new model.
How much does Mini Cooper car insurance cost?
Mini Cooper insurance rates average $2,278 annually for full coverage, or $190 monthly. With the average compact SUV/crossover costing $2,206 a year to insure, the Mini Cooper could cost around $72 or more each year.
The chart below details average 2024 Mini Cooper car insurance rates using a range of driver ages, deductible levels, and risk profiles.
In the rate comparison chart above, insurance prices for Mini Cooper insurance range from a discount rate for a 40-year-old driver of $1,894 to the high-risk average rate for a 30-year-old driver of $5,224 per year.
Not included in the chart are average Mini Cooper insurance rates for teenage drivers. A 16-year-old male driver with a clean driving record would pay around $8,053 while a 16-year-old female would pay about $7,527. At age 17, males would pay around $7,812 and females $7,483.
Is Mini Cooper car insurance expensive?
The Mini Cooper ranks 30th out of 47 comparison vehicles in the 2024 small SUV segment. It costs an average of $2,278 per year to insure for full coverage and the class median average cost is $2,206 per year, making the Mini Cooper around $72 more expensive per year.
When compact SUV insurance rates are compared, auto insurance for a Mini Cooper costs $66 more per year than the Toyota RAV4, $232 more than the Honda CR-V, $68 more than the Chevrolet Equinox, and $124 more than the Nissan Rogue.
The table below shows how average 2024 Mini Cooper insurance rates compare to the rest of the entire compact SUV/crossover market.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,772 | -$506 |
| 2 | Chevrolet Trailblazer | $1,804 | -$474 |
| 3 | Kia Soul | $1,872 | -$406 |
| 4 | Nissan Kicks | $1,888 | -$390 |
| 5 | Buick Envision | $1,922 | -$356 |
| 6 | Toyota Corolla Cross | $1,932 | -$346 |
| 7 | Hyundai Venue | $1,950 | -$328 |
| 8 | Mazda CX-5 | $1,956 | -$322 |
| 9 | Ford Bronco Sport | $1,966 | -$312 |
| 10 | Volkswagen Tiguan | $1,984 | -$294 |
| 11 | Buick Encore | $2,038 | -$240 |
| 12 | Honda CR-V | $2,046 | -$232 |
| 13 | Volkswagen Taos | $2,056 | -$222 |
| 14 | Kia Niro | $2,066 | -$212 |
| 15 | Honda HR-V | $2,088 | -$190 |
| 16 | Subaru Forester | $2,134 | -$144 |
| 17 | Kia Seltos | $2,144 | -$134 |
| 18 | GMC Terrain | $2,148 | -$130 |
| 19 | Nissan Rogue | $2,154 | -$124 |
| 20 | Hyundai Kona | $2,158 | -$120 |
| 21 | Mazda CX-30 | $2,164 | -$114 |
| 22 | Volkswagen ID4 | $2,176 | -$102 |
| 23 | Ford Escape | $2,188 | -$90 |
| 24 | Chevrolet Equinox | $2,210 | -$68 |
| 25 | Toyota RAV4 | $2,212 | -$66 |
| 26 | Mazda MX-30 | $2,226 | -$52 |
| 27 | Hyundai Tucson | $2,232 | -$46 |
| 28 | Chevrolet Trax | $2,264 | -$14 |
| 29 | Mini Cooper Clubman | $2,274 | -$4 |
| 30 | Mini Cooper | $2,278 | -- |
| 31 | Mitsubishi Eclipse Cross | $2,302 | $24 |
| 32 | Jeep Renegade | $2,308 | $30 |
| 33 | Mitsubishi Outlander | $2,336 | $58 |
| 34 | Kia Sportage | $2,350 | $72 |
| 35 | Hyundai Ioniq 5 | $2,358 | $80 |
| 36 | Fiat 500X | $2,368 | $90 |
| 37 | Mini Cooper Countryman | $2,374 | $96 |
| 38 | Subaru Solterra | $2,376 | $98 |
| 39 | Mazda CX-50 | $2,380 | $102 |
| 40 | Nissan Ariya | $2,386 | $108 |
| 41 | Toyota bz4X | $2,390 | $112 |
| 42 | Mitsubishi Mirage | $2,398 | $120 |
| 43 | Kia EV6 | $2,474 | $196 |
| 44 | Dodge Hornet | $2,554 | $276 |
| 45 | Jeep Compass | $2,594 | $316 |
| 46 | Hyundai Nexo | $2,648 | $370 |
| 47 | Ford Mustang Mach-E | $2,806 | $528 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
What is the cheapest Mini Cooper insurance?
With Mini Cooper car insurance cost ranging from $2,074 to $2,456 annually for an average driver, the cheapest trim level to insure is the base Hardtop 2-Door. The next cheapest model to insure is the S Hardtop 2-Door at $2,184 per year. Plan on budgeting at least $173 per month for a policy with full coverage.
The most expensive models of Mini Cooper to insure are the John Cooper Works Convertible and the S Convertible at $2,456 per year. Those trims will cost an extra $382 per year to insure over the least expensive Hardtop 2-Door model.
The next table details average car insurance rates, including a monthly budget figure, for each trim level available for the 2024 Mini Cooper.
| 2024 Mini Cooper Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hardtop 2-Door | $2,074 | $173 |
| S Hardtop 2-Door | $2,184 | $182 |
| Hardtop 4-Door | $2,220 | $185 |
| SE Hardtop 2-Door Electric | $2,228 | $186 |
| S Hardtop 4-Door | $2,320 | $193 |
| John Cooper Works Hardtop 2-Door | $2,328 | $194 |
| Convertible | $2,334 | $195 |
| S Convertible | $2,376 | $198 |
| John Cooper Works Convertible | $2,456 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Will an older model be cheaper to insure?
Resisting that fancy 2024 model and driving a 2013 Mini Cooper with some miles on it could save at least $1,096 per year, depending on the age of the rated driver and the policy limits.
The table below illustrates average Mini Cooper car insurance rates for the 2013 to 2024 model years. Prices range from $982 for a 60-year-old driver rated on a 2013 Mini Cooper to $4,570 for a 20-year-old driver rated on a 2024 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Mini Cooper | $4,570 | $2,278 | $1,890 |
| 2023 Mini Cooper | $4,376 | $2,180 | $1,810 |
| 2022 Mini Cooper | $4,524 | $2,242 | $1,862 |
| 2021 Mini Cooper | $4,388 | $2,178 | $1,810 |
| 2020 Mini Cooper | $4,258 | $2,114 | $1,758 |
| 2019 Mini Cooper | $3,810 | $1,888 | $1,574 |
| 2018 Mini Cooper | $3,480 | $1,734 | $1,442 |
| 2017 Mini Cooper | $3,302 | $1,650 | $1,374 |
| 2016 Mini Cooper | $3,136 | $1,560 | $1,306 |
| 2015 Mini Cooper | $3,202 | $1,582 | $1,324 |
| 2014 Mini Cooper | $3,012 | $1,496 | $1,252 |
| 2013 Mini Cooper | $2,330 | $1,182 | $982 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Mini Cooper trim levels for each model year. Updated October 24, 2025
Ultimately, as any vehicle ages, the decision will have to be made to remove coverage for physical damage from the policy. As a Mini Cooper depreciates over time, the cost of insuring for physical damage claims is more than the benefits it provides.
As an example, eliminating physical damage coverage on a 2013 Mini Cooper may save you $796 annually, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.
Just keep in mind that removing comprehensive and collision coverage means you do not have insurance for claims like hitting a deer, damage from hail, fire, or flooding, or any kind of collision accident.