- Mini Cooper insurance costs an estimated $1,648 per year on average, or about $137 per month for a policy with full coverage.
- Out of 47 vehicles in the small SUV segment, the Mini Cooper ranks 32nd for insurance affordability.
- With the cheapest insurance rates, the Mini Cooper Hardtop 2-Door trim level costs an estimated $1,522 per year to insure.
- At the high end, the John Cooper Works Convertible is the most expensive to insure at $1,746 for an annual policy.
- Driving an older model of Mini Cooper could cut your insurance cost by $712 or more over the cost of a new model.
How much does Mini Cooper car insurance cost?
Mini Cooper insurance rates average $1,648 annually for full coverage, or $137 monthly. With the average compact SUV/crossover costing $1,606 a year to insure, the Mini Cooper could cost around $42 or more each year.
The chart below details average 2023 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 $1,370 to the high-risk average rate for a 30-year-old driver of $3,732 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 $5,864 while a 16-year-old female would pay about $5,162. At age 17, males would pay around $5,490 and females $4,876.
Is Mini Cooper car insurance expensive?
The Mini Cooper ranks 32nd out of 47 comparison vehicles in the 2023 small SUV segment. It costs an average of $1,648 per year to insure for full coverage and the class median average cost is $1,606 per year, making the Mini Cooper around $42 more expensive per year.
When compact SUV insurance rates are compared, auto insurance for a Mini Cooper costs $14 more per year than the Toyota RAV4, $152 more than the Honda CR-V, $60 more than the Chevrolet Equinox, and $26 more than the Nissan Rogue.
The table below shows how average 2023 Mini Cooper insurance rates compare to the rest of the entire compact SUV/crossover market.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,334 | -$314 |
| 2 | Subaru Crosstrek | $1,346 | -$302 |
| 3 | Nissan Kicks | $1,354 | -$294 |
| 4 | Nissan Rogue Sport | $1,378 | -$270 |
| 5 | Mazda CX-5 | $1,386 | -$262 |
| 6 | Buick Encore | $1,406 | -$242 |
| 7 | Buick Envision | $1,410 | -$238 |
| 8 | Kia Seltos | $1,430 | -$218 |
| 9 | Hyundai Venue | $1,440 | -$208 |
| 10 | Honda HR-V | $1,464 | -$184 |
| 11 | Hyundai Kona | $1,480 | -$168 |
| 12 | Subaru Forester | $1,486 | -$162 |
| 13 | Honda CR-V | $1,496 | -$152 |
| 14 | Mazda CX-30 | $1,498 | -$150 |
| 15 | Chevrolet Trax | $1,514 | -$134 |
| 16 | Volkswagen Tiguan | $1,532 | -$116 |
| 17 | Ford Bronco Sport | $1,536 | -$112 |
| 18 | Fiat 500X | $1,564 | -$84 |
| 19 | GMC Terrain | $1,566 | -$82 |
| 20 | Kia Soul | $1,568 | -$80 |
| 21 | Mitsubishi Eclipse Cross | $1,572 | -$76 |
| 22 | Chevrolet Equinox | $1,588 | -$60 |
| 23 | Toyota Corolla Cross | $1,592 | -$56 |
| 24 | Volkswagen Taos | $1,600 | -$48 |
| 25 | Mazda CX-50 | $1,610 | -$38 |
| 26 | Hyundai Tucson | $1,614 | -$34 |
| 27 | Ford Escape | $1,616 | -$32 |
| 28 | Nissan Rogue | $1,622 | -$26 |
| 29 | Toyota RAV4 | $1,634 | -$14 |
| 30 | Mazda MX-30 | $1,636 | -$12 |
| 31 | Kia Niro | $1,638 | -$10 |
| 32 | Mini Cooper | $1,648 | -- |
| 33 | Jeep Compass | $1,652 | $4 |
| 34 | Mini Cooper Clubman | $1,674 | $26 |
| 35 | Jeep Renegade | $1,698 | $50 |
| 36 | Chevrolet Bolt | $1,710 | $62 |
| 37 | Toyota bz4X | $1,716 | $68 |
| 38 | Kia Sportage | $1,760 | $112 |
| 39 | Hyundai Ioniq 5 | $1,764 | $116 |
| 40 | Mini Cooper Countryman | $1,812 | $164 |
| 41 | Mitsubishi Mirage | $1,818 | $170 |
| 42 | Mitsubishi Outlander | $1,820 | $172 |
| 43 | Volkswagen ID4 | $1,832 | $184 |
| 44 | Kia EV6 | $1,870 | $222 |
| 45 | Dodge Hornet | $1,872 | $224 |
| 46 | Hyundai Nexo | $1,938 | $290 |
| 47 | Ford Mustang Mach-E | $1,996 | $348 |
What is the cheapest Mini Cooper insurance?
With Mini Cooper car insurance cost ranging from $1,522 to $1,746 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 $1,600 per year. Plan on budgeting at least $127 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 Hardtop 4-Door at $1,746 per year. Those trims will cost an extra $224 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 2023 Mini Cooper.
| Mini Cooper Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Hardtop 2-Door | $1,522 | $761 | $127 |
| S Hardtop 2-Door | $1,600 | $800 | $133 |
| Convertible | $1,626 | $813 | $136 |
| SE Hardtop 2-Door Electric | $1,630 | $815 | $136 |
| Hardtop 4-Door | $1,632 | $816 | $136 |
| S Convertible | $1,682 | $841 | $140 |
| John Cooper Works Hardtop 2-Door | $1,688 | $844 | $141 |
| S Hardtop 4-Door | $1,700 | $850 | $142 |
| John Cooper Works Convertible | $1,746 | $873 | $146 |
Will an older model be cheaper to insure?
Resisting that fancy 2023 model and driving a 2013 Mini Cooper with some miles on it could save at least $712 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 2023 model years. Prices range from $840 for a 60-year-old driver rated on a 2013 Mini Cooper to $3,272 for a 20-year-old driver rated on a 2023 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Mini Cooper | $3,272 | $1,648 | $1,472 |
| 2022 Mini Cooper | $3,374 | $1,694 | $1,514 |
| 2021 Mini Cooper | $3,272 | $1,646 | $1,474 |
| 2020 Mini Cooper | $3,232 | $1,624 | $1,454 |
| 2019 Mini Cooper | $2,910 | $1,462 | $1,308 |
| 2018 Mini Cooper | $2,742 | $1,378 | $1,236 |
| 2017 Mini Cooper | $2,552 | $1,286 | $1,150 |
| 2016 Mini Cooper | $2,492 | $1,250 | $1,124 |
| 2015 Mini Cooper | $2,580 | $1,292 | $1,160 |
| 2014 Mini Cooper | $2,394 | $1,200 | $1,078 |
| 2013 Mini Cooper | $1,842 | $936 | $840 |
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 $606 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.
