Mini Cooper Insurance for 2023

• Mini Cooper insurance costs an estimated $1,690 per year on average, or about $141 per month for a policy with full coverage.
• Out of 47 vehicles in the small SUV segment, the Mini Cooper ranks 32^nd for insurance affordability.
• With the cheapest insurance rates, the Mini Cooper Hardtop 2-Door trim level costs an estimated $1,562 per year to insure.
• At the high end, the John Cooper Works Convertible is the most expensive to insure at $1,792 for an annual policy.
• Driving an older model of Mini Cooper could cut your insurance cost by $730 or more over the cost of a new model.

How much does Mini Cooper car insurance cost?

Mini Cooper insurance rates average $1,690 annually for full coverage, or $141 monthly. With the average compact SUV/crossover costing $1,649 a year to insure, the Mini Cooper could cost around $41 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 $1,406 to the high-risk average rate for a 30-year-old driver of $3,830 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 $6,018 while a 16-year-old female would pay about $5,298. At age 17, males would pay around $5,634 and females $5,002.

Is Mini Cooper car insurance expensive?

The Mini Cooper ranks 32^nd out of 47 comparison vehicles in the 2023 small SUV segment. It costs an average of $1,690 per year to insure for full coverage and the class median average cost is $1,649 per year, making the Mini Cooper around $41 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, $156 more than the Honda CR-V, $60 more than the Chevrolet Equinox, and $24 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.

What is the cheapest Mini Cooper insurance?

With Mini Cooper car insurance cost ranging from $1,562 to $1,792 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 $1,642 per year. Plan on budgeting at least $130 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 $1,792 per year. Those trims will cost an extra $230 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.

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 $730 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 $862 for a 60-year-old driver rated on a 2013 Mini Cooper to $3,356 for a 20-year-old driver rated on a 2023 model.

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 $622 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.