Mini Cooper Insurance for 2022

How much does Mini Cooper insurance cost? We rate nearly 30 different trim levels and model years back to 2013 in order to see how insurance rates compare to other compact SUV models.

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How much does Mini Cooper car insurance cost?

Mini Cooper insurance rates average $1,564 annually for full coverage, or $130 monthly. With the average compact SUV/crossover costing $1,426 a year to insure, the Mini Cooper could cost around $138 or more each year.

The chart below details average 2022 Mini Cooper car insurance rates using a range of driver ages, deductible levels, and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Mini Cooper with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Mini Cooper trim levels.Data last updated on July 29, 2022
Mini Cooper Insurance Cost Summary
Mini Cooper Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,546$296
Safe Driver Age 20$3,106$259
At-fault Accidents Age 40$2,204$184
Low Deductibles Age 40$2,034$170
Safe Driver Age 30$1,646$137
Safe Driver Age 40$1,564$130
Safe Driver Age 50$1,422$119
Safe Driver Age 60$1,398$117
High Deductibles Age 40$1,322$110
Discount Rate Age 40$1,298$108

In the rate comparison chart above, insurance prices for Mini Cooper insurance range from a discount rate for a 40-year-old driver of $1,298 to the high-risk average rate for a 30-year-old driver of $3,546 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 $5,600 while a 16-year-old female would pay about $4,932. At age 17, males would pay around $5,234 and females $4,652.

Is Mini Cooper car insurance expensive?

The Mini Cooper ranks #40 out of 46 comparison vehicles in the 2022 small SUV segment. It costs an average of $1,564 per year to insure for full coverage and the class median average cost is $1,426 per year, making the Mini Cooper around $138 more expensive per year.

When compact SUV insurance rates are compared, auto insurance for a Mini Cooper costs $124 more per year than the Toyota RAV4, $228 more than the Honda CR-V, $140 more than the Chevrolet Equinox, and $72 more than the Nissan Rogue.

The table below shows how average 2022 Mini Cooper insurance rates compare to the rest of the entire compact SUV/crossover market.

Insurance Cost Comparison: Mini Cooper vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$406
2Nissan Kicks$1,190-$374
3Chevrolet Trailblazer$1,196-$368
4Subaru Crosstrek$1,224-$340
5Toyota C-HR$1,254-$310
6Buick Encore$1,260-$304
7Nissan Rogue Sport$1,272-$292
8Hyundai Venue$1,294-$270
9Buick Envision$1,298-$266
10Kia Seltos$1,300-$264
11Toyota Corolla Cross$1,310-$254
12Hyundai Kona$1,318-$246
13Subaru Forester$1,320-$244
14Volkswagen Tiguan$1,324-$240
15Honda CR-V$1,336-$228
16Mazda CX-30$1,350-$214
17Honda HR-V$1,370-$194
18Ford Ecosport$1,380-$184
19Chevrolet Trax$1,398-$166
20GMC Terrain$1,404-$160
21Mitsubishi Eclipse Cross$1,408-$156
22Hyundai Tucson$1,416-$148
23Chevrolet Bolt$1,420-$144
24Chevrolet Equinox$1,424-$140
25Volkswagen Taos$1,428-$136
26Fiat 500X$1,434-$130
27Toyota RAV4$1,440-$124
28Kia Soul$1,442-$122
29Mazda MX-30$1,472-$92
30Jeep Compass$1,478-$86
31Kia Niro$1,480-$84
32Nissan Rogue$1,492-$72
33Ford Escape$1,498-$66
34Hyundai Ioniq 5$1,514-$50
35Mini Cooper Clubman$1,516-$48
36Jeep Renegade$1,518-$46
37Kia Sportage$1,524-$40
38Ford Bronco$1,532-$32
39Volkswagen ID4$1,554-$10
40Mini Cooper$1,564--
41Mini Cooper Countryman$1,582$18
42Mitsubishi Outlander$1,640$76
43Mitsubishi Mirage$1,658$94
44Ford Mustang Mach-E$1,726$162
45Hyundai Nexo$1,744$180
46Jeep Wrangler$1,746$182

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on July 29, 2022
Insurance Cost Comparison: Mini Cooper vs Small SUVs

What is the cheapest Mini Cooper insurance?

With Mini Cooper car insurance cost ranging from $1,392 to $1,692 annually for an average driver, the cheapest trim level to insure is the base Hardtop 4-Door. The next cheapest model to insure is the Hardtop 2-Door at $1,444 per year. Plan on budgeting at least $116 per month for a policy with full coverage.

The most expensive models of Mini Cooper to insure are the S Convertible Sidewalk Edition and the John Cooper Works Convertible at $1,692 per year. Those trims will cost an extra $300 per year to insure over the least expensive Hardtop 4-Door model.

The next table details average car insurance rates, including a monthly budget figure, for each trim level available for the 2022 Mini Cooper.

2022 Mini Cooper Insurance Cost by Trim Level
Mini Cooper Trim Level Annual Policy 6-month Policy Per Month
Hardtop 4-Door$1,392$696$116
Hardtop 2-Door$1,444$722$120
S Hardtop 4-Door$1,476$738$123
S Hardtop 2-Door$1,532$766$128
Convertible$1,550$775$129
SE Hardtop 2-Door Electric$1,584$792$132
S Convertible$1,616$808$135
John Cooper Works Hardtop 2-Door$1,630$815$136
John Cooper Works Convertible$1,692$846$141
S Convertible Sidewalk Edition$1,692$846$141

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Mini Cooper, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on July 29, 2022
Mini Cooper Insurance Cost by Trim Level

Will an older model be cheaper to insure?

Resisting that fancy 2022 model and driving a 2013 Mini Cooper with some miles on it could save at least $688 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 2022 model years. Prices range from $786 for a 60-year-old driver rated on a 2013 Mini Cooper to $3,106 for a 20-year-old driver rated on a 2022 model.

Mini Cooper Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,106$1,646$1,564$1,422$1,398
2021$2,994$1,586$1,508$1,374$1,348
2020$2,942$1,556$1,480$1,348$1,324
2019$2,680$1,414$1,348$1,228$1,206
2018$2,528$1,344$1,274$1,162$1,140
2017$2,408$1,276$1,214$1,106$1,086
2016$2,318$1,224$1,164$1,064$1,046
2015$2,446$1,274$1,220$1,118$1,096
2014$2,246$1,174$1,128$1,032$1,014
2013$1,724$920$876$800$786

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on July 29, 2022
Mini Cooper Insurance Cost by Model Year

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 $576 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.