Mini Cooper Insurance for 2023

How much are insurance rates on a Mini Cooper?

From the Hardtop 2-Door trim level to the higher cost John Cooper Works Convertible trim, we surveyed insurance rates on the Cooper to discover how rate quotes compare to the entire small SUV segment.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 January 23, 2023
Mini Cooper Insurance Cost Summary
Mini Cooper Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,732$311
Safe Driver Age 20$3,272$273
At-fault Accidents Age 40$2,322$194
Low Deductibles Age 40$2,152$179
Safe Driver Age 30$1,738$145
Safe Driver Age 40$1,648$137
Safe Driver Age 50$1,500$125
Safe Driver Age 60$1,472$123
High Deductibles Age 40$1,386$116
Discount Rate Age 40$1,370$114

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.

Insurance Cost Comparison: Mini Cooper vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$314
2Subaru Crosstrek$1,346-$302
3Nissan Kicks$1,354-$294
4Nissan Rogue Sport$1,378-$270
5Mazda CX-5$1,386-$262
6Buick Encore$1,406-$242
7Buick Envision$1,410-$238
8Kia Seltos$1,430-$218
9Hyundai Venue$1,440-$208
10Honda HR-V$1,464-$184
11Hyundai Kona$1,480-$168
12Subaru Forester$1,486-$162
13Honda CR-V$1,496-$152
14Mazda CX-30$1,498-$150
15Chevrolet Trax$1,514-$134
16Volkswagen Tiguan$1,532-$116
17Ford Bronco Sport$1,536-$112
18Fiat 500X$1,564-$84
19GMC Terrain$1,566-$82
20Kia Soul$1,568-$80
21Mitsubishi Eclipse Cross$1,572-$76
22Chevrolet Equinox$1,588-$60
23Toyota Corolla Cross$1,592-$56
24Volkswagen Taos$1,600-$48
25Mazda CX-50$1,610-$38
26Hyundai Tucson$1,614-$34
27Ford Escape$1,616-$32
28Nissan Rogue$1,622-$26
29Toyota RAV4$1,634-$14
30Mazda MX-30$1,636-$12
31Kia Niro$1,638-$10
32Mini Cooper$1,648--
33Jeep Compass$1,652$4
34Mini Cooper Clubman$1,674$26
35Jeep Renegade$1,698$50
36Chevrolet Bolt$1,710$62
37Toyota bz4X$1,716$68
38Kia Sportage$1,760$112
39Hyundai Ioniq 5$1,764$116
40Mini Cooper Countryman$1,812$164
41Mitsubishi Mirage$1,818$170
42Mitsubishi Outlander$1,820$172
43Volkswagen ID4$1,832$184
44Kia EV6$1,870$222
45Dodge Hornet$1,872$224
46Hyundai Nexo$1,938$290
47Ford Mustang Mach-E$1,996$348

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 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 January 23, 2023
Insurance Cost Comparison: Mini Cooper vs Small SUVs

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.

2023 Mini Cooper Insurance Cost by Trim Level
Mini Cooper Trim Level Annual Policy 6-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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 January 23, 2023
Mini Cooper Insurance Cost by Trim Level

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.

Mini Cooper Insurance Cost by Model Year
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$2,736$1,376$1,234
2017 Mini Cooper$2,564$1,292$1,156
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 January 23, 2023
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 $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.