Designed in 1957 by Alec Issigonis, the first Mini Cooper was created to solve a problem posed by Sir Leonard Lord, owner of the Morris Company. These small, sporty cars were the result of a need in the market to have a fuel-efficient car that could be purchased by the general population.
In 1959, the first Mini burst onto the scene and made waves across Britain. In 1961, the Mini was tweaked by John Cooper of the Cooper Car Company and became known as the Mini Cooper. The car now came with an upgraded engine, larger brakes, and sport tuning.
Until the 2000s, the Mini Cooper hadn’t made its way stateside. Then, in 2002, BMV released Mini Coopers to the American market. After its release, the line grew to include three new models with four doors, two-seater versions, and sportier trims.
Get Cheaper Car Insurance in Minutes
Mini Cooper Insurance Rates
The average cost of insuring a Mini Cooper is $94/mo. When comparing that to the national average of insurance for vehicles in the United States, $106/mo, you’ll find that insurance for a Mini Cooper is 11% less.
Although this seems like great news for current and future Mini Cooper owners, don’t celebrate just yet. Many Mini Cooper owners indeed get cheaper rates than the national average, but this doesn’t necessarily mean that you will too. To find affordable car insurance, be sure to compare the rates of different insurance companies to make sure you get the best rate possible.
We can help you find the best rates for your Mini Cooper in just a few minutes. Simply enter your zip code below – it’ll only take a few minutes.
Mini Cooper Car Insurance Rates by Model
While the average insurance premium for a Mini Cooper is $94/mo that varies when you look at the specific model. A sports car will typically cost more to insure than a basic sedan and more family-friendly cars are on the cheaper end of the spectrum.
Here are average car insurance rates for some of the most common Mini Cooper models
Mini Cooper Clubman
The Mini Cooper Clubman is a four-door compact sporty hatchback that seats up to five passengers. This car is great for single commuters and small families, and the all-wheel-drive makes it perfect for more adventurous drivers. To insure a Clubman, you’ll pay around $53/mo.
Mini Cooper
The original Mini Cooper is a two-door four-seater compact car that was in production from 2002 – 2012. It is available in a six-speed manual or automatic transmission depending on the model and trim level. They are also available in either hardtop or convertible models. You can expect to pay around $95/mo to insure a Cooper.
Mini Cooper S
The Mini Cooper S is a two-seater convertible hatchback that was in production from 2002 – 2012. An excellent choice for sporty sun lovers, this vehicle comes in three body styles and has the option for both hardtop and convertible models. Insurance premiums average $96/mo for a Cooper S.
Mini Cooper Countryman
Marketed as Mini Cooper’s compact SUV, the Countryman is a four-door vehicle that seats up to five passengers. Drivers have the option to choose between front or all-wheel drive and three available transmissions. In production since 2013, newer versions are highly customizable and come with advanced tech features. You can expect to pay an average of $137/mo to insure a Countryman.
Mini Cooper Coupe and Coupe S
The Coupe and Coupe S were in production from 2013-2015. This sporty two-seater coupe came in a six-speed manual or automatic transmission. Insurance premiums average around $96/mo.
Mini Cooper Car Insurance Rates by Insurance Company
Auto insurance rates for Mini Coopers will vary based on the model you drive and the insurance company you choose. Each insurance company uses its own unique combination of factors to determine your insurance rates. As a result, you’ll see a wide range of premium quotes when searching for car insurance.
Here is a list of auto insurance companies that offer the most affordable rates when insuring a Mini Cooper.
| Insurance Company | Monthly Premium |
|---|---|
| Metromile | $70 |
| Direct Auto | $78 |
| Gainsco | $83 |
| Clearcover | $84 |
| Liberty Mutual | $137 |
This table displays just how much auto insurance can vary depending on the insurance company. Almost all of the companies on the list offer rates under $100/mo, including Metromile ($70/mo), Direct Auto ($78/mo), Gainsco ($83/mo), and Clearcover ($84/mo). After that, you have Liberty Mutual offering drivers coverage at $137/mo.
The difference in rates is why you want to compare premiums between different companies to be sure that you’re getting the best price possible. Simply enter your zip code down below to get started!
Mini Cooper Car Insurance Options
Before purchasing car insurance, you should take time to think about the type of coverage you need for your Mini Cooper. If you own your vehicle outright, you may plan to drive it with the state-minimum insurance levels. However, if your Mini Cooper is currently leased or financed, you’ll likely need to have full coverage to protect it.
Here are a few common coverages you might choose to purchase for your Mini Cooper:
- Liability Insurance: This type of coverage pays for injuries to the other party and damage to property in an accident where you are at fault.
- Comprehensive Insurance: This coverage protects you from paying for damage caused by theft, weather, vandalism, or colliding with an animal. Comprehensive insurance is typically part of full coverage insurance packages.
- Collision Insurance: Coverage that kicks in to pay for repairs to your vehicle if you collide with another vehicle or object. This typically falls under full coverage insurance.
- Uninsured Motorist and Underinsured Motorist Coverage: This covers you if you are hit by an uninsured driver or one who doesn’t have enough insurance to pay for your damages. Some states require drivers to have one of these coverages.
- Roadside Assistance: Coverage that pays for roadside assistance, including getting a tow and using a locksmith.
- Car Rental Coverage: Drivers who can’t go without a vehicle in the event of an accident should consider getting this insurance. It pays for the cost of a rental car if your car is not drivable after a covered loss.
While these are just a few coverage options, each driver should examine their specific needs before deciding. If you need to make adjustments to afford a certain type of coverage, see if there are discounts you qualify for to lower your premium.
Mini Cooper Features That Impact Insurance Cost
Insurance rates vary widely with Mini Coopers, and certain features can impact that cost as well. Here are some of the features to pay attention to when purchasing a Mini Cooper:
Vehicle Trim: The trim level of your Mini Cooper will have an impact on how much you pay for car insurance. If your trim level comes with upgraded features or expensive parts, you can expect to pay more for car insurance.
Anti-theft devices: You can save money on insurance for your Mini Cooper by purchasing one that has anti-theft devices or installing one in your vehicle yourself.
Airbags: Having airbags in your vehicle is standard these days, but you still qualify for insurance discounts just for having them. If your vehicle is equipped with driver, passenger, front head, rear head, and front side airbags, your insurance company may reward you with discounts on your insurance premium.
Electronic Stability Control: With electronic stability control, your Mini Cooper will automatically correct any signs of instability and help your vehicle continue driving in a straight line. This prevents your car from spinning out of control if your wheels slip. When your vehicle is equipped with this feature, you might enjoy savings from your auto insurer.
Daytime Running Lights: Daytime running lights stay on while your Mini Cooper engine is running. These lights help increase the visibility of your car and make it easier for other drivers to see you on the road. While this feature may seem small, it can help you save on your monthly insurance premium.
Anti-Lock Brakes: The Anti-Lock Braking system, also known as ABS, is a crucial safety feature that prevents the wheels of your car from locking up when you suddenly brake on a slick surface. It’s designed to stop you from applying too much pressure to your brakes, which can cause your axle and wheels to malfunction. Drivers who have this safety feature in their car will enjoy savings on their auto insurance.
Auto-Leveling Headlights: Auto-leveling headlights are designed to automatically adjust the angle at which they shine while you are driving. By doing this, the road is always illuminated, lowering the likelihood of accidents from poor visibility. These lights will also react to the turns of your steering wheel and can move to the right or left.
Traction Control: Traction control helps your car exert the right amount of driving force on unstable surfaces, such as snow, sand, or gravel. It allows the car to slide a bit before spinning the wheels faster to correct your car’s course gently.
Other Ways to Save on Your Mini Cooper Car Insurance Rates
Of course, there are additional ways to save on your Mini Cooper car insurance rates. Here are a few discounts you may qualify for to save money on car insurance.
Marriage: Are you planning to get married, or have you recently tied the knot? If so, you may qualify for a discount on your Mini Cooper insurance. After getting married, many drivers see a decrease in car insurance due to combining policies for a multi-vehicle discount.
Location: Where you live has a huge impact on your car insurance rates. For example, if you live in an urban town with a high crime rate and lots of traffic, you’ll pay more for car insurance than a driver who lives in a rural neighborhood with little traffic. If you’re thinking about moving, compare car insurance rates with your new zip code to see how it will impact your premium.
Credit Score: Taking steps to improve your credit score can also help you save on auto insurance. Several states allow insurers to use credit scores as a factor for car insurance. As a result, many insurers view drivers with low credit scores as high risk and increase their rates.
Adjust Auto Coverage: Adjusting the amount of coverage you carry can lower your yearly insurance rate. Some drivers choose to increase their deductible to lower their premiums. If you decide to go this route, make sure you can afford your deductible, or else you’ll be in a tight spot if you have a collision.
Compare Rates: One of the best ways to save on car insurance is to shop around and compare rates. Each insurance company will use its own factors to determine your final rate.
Drive Less: Consider spending less time driving your Mini Cooper to qualify for pay-per-mile insurance. With this kind of insurance, you’ll pay a flat rate upfront and only pay for the miles you drive.
Get Cheaper Car Insurance in Minutes
FAQs About Mini Cooper Car Insurance
Are Mini Cooper cars more expensive to insure?
Considering that the average cost for car insurance is $106/mo, and the average cost to insure a Mini Cooper is $94/mo, you can say that Mini Coopers are cheaper to insure than average.
Does Mini Cooper have their own car insurance?
Mini Cooper offers drivers MINI Motoring Insurance with Liberty Mutual Insurance. Drivers who choose this option for insurance enjoy special savings along with accident forgiveness, genuine Mini replacement parts, towing back to the nearest Mini dealership, and 24 hours claims assistance. But we wouldn’t jump on to this insurance plan right away. Remember to always compare auto insurance rates to find the best plan for you.
How much does Mini Cooper insurance cost?
How much you pay for car insurance will vary, but the average cost to insure a Mini Cooper is $94/mo.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.
As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.