How Much Does Mini Car Insurance Cost?
On average, it costs $166 per month to insure a Mini, which adds up to about $1,993 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of insuring a Mini depends on various factors, including your age, driving history, and where you live car insurance Insurance companies use this information to evaluate the risk of covering your Mini and set your premium.
Insurance Cost Per Mini Model
| Mini Model | Average Yearly Insurance Cost |
| MINI Clubman Insurance Cost | $1,936 |
| MINI Countryman Insurance Cost | $2,072 |
Keep in mind that these numbers are just averages. The actual cost can differ based on where you live, your age, your driving history, and the type of coverage you select.
Mini Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| Geico | $137 |
| State Farm | $158 |
| Progressive | $169 |
| Allstate | $162 |
| Farmers | $172 |
| Nationwide | $151 |
| Liberty Mutual | $177 |
| American Family | $148 |
| Travelers | $154 |
Mini Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Georgia | $2,315 |
| Wyoming | $1,652 |
| Wisconsin | $1,770 |
| West Virginia | $1,762 |
| Washington | $1,749 |
| Virginia | $1,336 |
| Vermont | $1,418 |
| Utah | $1,821 |
| Texas | $2,147 |
| Tennessee | $2,128 |
| South Dakota | $1,808 |
| South Carolina | $2,017 |
| Rhode Island | $2,973 |
| Pennsylvania | $1,788 |
| Oregon | $2,112 |
| Oklahoma | $2,325 |
| Ohio | $1,468 |
| North Dakota | $1,629 |
| North Carolina | $1,202 |
| New York | $1,931 |
| New Mexico | $2,076 |
| New Jersey | $2,046 |
| New Hampshire | $1,855 |
| Nevada | $2,653 |
| Nebraska | $1,608 |
| Montana | $1,912 |
| Missouri | $1,884 |
| Mississippi | $1,993 |
| Minnesota | $1,641 |
| Michigan | $4,014 |
| Massachusetts | $1,665 |
| Maryland | $2,079 |
| Maine | $1,275 |
| Louisiana | $3,379 |
| Kentucky | $2,634 |
| Kansas | $1,833 |
| Iowa | $1,374 |
| Indiana | $1,736 |
| Illinois | $1,692 |
| Idaho | $1,618 |
| Hawaii | $930 |
| Florida | $2,850 |
| Delaware | $2,386 |
| Connecticut | $2,887 |
| Colorado | $2,270 |
| California | $2,423 |
| Arkansas | $2,171 |
| Arizona | $1,990 |
| Alaska | $1,758 |
| Alabama | $2,118 |
How To Save Money On Mini Car Insurance?
Owning a Mini involves several costs, with car insurance being one of the largest. However, there are ways to reduce your insurance expenses. Here’s how:
1. Maintain a Clean Driving Record
Your driving history is important for insurance companies when setting your premium. If you avoid accidents and traffic tickets, you demonstrate to insurers that you are a low-risk driver, which can greatly reduce your insurance costs.
2. Bundle Your Policies
Many insurance companies give discounts if you bundle multiple policies, such as home and auto insurance. This makes managing your insurance easier and helps you save on premiums.
3. Raise Your Deductible
Raising your deductible, which is the amount you pay out of pocket before your insurance starts covering costs, can reduce your premium. Just make sure you can handle the higher deductible if you have an accident.
4. Install Safety Features
Mini vehicles have many safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies often provide discounts for being a good student, having a clean driving record, or completing a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.
6. Shop Around
Insurance premiums can differ greatly among providers. It’s important to compare quotes and select the insurer that provides the best value for your situation.
7. Consider Usage-Based Insurance
If you don’t drive your Mini very often, consider usage-based insurance. This policy adjusts your premium based on how much you drive, which could save you money if your Mini isn’t your primary vehicle.
