Mini Cooper Car Insurance Cost
Insuring a Mini Cooper with Safeco usually costs around $655 per year. However, the price can change depending on things like your age, the model year of your car, and other factors. You can check the tables below to get an estimate tailored to your situation.
If you’re considering buying a Mini Cooper, it’s essential to think about the cost of insurance. Insurance is a significant part of car ownership, and you need to understand this financial aspect before making a decision.
Choosing the right car insurance is vital to avoid unexpected and potentially high costs in the future. Having adequate coverage is crucial to protect yourself from large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience in analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving record, and location significantly influence your insurance premiums.
How Much Does Mini Cooper Car Insurance Cost?
Generally, Safeco offers the best price for full coverage insurance on a 2024 Mini Cooper, costing about $655 per year.
While Safeco’s rate is a good benchmark, it’s important to know that car insurance costs can vary widely. Factors like your location, driving record, car age, and the coverage options you choose all play a role. A clean driving record usually means lower premiums, while accidents or traffic violations can increase your rates.
Living in a busy city generally leads to higher insurance costs compared to living in a quieter rural area. The type of coverage you choose also impacts your premium—comprehensive coverage, which includes both comprehensive and collision, is more expensive than basic liability coverage.
At Insuranceopedia, we help you compare quotes from different insurance companies to ensure you get the best deal.
2024 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| USAA | $1,582 |
| State Farm | $2,515 |
| 21st Century | $2,297 |
| California Capital | $2,180 |
| Safeco | $655 |
| Mercury | $2,032 |
| AssuranceAmerica | $1,089 |
| Unitrin | $2,248 |
| Nationwide | $2,340 |
| Dairyland Auto | $2,239 |
2023 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,484 |
| Kemper Auto | Infinity | $2,026 |
| USAA | $1,694 |
| Plymouth Rock Assurance | $1,612 |
| New York Central Mutual Fire | $1,045 |
| Travelers | $1,518 |
| Erie | $1,089 |
| Mercury | $2,039 |
| National General Value | $2,050 |
| Liberty Mutual | $1,675 |
2022 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $656 |
| Texas Farm Bureau Group | $1,063 |
| Virginia Farm Bureau | $915 |
| Buckeye Insurance Group | $807 |
| Mercury Insurance | $538 |
| Western Reserve | $700 |
| Safeco | $580 |
| Kemper Auto | Infinity | $953 |
| Capital Insurance Group | $1,029 |
| United Farm Bureau of IN Group | $805 |
2021 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,115 |
| 21st Century | $1,899 |
| Patriot Group | $1,604 |
| MMG Insurance Company | $1,281 |
| Concord Group | $644 |
| Country | $1,126 |
| Countryway Insurance | $795 |
| Safeco | $1,751 |
| Mercury Insurance | $1,791 |
| Auto-Owners Insurance Co | $1,297 |
2020 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $928 |
| Mercury Insurance Company | $1,404 |
| NatGen PPA | $1,338 |
| Direct Auto | $1,247 |
| American National P | $469 |
| New Jersey Manufacturers | $1,166 |
| Safeco | $733 |
| Southern Farm Bureau | $1,332 |
| USAA | $1,356 |
| North Carolina Farm Bureau | $1,265 |
2019 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $637 |
| Commerce Group Inc | $1,023 |
| Western Reserve | $825 |
| Virginia Farm Bureau | $751 |
| Safeco | $177 |
| MMG Insurance Company | $700 |
| Hastings Mutual Insurance Co | $469 |
| PEMCO | $949 |
| Texas Farm Bureau Group | $986 |
| Concord Group | $777 |
2018 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $545 |
| IMT Insurance Company | $1,022 |
| Indiana Farmers Mutual Ins | $837 |
| Clearcover | $622 |
| Safeco | $169 |
| Pekin Insurance | $595 |
| American National P | $413 |
| Infinity Special | $880 |
| PEMCO | $959 |
| Virginia Farm Bureau | $829 |
2017 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Infinity Special | $680 |
| North Carolina Farm Bureau | $1,004 |
| Utica National Ins Group | $870 |
| Buckeye Insurance Group | $766 |
| Safeco | $129 |
| NatGen PPA | $755 |
| Mercury Insurance | $243 |
| National General Value | $881 |
| PEMCO | $991 |
| Virginia Farm Bureau | $800 |
2016 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $422 |
| Clearcover | $945 |
| Auto Club Group | $785 |
| Rural Mutual Insurance | $776 |
| Safeco | $33 |
| Pekin Insurance | $774 |
| Infinity Special | $144 |
| Mercury Insurance Company | $815 |
| Rockford Mutual Insurance | $864 |
| West Bend Mutual | $829 |
2015 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $592 |
| New Jersey Manufacturers | $925 |
| North Carolina Farm Bureau | $803 |
| Buckeye Insurance Group | $649 |
| Mercury Insurance | $139 |
| SafeAuto | $588 |
| Safeco | $399 |
| PEMCO | $876 |
| Mercury Insurance Company | $895 |
| American National P | $742 |
2014 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| National General Value | $591 |
| SECURA Insurance | $953 |
| Rockford Mutual Insurance | $892 |
| Virginia Farm Bureau | $737 |
| Safeco | $366 |
| Pekin Insurance | $690 |
| Mercury Insurance | $434 |
| Texas Farm Bureau Group | $912 |
| New Jersey Manufacturers | $993 |
| North Carolina Farm Bureau | $773 |
2013 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $329 |
| Virginia Farm Bureau | $750 |
| MMG Insurance Company | $583 |
| Pekin Insurance | $502 |
| Safeco | $81 |
| National General RAD | $405 |
| Kemper Auto | Infinity | $235 |
| Mercury Insurance | $613 |
| Commerce Group Inc | $655 |
| Concord Group | $571 |
2012 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $560 |
| Mercury Insurance | $763 |
| Concord Group | $655 |
| PEMCO | $623 |
| Safeco | $161 |
| Western Reserve | $645 |
| American National P | $443 |
| Buckeye Insurance Group | $755 |
| MMG Insurance Company | $708 |
| SafeAuto | $623 |
2011 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $381 |
| Western Reserve | $785 |
| Infinity Special | $738 |
| Clearcover | $685 |
| Safeco | $199 |
| Buckeye Insurance Group | $605 |
| Plymouth Rock | $176 |
| SECURA Insurance | $773 |
| Mercury Insurance Company | $817 |
| AssuranceAmerica Economy | $693 |
2010 Mini Cooper Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $332 |
| Western Reserve | $622 |
| NatGen PPA | $570 |
| American National P | $462 |
| Safeco | $1 |
| Buckeye Insurance Group | $488 |
| Mercury Insurance | $293 |
| Atlantic States Insurance | $584 |
| Rural Mutual Insurance | $601 |
| Dairyland FR Bond | $488 |
Cost of Mini Cooper Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $2,349 | $3,469 | $4,041 |
| 18 | $1,847 | $2,766 | $3,156 |
| 19 | $1,800 | $2,610 | $3,041 |
| 20 | $1,984 | $2,844 | $3,361 |
| 21 | $2,034 | $2,950 | $3,435 |
| 22 | $2,078 | $3,074 | $3,543 |
| 23 | $2,207 | $3,264 | $3,803 |
| 24 | $2,854 | $4,204 | $4,880 |
| 25 | $3,302 | $4,865 | $5,645 |
| 30 | $3,468 | $5,119 | $5,974 |
| 35 | $3,966 | $5,835 | $6,824 |
| 40 | $4,084 | $6,003 | $7,012 |
| 45 | $4,882 | $7,126 | $8,400 |
| 55 | $5,566 | $8,175 | $9,609 |
| 65 | $6,313 | $9,290 | $10,868 |
| 75 | $6,824 | $9,941 | $11,630 |
Nissan Maxima Car Mini Cooper By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,438 | $3,514 | $4,427 |
| Alaska | $2,001 | $2,772 | $2,672 |
| Arizona | $2,263 | $3,236 | $4,794 |
| Arkansas | $2,466 | $3,907 | $4,286 |
| California | $2,768 | $4,891 | $2,741 |
| Colorado | $2,588 | $3,599 | $4,585 |
| Connecticut | $3,276 | $5,113 | $6,470 |
| Delaware | $2,715 | $3,628 | $4,641 |
| Florida | $3,228 | $4,503 | $5,872 |
| Hawaii | $1,065 | $1,439 | $1,089 |
| Idaho | $1,834 | $2,444 | $2,971 |
| Illinois | $1,953 | $2,917 | $3,345 |
| Indiana | $1,980 | $3,007 | $3,422 |
| Iowa | $1,570 | $2,175 | $2,540 |
| Kansas | $2,066 | $3,021 | $3,524 |
| Kentucky | $3,015 | $4,418 | $5,197 |
| Louisiana | $3,823 | $5,840 | $6,327 |
| Maine | $1,477 | $2,025 | $2,951 |
| Maryland | $2,353 | $3,409 | $3,838 |
| Massachusetts | $1,911 | $3,315 | $1,874 |
| Michigan | $4,570 | $6,947 | $10,983 |
| Minnesota | $1,904 | $2,507 | $3,531 |
| Mississippi | $2,288 | $3,239 | $3,290 |
| Missouri | $2,141 | $3,071 | $4,017 |
| Montana | $2,165 | $3,037 | $3,539 |
| Nebraska | $1,850 | $2,687 | $2,995 |
| Nevada | $3,031 | $4,505 | $4,739 |
| New Hampshire | $2,112 | $3,315 | $4,262 |
| New Jersey | $2,336 | $3,685 | $4,740 |
| New Mexico | $2,383 | $3,532 | $3,687 |
| New York | $2,208 | $2,803 | $4,616 |
| North Carolina | $1,384 | $2,345 | $1,639 |
| North Dakota | $1,888 | $2,804 | $3,344 |
| Ohio | $1,682 | $2,592 | $2,657 |
| Oklahoma | $2,651 | $3,833 | $4,247 |
| Oregon | $2,423 | $3,228 | $3,870 |
| Pennsylvania | $2,075 | $2,982 | $3,493 |
| Rhode Island | $3,416 | $4,996 | $5,609 |
| South Carolina | $2,319 | $3,197 | $4,402 |
| South Dakota | $2,054 | $2,983 | $3,458 |
| Tennessee | $2,423 | $3,629 | $4,738 |
| Texas | $2,487 | $3,542 | $4,397 |
| Utah | $2,085 | $2,928 | $4,039 |
| Vermont | $1,613 | $2,438 | $2,599 |
| Virginia | $1,522 | $2,300 | $2,288 |
| Washington | $2,000 | $2,717 | $3,240 |
| West Virginia | $2,015 | $2,913 | $3,638 |
| Wisconsin | $2,001 | $3,147 | $3,560 |
| Wyoming | $1,880 | $2,668 | $2,830 |
| Georgia | $2,653 | $3,984 | $3,973 |
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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