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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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If you own a MINI or are in the market for one, you’re familiar with its sleek design, compact size, and fuel efficiency. But you still need to consider the cost of car insurance for your MINI. Fortunately, MINI car insurance is relatively affordable thanks to the brand’s smaller cars and highly regarded safety features.
MINI car insurance costs an average of $138 per month, compared to $152 per month for all makes, according to Compare.com data. But insurance rates vary based on location, coverage level, and insurer. We’ll cover what you need to know about getting MINI car insurance.
MINI drivers pay an average of $98 per month for liability insurance.
Mile Auto, Safeco, and Mercury offer the cheapest MINI car insurance.
North Carolina has the cheapest MINI car insurance rates, at $68 per month.
MINI car insurance rates vary depending on the coverage you choose. The table below lists average rates for different MINI car insurance coverages. You can also see how MINI rates compare to the national average for all vehicle makes, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| MINI | $98 | $178 | $138 |
| All makes | $107 | $197 | $152 |
MINI drivers pay an average of $138 per month for car insurance. MINI car insurance is cheaper across the board when compared to the overall average of all vehicles. MINI liability coverage costs an average of $98 per month, and full coverage costs $178 per month.
When looking at average MINI car insurance rates, remember that you can always find ways to save. Discounts, bundling, and shopping around can all help you get cheaper car insurance.
The table below lists the cheapest companies for MINI car insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $71 |
| Safeco | $94 |
| Mercury | $102 |
| Elephant | $106 |
| Direct Auto | $125 |
| National General | $127 |
| Liberty Mutual | $136 |
| GAINSCO | $137 |
| The General | $161 |
| Dairyland | $162 |
Mile Auto has the cheapest MINI car insurance, with an average rate of $71 per month. But rates can vary by factors like driving record, age, mileage, and credit history.[1] Below, we cover some of the best MINI car insurance companies for different drivers.
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While the above companies can be a good place to start, the insurer with the cheapest average isn’t necessarily the cheapest for everyone. The best MINI car insurance option for you depends on more factors than just the cost of insurance premiums.
Below, we cover some of the best MINI car insurance options for different types of drivers. We chose these insurers based on a combination of their average rates, customer service ratings, coverage types, and available discounts.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
Mile Auto is a pay-per-mile insurance company, making it a great option for people who work from home or drive less frequently. The company offers competitive MINI rates, at an average of $71 per month.
Instead of installing a telematics device, drivers submit a photo of their odometer each month to calculate their rates. While Mile Auto may be a solid solution for some, coverage is only available in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
Some of the cheapest MINI car insurance rates
Offers pay-per-mile insurance
No equipment to install
Available in only seven states
Average Trustpilot rating[2]
Not ideal for drivers with longer commutes
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Elephant Insurance offers affordable MINI car insurance, with an average premium of $106 per month. The company also offers a range of discounts for homeowners, good students, and people who work from home.
But one of the company’s major drawbacks is its limited availability. Elephant offers insurance in only eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Low rates
Many available discounts
Offers multiple insurance products
Complaints about slow response time[3]
Available in only eight states
No financial strength rating from AM Best
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $167/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto offers MINI car insurance at affordable rates and is ideal for drivers with less-than-perfect records. The company offers insurance for drivers with a driving under the influence (DUI) conviction and can file SR-22s.
The company has discounts for safe drivers, military members, good students, and senior citizens. But Direct Auto isn’t available everywhere, and it doesn’t offer some coverages, like gap insurance.
Competitive rates
Offers coverage for high-risk drivers
Multiple available discounts
Low Trustpilot rating[4]
Gap insurance not available
Available in only 15 states
Compare quotes from 100+ top insurers and save money today.
How much you pay for MINI car insurance can differ by location. Different states have different minimum-coverage requirements. Typically, you need bodily injury liability and property damage liability coverage.[5]
Factors like crime rate, accident frequency, and likelihood of theft in your area also affect your car insurance rates. Below is an overview of how MINI car insurance rates differ by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $91 |
| Arizona | $122 |
| Arkansas | $174 |
| California | $175 |
| Colorado | $143 |
| Connecticut | $277 |
| Delaware | $169 |
| Florida | $178 |
| Georgia | $181 |
| Idaho | $92 |
| Illinois | $114 |
| Indiana | $98 |
| Iowa | $83 |
| Kansas | $112 |
| Kentucky | $178 |
| Louisiana | $164 |
| Maine | $108 |
| Maryland | $251 |
| Massachusetts | $137 |
| Michigan | $213 |
| Minnesota | $137 |
| Mississippi | $137 |
| Missouri | $134 |
| Montana | $111 |
| Nebraska | $128 |
| Nevada | $217 |
| New Hampshire | $84 |
| New Jersey | $144 |
| New Mexico | $105 |
| New York | $351 |
| North Carolina | $68 |
| North Dakota | $105 |
| Ohio | $93 |
| Oklahoma | $118 |
| Oregon | $117 |
| Pennsylvania | $119 |
| Rhode Island | $104 |
| South Carolina | $200 |
| South Dakota | $88 |
| Tennessee | $103 |
| Texas | $162 |
| Utah | $133 |
| Vermont | $99 |
| Virginia | $132 |
| Washington | $102 |
| District of Columbia | $207 |
| West Virginia | $105 |
| Wisconsin | $93 |
| Wyoming | $88 |
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If you need MINI car insurance, you’ll likely want affordable coverage that matches your needs. You typically need basic liability insurance to meet your state’s minimum coverage requirements. Though each state has its own limits, you might want higher coverage levels to cover your bases.
It can also be a good idea to look into full-coverage car insurance, which usually includes liability insurance, collision coverage, and comprehensive coverage.
If you finance your MINI, you may want gap insurance to make sure you have enough coverage if you’re in an accident. Gap insurance helps cover the difference between your vehicle’s value and the amount you owe on your loan.[6]
Consider your financial situation when deciding. Personal injury protection covers medical expenses, and uninsured motorist coverage can help if you get into an accident with an uninsured driver.
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MINI car insurance is usually more affordable than other makes. But here are some tips to make sure you get the cheapest rate for your MINI.
Check for discounts. Your MINI may have safety features that can score you a discount. If you’re buying a new MINI, you may also qualify for a new vehicle discount. Check with your insurer for any discounts you may qualify for.
Bundle your insurance. If you have more than one insurance policy, you could get a bundling discount. Save money by combining your home and auto insurance coverage with the same company.
Increase your deductible. Your deductible is the amount you owe before your insurance benefits provide coverage. Increasing your deductible can lower your car insurance premiums.[7] But make sure you can cover any expenses if you need to file a claim, because you’ll pay more out of pocket.
Drive safely. Safe driving can spare you from rate increases due to an accident, ticket, or DUI conviction. Put your phone out of reach, and don’t eat while driving. Keep up with the speed limit, and, if you’re drinking, opt for a rideshare instead.
Compare quotes. Go insurance shopping every year and compare rates from various insurance companies. Price differences, discounts, and coverage options could make the switch worth it.
Find the cheapest rates to insure your MINI.
If you have more questions, we’ve answered some common questions about MINI insurance. Check them out below.
MINI drivers pay an average of $138 per month for car insurance, according to Compare.com data. Liability insurance for a MINI costs an average of $98 per month, and full coverage costs $178 per month.
It depends. MINI car insurance costs an average of $138 per month, while the average for all makes is $152. Your car insurance costs depend on factors like your coverage levels, driving history, and location.
The MINI Cooper is typically the cheapest MINI model to insure, at $139 per month, according to Compare.com data. Insurance costs can vary by vehicle model, driving history, state, and credit history.
The Dodge Grand Caravan and the Subaru Crosstrek are the cheapest cars to insure, at $114 per month, according to Compare.com data. Car insurance rates can fluctuate based on make, model, year, and your driving profile.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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