Mini Cooper Car Insurance: How Much Should You Expect to Pay?

The average car insurance price for a Mini Cooper averages out to be around $152 a month. See how much auto insurance carriers might charge to insure your Mini Cooper with our complete guide.

Quick Facts

  • A Mini Cooper is more affordable to insure compared to the average car.
  • Full coverage car insurance for a Cooper averages around $150 monthly, on average, while liability only insurance generally comes in at about $65.
  • At as low as just $32 per month for liability only coverage, Commonwealth Casualty is the cheapest auto insurance carrier for a Cooper.

Cooper Overview

Coming in with a base MSRP of $26,900 for new 2022 models, the Mini Cooper is a great budget-friendly option for any driver. There's a Cooper for every driver, with 13 different trim options available.

We combed through thousands of insurance quotes on Compare.com, and we've found that Mini Cooper auto insurance rates run around $152 monthly, on average. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$26,900
Body Style(s)Car
Trim LevelsS COUNTRYMAN, S E COUNTRYMAN ALL4, JOHN COOPER WORKS CLUBMAN, SE, S, S CLUBMAN ALL4, COOPER, JCW COUNTRYMAN ALL4, S COUNTRYMAN ALL4, COUNTRYMAN, COUNTRYMAN ALL4, JOHN COOPER WORKS, S CLUBMAN
Average Insurance Premium$152/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Mini Cooper?

Vehicle Liability Only Full Coverage
Mini Cooper$65$150
All Mini Models$66$149
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles, Mini Cooper insurance prices are cheaper than average. On average, Cooper owners can expect to pay about $150 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $65 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When compared to other models, the Cooper is matches the other vehicles in Mini's lineup. But coverage for the Cooper is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive premiums than other cars.

When compared to all vehicles, regardless of model, body style, or make, the Cooper follows a similar pattern of having below average insurance prices.

See what you'll pay in just minutes

Who has the Cheapest Car Insurance for a Mini Cooper?

Insurance Company Average Monthly Premium
Shelter Mutual$28
Hugo$29
Commonwealth Casualty$32
Workmens$39
Safeco$41

Shopping around for a car insurance policy for your Mini Cooper? You probably want to know which company offers the lowest premiums. While costs will usually be pretty different from policyholder to policyholder, the lowest average rates for liability only insurance are as cheap as $28 monthly from Shelter Mutual. The runner up for most affordable rates is Hugo, with car insurance policies starting as little as just $29 a month.

The third, fourth, and fifth companies on the list are Commonwealth Casualty, Workmens, and Safeco. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers use a bunch of different things and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a bunch of insurance companies.

See what you'll pay in just minutes

What Factors Affect Car Insurance Rates for a Mini Cooper?

There are numerous variables that car insurance carriers examine to determine how much to charge -- and every carrier weighs certain factors more than others, so there's not one single company that's the most affordable for each Cooper owner.

The sections below show a range of factors auto insurance companies use to decide rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$78
2-3 Years$66
4-5 Years$59
6-7 Years$57
8-10 Years$65
11-14 Years$70
15 Years or Older$67

The Mini Cooper has been around for a while -- that means vehicle age can make a difference in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually decrease.

Based on the information in the above table, the Mini Cooper follows this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Coopers that are 6 to 7 years old.

Your Age

Age Average Monthly Premium

Age makes a significant difference in how much auto insurance carriers will charge for a policy. In the table above, you'll see that those who have more experience on the road have less expensive premiums than teenage Cooper drivers. Mini Cooper drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Cooper drivers.

Your Gender

Gender Average Monthly Premium
Male$68
Female$63

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. When it comes to Cooper drivers specifically, women pay around 8% less than men per month for car insurance.

Where You Live

State Average Monthly Premium
California$51
Florida$95
Georgia$97
Illinois$47
New York$160
North Carolina$51
Ohio$43
Pennsylvania$55
Texas$54
Virginia$46

It may be obvious that variables like what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live can have just as much as an impact. Since auto insurance is regulated on the state level and not nationally, prices shift quite a bit depending on what state you reside in.

For example, the average Mini Cooper driver from New York pays about $160 monthly for liability coverage, while the same Californian owner will pay less than 50% of that price, on average. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

See what you'll pay in just minutes

Mini Cooper Car Insurance Discounts

Whatever what state you live in, how old you are, or what vehicle you drive, using as many discounts as possible when it comes to your car insurance policy is always important.

While no two auto insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Multi-vehicle discounts for adding more than one car to your auto policy
  • Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

These discounts are great, but sometimes, it's actually your driving record and insurance profile that get you the best rates.

Of course, you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but you do have a say over some of it. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$108
1 Ticket$78
Multiple Tickets$111

It's no secret that insurance carriers offer the cheapest prices to drivers with clean records. And you're probably not surprised to hear that your car insurance rates will go higher if you get into a collision or get a speeding ticket. But exactly how much can it cost you for these infractions?

As you can see from the table above, accidents will usually cost Cooper drivers more than tickets, but both will cause a significant increase in rates. Mini Cooper drivers with one ticket will pay an average of $78 a month, while drivers with a single accident on their record pay about $81 every month (up $16 from the $65/mo. overall average). The rates only go up the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$65
2,501-5,000 Miles$58
5,001-7,500 Miles$57
7,501-10,000 Miles$67
10,000+ Miles$70

How much you drive plays a big role in your auto insurance premiums. Those who drive less often have fewer opportunities to get into an accident, so they'll normally end up spending less on insurance. Based on the table above, you can see that Mini Cooper owners who drive fewer than 2,500 miles per year pay about $65 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $70.

But if you happen to be one of those drivers who put very few miles on your Mini Cooper each year, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

See what you'll pay in just minutes

How Do Mini Coopers Compare to Other Vehicles?

If you're considering making a Mini Cooper your next car, it might be helpful to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Review the table below to see how the Mini Cooper compares:

Mini Cooper National Average
Liability Insurance$88$81
Full Coverage Insurance$218$169
Base MSRP$26,900$46,192
Average Annual Mileage11,43511,617

As you can see, a Mini Cooper is a great value when it comes to overall price tag. The Cooper has an MSRP of $26,900, which is much cheaper than the national average vehicle price of $46,192.

But while the purchase price is on the lower end of the spectrum, car insurance rates run above average when compared to the rest of the vehicle market. Full coverage insurance for a Mini Cooper is around $49 per month more than average, while liability only coverage is $7 higher a month.

When it comes to usage, Mini Cooper owners drive about the same amount annually as the national average, with 11,435 miles each year compared to 11,617 for all vehicles.

Mini Cooper Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the Cooper is one you're considering, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

2022 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$218
Base MSRP$26,900
Cheapest Insurance CompanyMercury - $73/mo.
Available TrimsCOOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW COUNTRYMAN ALL4, JOHN COOPER WORKS, JOHN COOPER WORKS CLUBMAN, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4, S E COUNTRYMAN ALL4, SE

When considering a brand new Mini Cooper, there's more to choose from than just color. With 13 different trim levels to pick from, there's surely a style for everyone.

When it comes to insuring a Cooper, the average 2022 Mini Cooper typically costs about $218 per month for full coverage and $88 monthly for a liability only policy. And if you want the most affordable insurance possible, Mercury offers liability only policies for sometimes as low as $73 per month.

Although it's helpful to know how much the average driver pays for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. With Compare.com, you can gather several quotes at once, all for free. Simply enter your ZIP code below to get started.

See what you'll pay in just minutes

2021 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$145
Base MSRP$26,400
Cheapest Insurance CompanySafeAuto - $41/mo.
Available TrimsCOOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW COUNTRYMAN ALL4, JOHN COOPER WORKS, JOHN COOPER WORKS CLUBMAN, JOHN COOPER WORKS GP, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4, S E COUNTRYMAN ALL4, SE

If you're looking to buy a 2021 Cooper or already own one, you can expect an average auto insurance rate of around $145 for full coverage or $74 for a liability only policy.

And if you're just looking for the cheapest insurance for your Cooper, SafeAuto offers liability only policies for as little as $41 a month.

These average prices are a great starting point if you're in the market for a 2021 Mini Cooper, but there are a multitude of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

See what you'll pay in just minutes

2020 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$184
Base MSRP$27,400
Cheapest Insurance CompanyMercury - $31/mo.
Available TrimsCOOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW COUNTRYMAN ALL4, JOHN COOPER WORKS, JOHN COOPER WORKS CLUBMAN, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4, S E COUNTRYMAN ALL4, SE

You can expect full coverage for a 2020 Cooper to run about $184 monthly, while liability only coverage will average around $63 a month.

We found Mercury offered the lowest policy, with rates as low as $31 monthly.

Want something more accurate than nationwide averages? Get lots of personalized quotes for free by just entering your ZIP code below.

See what you'll pay in just minutes

2019 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$105
Full Coverage Avg. Premium$173
Base MSRP$21,900
Cheapest Insurance CompanyMercury - $25/mo.
Available TrimsCLUBMAN, CLUBMAN ALL4, COOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW CLUBMAN, JCW COUNTRYMAN ALL4, JOHN COOPER WORKS, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4, S E COUNTRYMAN ALL4

The average cost to insure a 2019 Mini Cooper with liability only coverage is $105 per month, while full coverage runs about $173 monthly.

Looking for the most affordable policy? Mercury offered liability only coverage for as cheap as just $25 per month.

If you want to know exactly how much you can expect to pay for your Cooper, just enter your ZIP code below and get free quotes in minutes.

See what you'll pay in just minutes

2018 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$157
Base MSRP$21,600
Cheapest Insurance CompanyDirectGeneral - $28/mo.
Available TrimsCLUBMAN, CLUBMAN ALL4, COOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW CLUBMAN, JCW COUNTRYMAN ALL4, JOHN COOPER WORKS, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4, S E COUNTRYMAN ALL4

On average, drivers who own a 2018 Cooper can expect to pay $85 to $157 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2018 Mini Cooper insurance policy, DirectGeneral offered the lowest policy we found, with rates sometimes as little as $28 monthly.

Want to figure out exactly what you'll be asked to pay? Get multiple free customized quotes by just entering your ZIP code below.

See what you'll pay in just minutes

2017 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$161
Base MSRP$20,950
Cheapest Insurance CompanyLiberty Mutual - $26/mo.
Available TrimsCLUBMAN, CLUBMAN ALL4, COOPER, COUNTRYMAN, COUNTRYMAN ALL4, JCW CLUBMAN, JOHN COOPER WORKS, S, S CLUBMAN, S CLUBMAN ALL4, S COUNTRYMAN, S COUNTRYMAN ALL4

It costs around $67 per month for liability or $161 for a full coverage policy for the 2017 Mini Cooper.

Liberty Mutual has premiums sometimes as cheap as $26 a month for the 2017 Mini Cooper.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2016 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$159
Base MSRP$20,700
Cheapest Insurance CompanyAnswerFinancial - $19/mo.
Available TrimsCLUBMAN, COOPER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

2016 Cooper drivers can expect to pay an average of $62 monthly for liability or $159 for full coverage.

AnswerFinancial offered the cheapest policy we found, with rates as low as $19 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

See what you'll pay in just minutes

2015 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$58
Full Coverage Avg. Premium$164
Base MSRP$20,700
Cheapest Insurance CompanyHugo - $19/mo.
Available TrimsCOOPER, COOPER COUPE, COOPER ROADSTER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S COUNTRYMAN, S PACEMAN

It costs about $58 a month for liability or $164 for a full coverage policy for the 2015 Mini Cooper.

With rates as cheap as just $19 per month, Hugo offered the most affordable policy we found.

If you want to find the best prices for auto insurance for a 2015 Mini Cooper, enter your ZIP code below and compare many personalized quotes in just a few minutes.

See what you'll pay in just minutes

2014 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$147
Base MSRP$19,950
Cheapest Insurance CompanyCommonwealth Casualty - $21/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COOPER COUPE, COOPER ROADSTER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

2014 Cooper drivers can expect to pay an average of $68 a month for liability or $147 for full coverage.

With rates as cheap as $21 monthly, Commonwealth Casualty offered the lowest policy we found for the 2014 Mini Cooper.

While these are good estimates of what the average driver might pay to insure a 2014 Mini Cooper, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2013 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$143
Base MSRP$19,700
Cheapest Insurance CompanySafeco - $17/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COOPER COUPE, COOPER ROADSTER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

On average, drivers who own a 2013 Mini Cooper can expect to pay $52 to $143 a month for liability only and full coverage insurance, respectively.

Safeco has premiums as low as just $17 monthly for the 2013 Mini Cooper.

What will your car insurance premium be? Get a variety of free personalized quotes by just entering your ZIP code below.

See what you'll pay in just minutes

2012 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$141
Base MSRP$19,500
Cheapest Insurance CompanyMapfre - $17/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COOPER COUPE, COOPER ROADSTER, COUNTRYMAN, JOHN COOPER WORKS, S, S CLUBMAN, S COUNTRYMAN

The average cost to insure a 2012 Cooper with liability only coverage is $63 per month, while full coverage runs around $141 monthly.

With prices sometimes as low as $17 per month, Mapfre offered the cheapest policy we found for the 2012 Mini Cooper.

If you want to know exactly how much you can expect to pay for your Cooper, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2011 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$142
Base MSRP$19,400
Cheapest Insurance CompanyElephant - $15/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COUNTRYMAN, JOHN COOPER WORKS, S, S CLUBMAN, S COUNTRYMAN

You can expect full coverage for a 2011 Mini Cooper to run about $142 a month, while liability only coverage will average around $67 monthly.

If you're looking for the cheapest possible 2011 Mini Cooper insurance policy, Elephant offered the lowest policy we found, with rates sometimes as little as $15 a month.

Interested in just how much you'll pay? Get several customized quotes for free by just entering your ZIP code below.

See what you'll pay in just minutes

2010 Mini Cooper Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$141
Base MSRP$18,800
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, JOHN COOPER WORKS, S, S CLUBMAN, SPORTBACK LS JCW

On average, drivers who own a 2010 Cooper can expect to pay $68 to $141 per month for liability only and full coverage auto insurance, respectively.

With premiums as little as just $19 monthly, Mercury offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

See what you'll pay in just minutes

Mini Cooper Insurance FAQs

Is a Mini Cooper expensive to insure?

Liability insurance runs an average of $65 a month, while full coverage will cost you around $150. It costs less to insure a Mini Cooper when compared to the average car.

How can I get the best price on car insurance for my Mini Cooper?

The only way to ensure you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mini Cooper affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually a myth. There are a variety of variables auto insurance companies think about when they decide your insurance rate, but the color of your car is not factored into that equation.

Do I need to have insurance before I buy a Mini Cooper?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Cooper off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your auto insurance company know ahead of time.

What car insurance discounts can I get for my Mini Cooper?

There are all sorts of discounts out there for insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Mini Cooper and more on you, but if your Cooper has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, get in touch with your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from company to company.

Find your best rate in just a few minutes