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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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MINI Cooper insurance averages $130 per month, making it roughly 20% cheaper to insure than the average vehicle.
USAA is the most affordable car insurance company for most drivers, with an overall average monthly rate of $69.
Low theft rates and robust features keep MINI Cooper rates manageable, but pricier European parts and specialized repairs can drive up costs.
Your MINI Cooper car insurance rate depends primarily on the coverage you choose. Liability-only coverage is often the cheapest and covers damage you cause to others, but not to your vehicle.
Full coverage combines liability insurance with comprehensive and collision coverage. While comprehensive insurance protects your MINI Cooper from incidents like theft or hail damage, collision insurance pays for car accident damage.
Here’s a peek at how MINI Cooper insurance premiums compare to the national average of all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| MINI Cooper | $93 | $167 | $130 |
| All vehicles | $113 | $212 | $163 |
The average liability premium for a MINI Cooper is $93 per month. Full coverage costs around $74 more per month, on average. Still, both fall well below the national average cost of insurance.
When comparing car insurance, keep in mind your personal rate will look different. Everything from your ZIP code to your credit history factors into what you’ll actually pay. Next, let’s see which companies offer the cheapest rates for the MINI Cooper.
Comparing quotes can save you up to $$867.†
If you shop around for MINI Cooper insurance, you’ll notice different prices for the same coverage. Each company has its own formula for calculating rates, so you may get a better deal from one company but not from another for the same coverage.
The table below shows the average MINI Cooper insurance premiums from top insurers, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $76 |
| Allstate | $97 |
| GEICO | $106 |
| AAA | $116 |
| American Family | $104 |
| Progressive | $128 |
| Nationwide | $126 |
| Travelers | $131 |
| Farmers | $149 |
| Liberty Mutual | $177 |
| Amica | $334 |
Below, we break down how the three cheapest companies — USAA, State Farm, and Allstate — stand out for MINI Cooper owners.
| 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. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
MINI Cooper owners will find that USAA consistently offers lower prices and better customer service compared to its competitors. The company rates highly for claims satisfaction, which can make all the difference when you need to replace expensive European parts.[1]
But USAA auto insurance is available only to military members and their families. So, if you qualify, you get the added peace of mind that relocations or deployments won’t interrupt your coverage.
Top-tier customer service[2]
Exclusive member perks
Available only to military members and family
Fewer available discounts
| User Reviews | 3.9 |
|---|---|
| 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. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has a vast network of insurance agents. This means that, regardless of where you live, you can actually speak with someone local when you have questions about your MINI Cooper coverage. The company also offers rental car reimbursement to help keep you on the road if repairs take longer because parts are coming from overseas.
Above-average claims experience
Many available discounts
Above-average customer complaints[3]
Expensive rates for high-risk drivers
| User Reviews | 3.6 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers MINI Cooper owners several ways to reduce insurance costs. You’ll find discounts for bundling, vehicle safety features, and paying your policy in full. Plus, students who get good grades or attend school away from home may be eligible for additional savings on car insurance. Accident forgiveness and the Drivewise program can also help keep rates affordable.
Bundling discount of up to 25%
Accident forgiveness option
Customer service could be better
Limited policy choices
Generally, the older a vehicle is, the lower its insurance costs tend to be. As cars age, they lose value through depreciation, which reduces the maximum amount an insurance company would need to pay out after an accident.
But you can still find affordable coverage even if you drive a newer MINI Cooper model. The tables below highlight how average MINI Cooper rates vary by model year, as well as the cheapest insurers for each model, according to our data.
Cooper Model Year | Average Monthly Premium |
|---|---|
| 2026 | $156 |
| 2025 | $157 |
| 2024 | $157 |
| 2023 | $156 |
| 2022 | $156 |
| 2021 | $151 |
| 2020 | $144 |
| 2019 | $141 |
| 2018 | $136 |
| 2017 | $134 |
| 2016 | $130 |
| 2015 | $127 |
| 2014 | $125 |
| 2013 | $119 |
| 2012 | $115 |
| 2011 | $112 |
| 2010 | $111 |
| 2009 | $107 |
| 2008 | $105 |
| 2007 | $104 |
| 2006 | $103 |
| 2005 | $100 |
| 2004 | $97 |
| 2003 | $96 |
| 2002 | $97 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $91 |
| Allstate | $116 |
| American Family | $125 |
| GEICO | $127 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $117 |
| American Family | $126 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $117 |
| American Family | $126 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $91 |
| Allstate | $117 |
| American Family | $125 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $91 |
| Allstate | $117 |
| American Family | $125 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| Allstate | $113 |
| American Family | $121 |
| GEICO | $123 |
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| American Family | $113 |
| GEICO | $115 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $102 |
| American Family | $109 |
| GEICO | $111 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $107 |
| GEICO | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $76 |
| Allstate | $97 |
| American Family | $104 |
| GEICO | $106 |
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| State Farm | $74 |
| Allstate | $95 |
| American Family | $102 |
| GEICO | $103 |
Compare personalized quotes from dozens of top companies in minutes.
Where you park your Cooper at night makes a bigger difference in your insurance costs than you might think. State insurance minimums, regional repair shop prices, local weather risks, and even fraud rates in your ZIP code all play into your monthly bill.[4]
Living in a congested city with frequent fender benders will cost you more than insuring the same car in a quiet rural town. For example, MINI owners in Washington, D.C., pay an average of $214 per month, while MINI drivers in more rural North Carolina pay an average of $60.
The map below highlights just how much average rates can vary for the MINI Cooper depending on which state you call home, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $107 |
| Arizona | $114 |
| Arkansas | $123 |
| California | $140 |
| Colorado | $140 |
| Connecticut | $194 |
| Delaware | $162 |
| Florida | $151 |
| Georgia | $173 |
| Hawaii | $86 |
| Idaho | $71 |
| Illinois | $108 |
| Indiana | $89 |
| Iowa | $73 |
| Kansas | $101 |
| Kentucky | $134 |
| Louisiana | $145 |
| Maine | $95 |
| Maryland | $206 |
| Massachusetts | $103 |
| Michigan | $156 |
| Minnesota | $118 |
| Mississippi | $103 |
| Missouri | $123 |
| Montana | $101 |
| Nebraska | $98 |
| Nevada | $172 |
| New Hampshire | $60 |
| New Jersey | $183 |
| New Mexico | $99 |
| New York | $150 |
| North Carolina | $60 |
| North Dakota | $79 |
| Ohio | $84 |
| Oklahoma | $116 |
| Oregon | $104 |
| Pennsylvania | $110 |
| Rhode Island | $150 |
| South Carolina | $166 |
| South Dakota | $94 |
| Tennessee | $97 |
| Texas | $149 |
| Utah | $102 |
| Vermont | $97 |
| Virginia | $122 |
| Washington | $115 |
| Washington D.C. | $214 |
| West Virginia | $100 |
| Wisconsin | $82 |
| Wyoming | $77 |
Alaska omitted due to insufficient data
Your age affects your Cooper insurance premium just as much as your ZIP code. For example, motor vehicle crashes are a leading cause of death among teens, and insurers charge teens higher insurance rates because of it.[5]
Fortunately, your rates drop steadily as you gain driving experience, with the most noticeable savings kicking in once you reach your mid-20s. Seniors score the lowest premiums because they’re more likely to follow traffic rules, drive fewer miles, and avoid risky situations like rush-hour traffic.[6]
The table below shows the average monthly premiums that MINI Cooper drivers pay by age group, based on our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $250 |
| Adults | $130 |
| Seniors | $112 |
Young drivers face the steepest auto insurance rates because the numbers tell a sobering story. Teens ages 16–19 are more likely to get into an accident than any other age group, and insurance companies price their policies to match this heightened risk.[5]
That said, some companies still offer teens and young drivers great rates. The chart below highlights some of the most affordable options, according to our data.
Senior MINI Cooper drivers usually pay the lowest insurance rates due to their decades of safe driving habits. Older drivers pose less risk to insurers because they’re more likely to obey speed limits, follow traffic rules, and avoid risky driving conditions, such as rush-hour traffic or adverse weather.
Many also drive significantly fewer miles than they did during their working years, which further lowers their overall risk profile.
Here are some of the cheapest car insurance companies for senior MINI owners, according to our data.
Your driving history carries serious weight when it comes to auto insurance premiums. Insurers set rates based on expected claim costs, and tickets or accidents on your record signal that you’re more likely to file future claims.
But even if you have some blemishes on your record, don’t lose hope. Certain insurance companies specialize in high-risk coverage and may offer surprisingly competitive rates for people with less-than-perfect driving histories.
The table below highlights average car insurance rates for MINI Cooper owners with different driving records, according to our research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $130 |
| Speeding ticket | $174 |
| At-fault accident | $186 |
| DUI | $218 |
A speeding ticket raises insurance costs because speeding dramatically increases your crash risk.[7] When you’re driving faster, you have less time to react to hazards, need more distance to stop, and face more severe consequences if you do crash.[8]
Tickets often predict future claims, so insurance companies will adjust your rates accordingly. But you can limit costly rate hikes by choosing one of the insurers we’ve highlighted in the chart below.
Not every fender bender will affect your Cooper’s insurance premiums, but serious at-fault accidents can.
Your insurance company will typically raise your premium after you file a claim. But the amount and length it applies varies among companies. And having too many accident claims may even cause your insurer to drop you when it’s time to renew your policy.
But don’t fret. We’ve highlighted the five companies offering the best rates for MINI Cooper drivers with an accident in the chart below.
Driving under the influence (DUI) causes a sharper increase in your insurance rates than anything else on your driving record. Getting behind the wheel with a blood-alcohol level of .08 (the legal limit in most states) drastically increases your chances of getting into an accident.[9]
All of this means you can expect to see your rates nearly double after a DUI conviction, according to our data. And some companies may drop you entirely.
Still, certain companies are more open to insuring drivers with DUIs, and some even specialize in high-risk drivers. The chart below breaks down the cheapest companies for Cooper owners with a DUI, according to Compare.com data.
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A few things can raise or lower MINI Cooper insurance costs.
Vehicle value: The 2025 MINI Cooper costs around $26,125, but the Hardtop two-door pricing starts at $41,775 for the John Cooper Works model.[10]
Luxury classification: MINI Coopers are premium vehicles, which affects insurance premiums because luxury cars typically cost more to fix.
Theft risk: You won’t find MINI Coopers on the National Insurance Crime Bureau’s list of most stolen vehicles, so theft won’t jack up your rates.
Repair costs: European parts for the MINI aren’t cheap, and repairs can require specialized labor.
Safety features: MINI Coopers come loaded with safety features like active blind-spot detection, which can qualify you for safety discounts.
Your Cooper comes with built-in advantages that can help drop your insurance premiums.
Try usage-based insurance. Your MINI Cooper comes with BMW CarData Connectivity, which delivers telematics data to insurers, potentially helping you save if you drive safely.
Claim low-mileage discounts. Some MINI Cooper owners use their car on weekends only, and driving fewer miles can qualify you for lower rates.
Bundle coverages. Your Cooper’s car insurance is pricier than the average car, so the percentage of money you save by bundling goes up.
Consider covered parking. Parking your MINI Cooper in a garage can lower the risk of hail and vandalism claims.
Compare policy prices. Shop and compare quotes regularly to lock in the best deal.
Compare personalized quotes and find the best insurer for your MINI Cooper.
You have questions about insuring your MINI Cooper, and we have straightforward answers. Here are the most common questions Cooper owners ask about their car insurance.
Generally, yes. The average monthly cost for MINI Cooper insurance is $130 per month, according to Compare.com data. That’s well below the $163 monthly average for all vehicles.
USAA offers the lowest rates for MINI Coopers, averaging $83 per month for a 2026 model. But USAA coverage is limited to members of the military community.
Drivers who are ineligible for USAA can consider State Farm and Allstate as the next most affordable insurers. The monthly averages for a 2026 Cooper with these insurers are $91 and $116, respectively.
Insuring a 2025 MINI Cooper will run you around $157 per month, on average, according to Compare.com data. A liability-only policy averages $112 per month, while a full-coverage policy averages $202 per month.
The 2003 MINI Cooper is typically the cheapest MINI model to insure, at $96 per month, according to Compare.com data.
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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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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