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

The average insurance premium for a Mini Cooper Countryman tends to be around $156 a month. Take a look at our most recent guide to see how much auto insurance carriers might charge you to insure your Mini Cooper Countryman.

Quick Facts

  • A Mini Cooper Countryman is more affordable to insure than the average car.
  • Liability only car insurance rates for a Cooper Countryman run around $71 per month, while full coverage normally runs about $149.
  • The most affordable insurance carrier for a Cooper Countryman is Commonwealth Casualty, who offers prices sometimes as little as $36 monthly.

Cooper Countryman Overview

The Mini Cooper Countryman is a great budget-friendly car for drivers of all types, with 2022 models starting at $26,900. The Cooper Countryman is not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your future auto insurance premiums.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that average Mini Cooper Countryman insurance rates run around $156 per month. How do auto insurance premiums for the Cooper Countryman stack up against other similar cars?

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$156/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Mini Cooper Countryman?

Vehicle Liability Only Full Coverage
Mini Cooper Countryman$71$149
All Mini Models$66$149
All Cars$83$177
Average Insurance Premium$81$169

In the table above, you'll find that when you compare the Mini Cooper Countryman to other vehicles, insurance prices are cheaper than average. Cooper Countryman owners can expect to pay about $149 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $71 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).

Compared to other models, the Cooper Countryman is matches the other vehicle types offered by Mini. Compared to offerings from other brands, car insurance for a Cooper Countryman is also more affordable, with liability only insurance premiums coming in around 14% less and 16% less for full coverage.

Overall, they're just more affordable to insure than the average vehicle, no matter what model, body style, or make they are.

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Who has the Cheapest Car Insurance for a Mini Cooper Countryman?

Insurance Company Average Monthly Premium
Hugo$26
Esurance$35
Commonwealth Casualty$36
Infinity$38
Workmens$44

Browsing for a car insurance policy for your Mini Cooper Countryman? You may be most interested in which company offers the lowest rates. Even though rates can change significantly from between drivers, the lowest average rates for liability only insurance are as low as $26 monthly from Hugo. The next cheapest carrier is Esurance, who offers auto insurance sometimes as cheap as $35 a month.

Commonwealth Casualty, Infinity, and Workmens finish off the rest of the top 5. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, insurance companies look at a bunch of factors when calculating rates, so your results might be different. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from multiple car insurance carriers.

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What Factors Affect Car Insurance Rates for a Mini Cooper Countryman?

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

The following sections show a lot of things insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$63
2-3 Years$76
4-5 Years$65
6-7 Years$69
8-10 Years$76
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

Mini has been making the Cooper Countryman for quite some time, so the car's age may play a role in how much you'll pay for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Cooper Countrymans begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Mini Cooper Countryman does not follow this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Cooper Countrymans are 2 to 3 and 8 to 10 years old.

Your Age

Age Average Monthly Premium

Age plays a big role in how much you pay for auto insurance. As you can see above, drivers who have more experience on the road pay less than younger Cooper Countryman drivers. Mini Cooper Countryman drivers between 18 and 24 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 45-54 making up the cheapest age group for the Cooper Countryman.

Your Gender

Gender Average Monthly Premium
Male$81
Female$63

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to charge women less than men. The Mini Cooper Countryman follows this convention, and men pay about 29% more than women per month for insurance.

Where You Live

State Average Monthly Premium
California$52
Florida$144
Georgia$122
Illinois$56
New York$124
North Carolina$57
Ohio$45
Pennsylvania$64
Texas$62
Virginia$37

You were probably already aware that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live can be equally important? Since insurance is regulated on a state-by-state basis, premiums fluctuate quite a bit depending on what state you live in.

For example, the average Mini Cooper Countryman driver from New York pays around $124 monthly for liability coverage, while the same owner in California will pay less than 50% of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Mini Cooper Countryman Car Insurance Discounts

Whatever how old you are, where you live, or what car you drive, it's always the smart move to take advantage of as many auto insurance discounts as possible.

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

  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-policy discounts for bundling your home and auto policies with the same insurance company
  • Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments

While discounts are always a good way to save money on your auto insurance, sometimes, it's actually having a favorable driving record and insurance history that get you the best rates.

While you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), you can control some of it. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$110
1 Ticket$72
Multiple Tickets$86

You've most likely observed ads from auto insurance carriers offering hefty discounts for responsible drivers. It follows that your car insurance premiums will increase if you get into a collision or get cited for speeding. But exactly how much will these infractions cost you?

Based on the table above, accidents will usually cost Cooper Countryman drivers more than tickets, but both will result in a raise in rates. Mini Cooper Countryman drivers with one accident on their record pay about $83 each month (up $12 from the $71/mo. overall average), while drivers with a single ticket will pay an average of $72 a month. The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$46
2,501-5,000 Miles$97
5,001-7,500 Miles$64
7,501-10,000 Miles$69
10,000+ Miles$65

The total amount of miles you drive impacts your insurance rates. Drivers who are on the roads less often are less likely to get speeding tickets, so they'll typically end up paying less for car insurance. In the table above, you can see that Mini Cooper Countryman owners who drive 10,000 miles or more pay $65 for insurance, while those who drive fewer than 2,500 miles a year pay an average of $46 per month.

If you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Mini Cooper Countrymans Compare to Other Vehicles?

If you're considering buying a new car and a Mini Cooper Countryman is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the Mini Cooper Countryman stacks up:

Mini Cooper Countryman National Average
Liability Insurance-$81
Full Coverage Insurance$114$169
Base MSRP$29,100$46,192
Average Annual Mileage9,84911,617

With an MSRP that's a third less than the going rate for a new vehicle, the Mini Cooper Countryman is a great value for any budget. While the national average vehicle price is $46,192, the Cooper Countryman retails at just $29,100.

Full coverage insurance for a Mini Cooper Countryman is about $55 a month cheaper than average, while liability only coverage is monthly.

When it comes to usage, Mini Cooper Countryman owners drive fewer miles annually than the national average, with 9,849 miles every year compared to 11,617 for all vehicles.

Mini Cooper Countryman Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on what you'll pay for insurance. But if you're in the market for a new car, truck, or SUV and the Cooper Countryman is on your wishlist, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

2021 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$126
Base MSRP$26,400
Cheapest Insurance CompanyDirectGeneral - $30/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

2021 Cooper Countryman drivers can expect to pay an average of $52 a month for liability or $126 for full coverage.

If you're looking for the most affordable 2021 Mini Cooper Countryman insurance policy, DirectGeneral offered the lowest policy we found, with rates as cheap as $30 per month.

If you want to find the best rates for car insurance for a 2021 Mini Cooper Countryman, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2020 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$51
Full Coverage Avg. Premium$189
Base MSRP$27,400
Cheapest Insurance CompanyDirectGeneral - $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

On average, drivers who own a 2020 Mini Cooper Countryman can expect to pay $51 to $189 a month for liability only and full coverage insurance, respectively.

With premiums as little as $31 monthly, DirectGeneral offered the cheapest policy we found for the 2020 Mini Cooper Countryman.

While these are good estimates of what the average driver might pay to insure a 2020 Mini Cooper Countryman, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2019 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$59
Full Coverage Avg. Premium$158
Base MSRP$21,900
Cheapest Insurance CompanyHugo - $26/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

You can expect full coverage for a 2019 Cooper Countryman to run around $158 per month, while liability only coverage will average about $59 a month.

With premiums as low as just $26 per month, Hugo offered the most affordable policy we found.

Want to find the best rates? Just enter your ZIP code below to get lots of free personalized quotes.

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2018 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$111
Full Coverage Avg. Premium$205
Base MSRP$21,600
Cheapest Insurance CompanyHugo - $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 2018 Mini Cooper Countryman with liability only coverage is $111 monthly, while full coverage runs around $205 per month.

Hugo has prices sometimes as low as $25 a month for the 2018 Mini Cooper Countryman.

These average rates are a great starting point if you're in the market for a 2018 Mini Cooper Countryman, but there are many different factors 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.

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2017 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$60
Full Coverage Avg. Premium$163
Base MSRP$20,950
Cheapest Insurance CompanyClearcover - $36/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 about $60 monthly for liability or $163 for a full coverage policy for the 2017 Cooper Countryman.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as just $36 per month.

While these are good estimates of what the average driver might pay to insure a 2017 Mini Cooper Countryman, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2016 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$135
Base MSRP$20,700
Cheapest Insurance CompanyLiberty Mutual - $19/mo.
Available TrimsCLUBMAN, COOPER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

On average, drivers who own a 2016 Mini Cooper Countryman can expect to pay $66 to $135 monthly for liability only and full coverage auto insurance, respectively.

We found Liberty Mutual offered the lowest policy, with rates as little as just $19 a month.

Want to know exactly how much you'll pay? Get multiple free customized quotes by just entering your ZIP code below.

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2015 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$57
Full Coverage Avg. Premium$131
Base MSRP$20,700
Cheapest Insurance CompanyWorkmens - $27/mo.
Available TrimsCOOPER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S COUNTRYMAN, S PACEMAN

It costs around $57 per month for liability or $131 for a full coverage policy for the 2015 Cooper Countryman.

Workmens offered the most affordable policy we found, with rates as cheap as $27 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2014 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$154
Base MSRP$19,950
Cheapest Insurance CompanyHallmark - $21/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

You can expect full coverage for a 2014 Mini Cooper Countryman to run about $154 monthly, while liability only coverage will average around $67 a month.

Hallmark has rates as little as just $21 per month for the 2014 Mini Cooper Countryman.

Want to know just how much you'll pay? Enter your ZIP code below to get several free customized quotes.

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2013 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$155
Base MSRP$19,700
Cheapest Insurance CompanyWorkmens - $23/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COUNTRYMAN, COUNTRYMAN JCW, JOHN COOPER WORKS, PACEMAN, PACEMAN JCW, S, S CLUBMAN, S COUNTRYMAN, S PACEMAN

2013 Cooper Countryman drivers can expect to pay an average of $76 monthly for liability or $155 for full coverage.

Workmens offered the cheapest policy we found, with rates sometimes as low as $23 per month.

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

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2012 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$141
Base MSRP$19,500
Cheapest Insurance CompanyLiberty Mutual - $21/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COUNTRYMAN, JOHN COOPER WORKS, S, S CLUBMAN, S COUNTRYMAN

The average cost to insure a 2012 Mini Cooper Countryman with liability only coverage is $70 monthly, while full coverage runs about $141 a month.

With premiums sometimes as cheap as $21 monthly, Liberty Mutual offered the most affordable policy we found for the 2012 Mini Cooper Countryman.

Interested in what your car insurance price could look like? Enter your ZIP code below to get a variety of personalized quotes for free.

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2011 Mini Cooper Countryman Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$136
Base MSRP$19,400
Cheapest Insurance CompanyMercury - $23/mo.
Available TrimsCLUBMAN, CLUBMAN JCW, COOPER, COUNTRYMAN, JOHN COOPER WORKS, S, S CLUBMAN, S COUNTRYMAN

You can expect full coverage for a 2011 Cooper Countryman to run around $136 a month, while liability only coverage will average about $74 per month.

Looking for the lowest policy? Mercury offered liability only coverage for sometimes as little as $23 monthly.

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

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Mini Cooper Countryman Insurance FAQs

Is a Mini Cooper Countryman expensive to insure?

Liability insurance runs an average of $71 a month, while full coverage will cost you around $149. The Mini Cooper Countryman is relatively cheap to insure compared to the average vehicle.

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

The only way to be confident you're getting the cheapest price on insurance is to check prices regularly and compare quotes from a multitude of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from numerous carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mini Cooper Countryman affect my insurance rates?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not the case. Although there are several variables auto insurance companies think about when they decide how much to charge for car insurance, your car's color isn't one of them.

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

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Mini Cooper Countryman off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your insurance carrier know before you buy.

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

There are a ton of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Cooper Countryman has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about which discounts they offer.

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