If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Mini costs? Here’s what you need to know.
The average cost of Mini car insurance is $2,180 a year or $182 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Mini is $2,180 per year.
- The Cooper Electric is the cheapest Mini model to insure.
- Advanced safety features that come standard on Mini models help lower your insurance costs.
Average cost of car insurance for a Mini, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Mini car insurance rates by insurance company.
Cost to insure a Mini, by company
Company | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Nationwide | $1,609 | $804 | $134 |
Geico | $1,785 | $892 | $149 |
State Farm | $1,843 | $921 | $154 |
Progressive | $1,996 | $998 | $166 |
Farmers | $2,722 | $1,361 | $227 |
Allstate | $3,175 | $1,588 | $265 |
Mini average insurance rates, by model
Mini Cooper Electric car insurance cost
The average car insurance premium for Mini Cooper Electric is $175 per month, which translates to $2,099 per year. The most affordable company for a Mini Cooper Electric is Nationwide with a rate of $127 monthly or $1,522 per year.
Mini Cooper Countryman JCW car insurance cost
The average car insurance premium for Mini Cooper Countryman JCW is $176 per month, which translates to $2,108 per year. The most affordable company for a Mini Cooper Countryman JCW is Nationwide with a rate of $127 monthly or $1,525 per year.
Mini Cooper Countryman car insurance cost
The average car insurance premium is $179 per month, which adds up to $2,145 each year for a Mini Cooper Countryman. Nationwide is the cheapest car insurance company, with a monthly rate of $132, which translates to an annual cost of $1,581.
Mini Cooper car insurance cost
The monthly car insurance cost for a Mini Cooper is $180, which translates to $2,164 annually. Nationwide tops the list of the most affordable car insurance companies, with an average cost of $1,597 a year or $133 per month.
Mini Cooper Clubman S car insurance cost
The average monthly car insurance premium for a Mini Cooper Clubman S is $188, which totals $2,258 annually. Nationwide offers the cheapest rate at $145 per month or $1,741 annually.
Mini Cooper JCW car insurance cost
The average car insurance premium for Mini Cooper JCW is $192 per month, which translates to $2,298 per year. The most affordable company for a Mini Cooper JCW is Nationwide with a rate of $138 monthly or $1,659 per year.
The average cost of car insurance for a Mini, by age
The cost of Mini car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Mini by the driver’s age.
Cost to insure a Mini, by model, for 18-year-olds
Age | Make Model | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|---|
18 | Mini Cooper | $7,858 | $3,929 | $655 |
18 | Mini Cooper Clubman JCW | $8,742 | $4,371 | $728 |
18 | Mini Cooper Clubman S | $8,325 | $4,162 | $694 |
18 | Mini Cooper Countryman | $7,839 | $3,920 | $653 |
18 | Mini Cooper Countryman JCW | $7,594 | $3,797 | $633 |
18 | Mini Cooper Electric | $7,751 | $3,876 | $646 |
18 | Mini Cooper JCW | $8,235 | $4,117 | $686 |
Cost to insure a Mini, by model, for 40-year-olds
Age | Make Model | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|---|
40 | Mini Cooper | $2,164 | $1,082 | $180 |
40 | Mini Cooper Clubman JCW | $2,387 | $1,194 | $199 |
40 | Mini Cooper Clubman S | $2,258 | $1,129 | $188 |
40 | Mini Cooper Countryman | $2,145 | $1,073 | $179 |
40 | Mini Cooper Countryman JCW | $2,108 | $1,054 | $176 |
40 | Mini Cooper Electric | $2,099 | $1,050 | $175 |
40 | Mini Cooper JCW | $2,298 | $1,149 | $192 |
Mini car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Mini car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Mini car insurance rates by state.
State | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Alaska | $1,934 | $967 | $161 |
Alabama | $2,066 | $1,033 | $172 |
Arkansas | $2,342 | $1,171 | $195 |
Arizona | $2,076 | $1,038 | $173 |
California | $2,659 | $1,329 | $222 |
Colorado | $2,763 | $1,382 | $230 |
Connecticut | $2,277 | $1,139 | $190 |
Washington, D.C. | $2,694 | $1,347 | $225 |
Delaware | $2,251 | $1,125 | $188 |
Florida | $2,664 | $1,332 | $222 |
Georgia | $2,462 | $1,231 | $205 |
Hawaii | $1,416 | $708 | $118 |
Iowa | $1,799 | $900 | $150 |
Idaho | $1,438 | $719 | $120 |
Illinois | $2,058 | $1,029 | $172 |
Indiana | $1,963 | $981 | $164 |
Kansas | $2,348 | $1,174 | $196 |
Kentucky | $2,790 | $1,395 | $232 |
Louisiana | $3,626 | $1,813 | $302 |
Massachusetts | $2,031 | $1,016 | $169 |
Maryland | $2,027 | $1,013 | $169 |
Maine | $1,519 | $760 | $127 |
Michigan | $2,725 | $1,362 | $227 |
Minnesota | $2,387 | $1,194 | $199 |
Missouri | $2,407 | $1,203 | $201 |
Mississippi | $2,443 | $1,222 | $204 |
Montana | $2,418 | $1,209 | $202 |
North Carolina | $1,868 | $934 | $156 |
North Dakota | $1,980 | $990 | $165 |
Nebraska | $2,283 | $1,141 | $190 |
New Hampshire | $1,655 | $828 | $138 |
New Jersey | $2,089 | $1,044 | $174 |
New Mexico | $2,270 | $1,135 | $189 |
Nevada | $2,107 | $1,054 | $176 |
New York | $1,637 | $819 | $136 |
Ohio | $1,542 | $771 | $128 |
Oklahoma | $2,400 | $1,200 | $200 |
Oregon | $2,078 | $1,039 | $173 |
Pennsylvania | $2,308 | $1,154 | $192 |
Rhode Island | $2,536 | $1,268 | $211 |
South Carolina | $1,957 | $978 | $163 |
South Dakota | $2,567 | $1,283 | $214 |
Tennessee | $2,375 | $1,187 | $198 |
Texas | $3,134 | $1,567 | $261 |
Utah | $1,708 | $854 | $142 |
Virginia | $1,631 | $815 | $136 |
Vermont | $1,612 | $806 | $134 |
Washington | $1,707 | $854 | $142 |
Wisconsin | $1,679 | $839 | $140 |
West Virginia | $2,057 | $1,028 | $171 |
Wyoming | $2,474 | $1,237 | $206 |
Average car insurance cost for different vehicle makes
Which body styles are cheaper or more expensive to insure?
If you’re looking for affordable Mini car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Mini models to insure
Opting for smaller, less costly Mini models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Mini models to insure
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Mini
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Mini discounts on car insurance
You can take advantage of all the available discounts to lower your Mini car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Mini insurance? It will depend on which model you choose. Mini builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Mini
Mini has built its reputation for creating iconic compact cars that blend innovative design with functionality. Established in 1959, the brand was originally a product line of the British Motor Corporation, which aimed to develop fuel-efficient vehicles during the Suez Canal crisis. Over the decades, Mini has expanded its offerings, including sporty models and electric vehicles, all while preserving its unique charm and compact design ethos.
Final thoughts on Mini insurance costs
Mini makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Mini?
Your driving history is one of the many factors affecting your Mini car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Mini affect the insurance premium?
The color of your Mini does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Mini affect insurance costs?
Your Mini’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.

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