If you’re looking for insurance for your Mini Cooper Countryman in 2025, you’re in the right place. Car insurance rates for the Mini Cooper Countryman depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Mini Cooper Countryman costs around $2,220 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Cooper Countryman might cost slightly less, around $2,038 per year, while insuring a 2018 model could be even more budget-friendly at $1,893 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Mini Cooper Countryman.
What is the cost to insure your Mini Cooper Countryman in 2025?
The average cost to insure a Mini Cooper Countryman is $179 per month, or $2,145 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Mini Cooper Countryman
Nationwide provides the most affordable car insurance for your Mini Cooper Countryman, with an average annual rate of $1,581, or $132 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Mini Cooper Countryman.
Company | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Nationwide | $1,581 | $791 | $132 |
Geico | $1,692 | $846 | $141 |
State Farm | $1,866 | $933 | $156 |
Progressive | $2,020 | $1,010 | $168 |
Farmers | $2,682 | $1,341 | $223 |
Allstate | $3,084 | $1,542 | $257 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Mini Cooper Countryman car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Mini Cooper Countryman will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Mini Cooper Countryman. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
Model year | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
2014 | $1,627 | $813 | $136 |
2015 | $1,681 | $840 | $140 |
2016 | $1,728 | $864 | $144 |
2017 | $1,822 | $911 | $152 |
2018 | $1,893 | $947 | $158 |
2019 | $1,937 | $968 | $161 |
2020 | $2,016 | $1,008 | $168 |
2021 | $2,038 | $1,019 | $170 |
2022 | $2,087 | $1,044 | $174 |
2023 | $2,220 | $1,110 | $185 |
Mini Cooper Countryman car insurance rates for different trims
A Mini Cooper Countryman’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims, such as the Countryman Cooper S ALL4, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Mini Cooper Countryman.
Vehicle trim | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Countryman Cooper | $2,048 | $1,024 | $171 |
Countryman Cooper ALL4 | $2,115 | $1,058 | $176 |
Countryman Cooper S | $2,184 | $1,092 | $182 |
Countryman Cooper S ALL4 | $2,234 | $1,117 | $186 |
Mini Cooper Countryman insurance rates: State-by-state breakdown
The cost to insure a Mini Cooper Countryman can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Mini Cooper Countryman car insurance rates for different states in the table below.
State | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Alaska | $1,930 | $965 | $161 |
Alabama | $2,032 | $1,016 | $169 |
Arkansas | $2,312 | $1,156 | $193 |
Arizona | $2,047 | $1,024 | $171 |
California | $2,643 | $1,321 | $220 |
Colorado | $2,728 | $1,364 | $227 |
Connecticut | $2,264 | $1,132 | $189 |
Washington, D.C. | $2,685 | $1,342 | $224 |
Delaware | $2,235 | $1,117 | $186 |
Florida | $2,668 | $1,334 | $222 |
Georgia | $2,456 | $1,228 | $205 |
Hawaii | $1,387 | $693 | $116 |
Iowa | $1,777 | $889 | $148 |
Idaho | $1,388 | $694 | $116 |
Illinois | $2,025 | $1,013 | $169 |
Indiana | $1,926 | $963 | $161 |
Kansas | $2,316 | $1,158 | $193 |
Kentucky | $2,744 | $1,372 | $229 |
Louisiana | $3,606 | $1,803 | $301 |
Massachusetts | $1,938 | $969 | $161 |
Maryland | $2,002 | $1,001 | $167 |
Maine | $1,472 | $736 | $123 |
Michigan | $2,678 | $1,339 | $223 |
Minnesota | $2,316 | $1,158 | $193 |
Missouri | $2,362 | $1,181 | $197 |
Mississippi | $2,403 | $1,201 | $200 |
Montana | $2,379 | $1,189 | $198 |
North Carolina | $1,737 | $869 | $145 |
North Dakota | $1,940 | $970 | $162 |
Nebraska | $2,255 | $1,128 | $188 |
New Hampshire | $1,623 | $812 | $135 |
New Jersey | $2,063 | $1,031 | $172 |
New Mexico | $2,239 | $1,119 | $187 |
Nevada | $2,095 | $1,047 | $175 |
New York | $1,596 | $798 | $133 |
Ohio | $1,525 | $763 | $127 |
Oklahoma | $2,377 | $1,189 | $198 |
Oregon | $2,033 | $1,016 | $169 |
Pennsylvania | $2,287 | $1,144 | $191 |
Rhode Island | $2,516 | $1,258 | $210 |
South Carolina | $1,933 | $967 | $161 |
South Dakota | $2,519 | $1,259 | $210 |
Tennessee | $2,336 | $1,168 | $195 |
Texas | $3,094 | $1,547 | $258 |
Utah | $1,680 | $840 | $140 |
Virginia | $1,615 | $807 | $135 |
Vermont | $1,576 | $788 | $131 |
Washington | $1,698 | $849 | $142 |
Wisconsin | $1,653 | $827 | $138 |
West Virginia | $2,011 | $1,005 | $168 |
Wyoming | $2,332 | $1,166 | $194 |
How your age impacts Mini Cooper Countryman insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
Age | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Teens | $7,839 | $3,920 | $653 |
Adults | $2,145 | $1,073 | $179 |
The bottom line
Knowing how much it costs to insure a Mini Cooper Countryman is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.

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