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.

Insurance rates by car model

Insurance rates by car model

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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.

CompanyAnnual ratesSix-month ratesMonthly 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 yearAnnual ratesSix-month ratesMonthly 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 trimAnnual ratesSix-month ratesMonthly 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.

StateAnnual ratesSix-month ratesMonthly 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.

AgeAnnual ratesSix-month ratesMonthly 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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.