Are you considering insuring your Mini Cooper Countryman in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Mini Cooper Countryman can vary widely based on factors such as your location, driving history, and vehicle model year.
A 2023 Mini Cooper Countryman typically costs around $2,220 per year to insure, although prices vary widely for older models. For example, a 2021 Cooper Countryman costs $2,038 annually, whereas you’ll pay $1,893 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing 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 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
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
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
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Mini Cooper Countryman will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance 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 |
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Mini Cooper Countryman car insurance rates for different trims
When it comes to insuring a Mini Cooper Countryman, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims like the Countryman Cooper S ALL4, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different 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
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again 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.” August 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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