Mini Cooper Car Insurance Quotes (2025)
Mini Cooper car insurance averages between $88 and $218 per month for full coverage, depending on the insurer you choose.
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Written byAly J. Yale
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Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Table of contents
Mini Coopers boast relatively low insurance costs compared to other popular car models, with an average of just $132 per month. That’s 13% below the average car insurance cost nationwide.
Mini Cooper Coupes can have even more affordable insurance rates, averaging $90 and $169 per month, respectively.
If you’re considering buying a Mini Cooper, here’s what you might pay for insurance based on the model year, insurance company, and other factors.
Quick Facts
Liability-only coverage for a Mini Cooper costs an average of $92 per month.
Recent Mini Cooper models are often more affordable to insure than older models.
The cheapest insurer for Mini Cooper insurance is USAA.
Cost of Mini Cooper insurance by model year
The exact cost of Mini Cooper car insurance varies by model year and insurance company. Currently, the cheapest insurer for Mini Cooper car insurance is USAA, with an average of $88 per month for full coverage. This is lower than the overall average across all insurers of $173 per month.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $149 |
| 2024 | $131 |
| 2023 | $143 |
| 2022 | $168 |
| 2021 | $148 |
| 2020 | $166 |
| 2019 | $153 |
| 2018 | $153 |
| 2017 | $162 |
| 2016 | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The latest Mini Cooper model year is the 2025, which has an MSRP of $28,950. Here are the average Mini Cooper insurance premiums by company for 2025 models. All rates are for full-coverage policies.
Insurance CompanyAverage Monthly QuoteUSAA $115 State Farm $138 Allstate $154 GEICO $170 American Family $177 Progressive $182 Nationwide $212 Travelers $223 Farmers $269 Liberty Mutual $292 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Mini Cooper has an MSRP of $26,795 and has average monthly insurance premiums that are higher than the 2025 model.[1] The average premium by insurance company is listed below.
Insurance CompanyAverage Monthly QuoteUSAA $140 State Farm $167 Allstate $187 GEICO $206 American Family $215 Progressive $220 Nationwide $257 Travelers $271 Farmers $326 Liberty Mutual $354 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When new, the 2023 Mini Cooper had an MSRP of $23,750.[2] Average insurance rates for it are lower than those for newer models. Look below to see the average 2023 Mini Cooper premium for various popular insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $98 State Farm $117 Allstate $131 GEICO $144 American Family $150 Progressive $154 Nationwide $179 Travelers $189 Farmers $228 Liberty Mutual $248 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Mini Cooper had an MSRP of $23,750 when new, and monthly average insurance premiums are slightly higher than the 2023 model rates. That said, rates are lower than even more recent models.[3]
Insurance CompanyAverage Monthly QuoteUSAA $99 State Farm $118 Allstate $132 GEICO $146 American Family $152 Progressive $156 Nationwide $181 Travelers $191 Farmers $230 Liberty Mutual $250 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Good to KnowThe 2022 Mini Cooper scored “good” in five safety categories during the Insurance Institute for Highway Safety’s review of 2022 model year vehicles. But if you regularly transport children in car seats, the 2022 Mini might not be the car for you. The IIHS scored its child restraints "marginal" for ease of use.
The 2021 Mini Cooper had an MSRP of $23,250, and insurance rates for this model are higher than for the 2022 model.[4] Here, you can see the average Mini Cooper insurance premium for various insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $110 State Farm $132 Allstate $147 GEICO $163 American Family $169 Progressive $174 Nationwide $202 Travelers $213 Farmers $257 Liberty Mutual $279 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 Mini Cooper had an MSRP of $24,250, and average insurance rates are slightly more expensive than those for the 2021 model.[5]
Insurance CompanyAverage Monthly QuoteUSAA $102 State Farm $122 Allstate $136 GEICO $150 American Family $156 Progressive $160 Nationwide $187 Travelers $197 Farmers $238 Liberty Mutual $258 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When new, the 2019 Mini Cooper had an MSRP of $23,750.[6] The average 2019 Mini Cooper insurance premiums for various insurance companies are listed below.
Insurance CompanyAverage Monthly QuoteUSAA $91 State Farm $109 Allstate $121 GEICO $134 American Family $139 Progressive $143 Nationwide $167 Travelers $176 Farmers $212 Liberty Mutual $230 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
While the 2018 Mini Cooper had an MSRP of $22,450, lower than today’s pricing, you’ll actually pay similar rates for this model’s insurance compared to the 2025 Mini.[7] See average 2018 Mini Cooper insurance premiums from popular insurers below.
Insurance CompanyAverage Monthly QuoteUSAA $112 State Farm $134 Allstate $149 GEICO $165 American Family $172 Progressive $176 Nationwide $205 Travelers $216 Farmers $261 Liberty Mutual $283 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Mini Cooper had an MSRP of $23,050.[8] This chart shows the average premiums by insurer for this vehicle.
Insurance CompanyAverage Monthly QuoteUSAA $92 State Farm $110 Allstate $123 GEICO $136 American Family $142 Progressive $145 Nationwide $169 Travelers $178 Farmers $215 Liberty Mutual $234 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2016, you could expect an MSRP of $22,800 for the most current model of Mini Cooper.[9] Here are the average full-coverage premiums, by insurer, for that year’s model.
Insurance CompanyAverage Monthly QuoteUSAA $95 State Farm $113 Allstate $127 GEICO $140 American Family $146 Progressive $149 Nationwide $174 Travelers $183 Farmers $221 Liberty Mutual $240 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of Mini Cooper insurance by state
The cost of insurance for a Mini Cooper also varies by your location. The state with the lowest Mini Cooper premiums is North Carolina, while the highest premiums are found in New York. You can find a state-by-state comparison below.
Rate data isn’t available for Alaska and Hawaii.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $125 |
| Arizona | $153 |
| Arkansas | $226 |
| California | $212 |
| Colorado | $194 |
| Connecticut | $295 |
| Delaware | $217 |
| Florida | $203 |
| Georgia | $220 |
| Idaho | $110 |
| Illinois | $150 |
| Indiana | $127 |
| Iowa | $107 |
| Kansas | $145 |
| Kentucky | $191 |
| Louisiana | $195 |
| Maine | $133 |
| Maryland | $298 |
| Massachusetts | $157 |
| Michigan | $244 |
| Minnesota | $172 |
| Missouri | $170 |
| Mississippi | $183 |
| Montana | $146 |
| Nebraska | $154 |
| Nevada | $247 |
| New Hampshire | $99 |
| New Jersey | $157 |
| New Mexico | $140 |
| New York | $415 |
| North Carolina | $82 |
| North Dakota | $121 |
| Ohio | $114 |
| Oklahoma | $157 |
| Oregon | $142 |
| Pennsylvania | $152 |
| Rhode Island | $130 |
| South Carolina | $238 |
| South Dakota | $114 |
| Tennessee | $132 |
| Texas | $208 |
| Utah | $161 |
| Virginia | $169 |
| Vermont | $134 |
| Washington | $141 |
| Washington D.C. | $303 |
| Wisconsin | $117 |
| West Virginia | $138 |
| Wyoming | $105 |
State | Average Monthly Quote |
|---|---|
| California | $212 |
How to ensure you have enough coverage on your Mini Cooper
You can choose from many types of insurance coverage for your Mini Cooper. You typically only need liability insurance, but if you’re looking for comprehensive protection, full coverage may be the way to go.
Generally, full coverage includes the following:
Liability coverage
Liability coverage includes bodily injury liability and property liability. It covers you if someone is hurt or you damage a vehicle or other property in an accident you cause.
Comprehensive coverage
Comprehensive insurance covers the costs to repair your vehicle if it’s damaged in something other than a collision, such as getting hit by a tree or damaged by hail.
Collision coverage
Collision insurance is for when you’re in a collision with another vehicle or object. It covers the costs to repair your car.
Medical payments/personal injury protection coverage
Personal injury protection can pay for medical bills and funeral costs if you or passengers are injured in an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps with the costs if you’re hit by an uninsured driver or a driver with not enough coverage to pay the full repair bill.
Mini Cooper car insurance FAQs
Getting the right insurance coverage for your Mini Cooper is important. Use the frequently asked questions below to learn more about insuring your Mini and how much you might pay for coverage.
USAA currently has the lowest insurance premiums for Mini Cooper vehicles, though this company is only for military members and their families. If this isn’t you, the next cheapest choice is generally State Farm.
Keep in mind that the cheapest insurer for you will depend on your own unique circumstances. That’s why it’s important to compare quotes from several insurers before choosing a policy.
Not really. Mini Coopers are generally less expensive to insure than many other car models. The average insurance premium is $132 per month, 90% of the average national premium.
The average cost of Mini Cooper insurance is $132 per month. For liability insurance, it’s $92 per month. For full coverage, it’s $173.
Mini Coopers rate as above average in dependability, according to the J.D. Power 2025 U.S. Vehicle Dependability Study. They rank just above Kias and Hondas.[10]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Kelley Blue Book. "Used 2024 Mini Hardtop."
- Kelley Blue Book. "Used 2023 Mini Hardtop."
- Kelley Blue Book. "Used 2022 Mini Hardtop."
- Kelley Blue Book. "Used 2021 Mini Hardtop."
- Kelley Blue Book. "Used 2020 Mini Hardtop."
- Kelley Blue Book. "Used 2019 Mini Hardtop."
- Kelley Blue Book. "Used 2018 Mini Hardtop."
- Kelley Blue Book. "Used 2017 MINI Hardtop."
- Kelley Blue Book. "Used 2016 MINI Hardtop."
- J.D. Power. "Vehicle Dependability Still Suffering Due to Pandemic Aftershocks, J.D. Power Finds."
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Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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