Mini Cooper Car Insurance Quotes (2026)
Mini Cooper car insurance averages between $88 and $218 per month for full coverage, depending on the insurer you choose.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Qualifications:
National Association of Real Estate Editors member
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.
)
Editor: Chris SchaferDeputy Managing Editor, News and Marketing Content
Editor: Chris SchaferDeputy Managing Editor, News and Marketing Content
Qualifications:
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.
)
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance for Your Mini Cooper
Check quotes from 100+ top insurance companies
Excellent
4.7 out of 5 based on 17,301 reviews
Secure. Free. Easy-to-use.
2025 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Good to Know
The 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.
2021 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Mini Cooper insurance
The 2017 Mini Cooper had an MSRP of $23,050.[8] This chart shows the average premiums by insurer for this vehicle.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Mini Cooper insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Compare Mini Cooper Car Insurance Quotes
Compare rates from the nation’s leading insurance companies
Excellent
4.7 out of 5 based on 17,301 reviews
Secure. Free. Easy-to-use.
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 |
| District of Columbia | $303 |
| Wisconsin | $117 |
| West Virginia | $138 |
| Wyoming | $105 |
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.
Which company has the cheapest Mini Cooper insurance?
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.
Are Mini Coopers expensive to insure?
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.
How much does it cost to insure a Mini Cooper?
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.
Are Mini Coopers reliable?
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]
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."
Methodology
Insurify data scientists analyzed more than 250 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.
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Qualifications:
National Association of Real Estate Editors member
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.
Editor: Chris SchaferDeputy Managing Editor, News and Marketing Content
Editor: Chris SchaferDeputy Managing Editor, News and Marketing Content
Qualifications:
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.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.