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Mini Cooper Car Insurance
How much does car insurance cost for your Mini Cooper? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Cooper
What is the Average Cost to Insure a Mini Cooper?
Mini Cooper
How much does car insurance cost for Mini Cooper? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Mini Cooper below.
Mini Cooper Insurance Model Year by Age Group
The price you pay to insure your Mini Cooper can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2025 | N/A | $127.13 / mo | N/A | N/A | N/A | N/A |
| 2024 | N/A | $241.19 / mo | $113.20 / mo | $171.13 / mo | N/A | $205.77 / mo |
| 2023 | N/A | $618.38 / mo | $415.08 / mo | $99.48 / mo | $201.88 / mo | $147.52 / mo |
| 2022 | $330.06 / mo | $240.21 / mo | $202.74 / mo | $157.23 / mo | $142.44 / mo | $167.45 / mo |
| 2021 | N/A | $175.80 / mo | $143.02 / mo | $190.64 / mo | $130.14 / mo | $128.44 / mo |
| 2020 | $447.07 / mo | $188.73 / mo | $130.50 / mo | $149.69 / mo | $132.30 / mo | $136.36 / mo |
| 2019 | $348.78 / mo | $203.64 / mo | $190.53 / mo | $164.09 / mo | $119.54 / mo | $149.82 / mo |
| 2018 | $297.15 / mo | $163.23 / mo | $130.02 / mo | $146.73 / mo | $101.44 / mo | $139.14 / mo |
| 2017 | $239.89 / mo | $224.08 / mo | $137.62 / mo | $111.66 / mo | $133.99 / mo | $144.10 / mo |
| 2016 | $199.75 / mo | $162.80 / mo | $177.90 / mo | $141.01 / mo | $114.78 / mo | $117.53 / mo |
| 2015 | $294.42 / mo | $189.11 / mo | $147.37 / mo | $128.46 / mo | $121.22 / mo | $110.97 / mo |
| 2014 | $224.08 / mo | $169.54 / mo | $127.61 / mo | $118.69 / mo | $110.19 / mo | $105.18 / mo |
| 2013 | $278.87 / mo | $152.33 / mo | $126.70 / mo | $134.64 / mo | $109.79 / mo | $102.66 / mo |
| 2012 | $212.49 / mo | $174.28 / mo | $133.31 / mo | $114.40 / mo | $88.57 / mo | $111.79 / mo |
| 2011 | $215.52 / mo | $153.79 / mo | $112.85 / mo | $119.21 / mo | $100.34 / mo | $105.67 / mo |
| 2010 | $210.09 / mo | $181.98 / mo | $132.53 / mo | $131.95 / mo | $103.15 / mo | $93.87 / mo |
2024 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $670.00 / year |
| AssuranceAmerica | $1,101.00 / year |
| USAA | $1,555.00 / year |
| Mercury | $2,025.00 / year |
| California Capital | $2,147.00 / year |
| Dairyland Auto | $2,236.00 / year |
| Unitrin | $2,272.00 / year |
| 21st Century | $2,284.00 / year |
| Nationwide | $2,324.00 / year |
| Esurance | $2,335.00 / year |
2024 Mini Cooper Insurance
Average Cost to Insure
$1,590.73 / year
Cheapest Rate
$670.00 / year Safeco
Available Trims
S 4dr HATCHBACK (4cyl)
2023 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Victoria | $339.00 / year |
| New York Central Mutual Fire | $1,064.00 / year |
| Erie | $1,085.00 / year |
| Nationwide | $1,411.00 / year |
| Travelers | $1,460.00 / year |
| Auto-Owners Insurance Co | $1,551.00 / year |
| American Independent Ins Co | $1,554.00 / year |
| Plymouth Rock Assurance | $1,586.00 / year |
| Liberty Mutual | $1,682.00 / year |
| Atlantic States Insurance | $1,706.00 / year |
2023 Mini Cooper Insurance
Average Cost to Insure
$1,448.03 / year
Cheapest Rate
$339.00 / year Victoria
Available Trims
S 4dr HATCHBACK (4cyl)
2022 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $480.00 / year |
| Mercury Insurance | $534.00 / year |
| Buckeye Insurance Group | $820.00 / year |
| United Farm Bureau of IN Group | $824.00 / year |
| Victoria | $902.00 / year |
| Western Reserve | $904.00 / year |
| Virginia Farm Bureau | $906.00 / year |
| Kemper Auto | Infinity | $928.00 / year |
| Texas Farm Bureau Group | $1,004.00 / year |
| SECURA Insurance | $1,192.00 / year |
2022 Mini Cooper Insurance
Average Cost to Insure
$746.57 / year
Cheapest Rate
$480.00 / year American National P
Available Trims
S 4dr HATCHBACK (4cyl)
2021 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Victoria | $309.00 / year |
| Clearcover | $654.00 / year |
| Titan | $717.00 / year |
| Concord Group | $799.00 / year |
| Countryway Insurance | $830.00 / year |
| Texas Farm Bureau Group | $886.00 / year |
| Capital Insurance Group | $1,092.00 / year |
| North Carolina Farm Bureau | $1,113.00 / year |
| New Jersey Manufacturers | $1,188.00 / year |
| Atlantic States Insurance | $1,202.00 / year |
2021 Mini Cooper Insurance
Average Cost to Insure
$1,091.47 / year
Cheapest Rate
$309.00 / year Victoria
Available Trims
S 4dr HATCHBACK (4cyl)
2020 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $474.00 / year |
| Mercury Insurance | $553.00 / year |
| SAFECO | $833.00 / year |
| West Bend Mutual | $908.00 / year |
| Texas Farm Bureau Group | $912.00 / year |
| Wolverine Mutual | $912.00 / year |
| Clearcover | $1,075.00 / year |
| Virginia Farm Bureau | $1,087.00 / year |
| Titan | $1,110.00 / year |
| Pekin Insurance | $1,132.00 / year |
2020 Mini Cooper Insurance
Average Cost to Insure
$932.63 / year
Cheapest Rate
$474.00 / year American National P
Available Trims
S 4dr HATCHBACK (4cyl)
2019 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $416.00 / year |
| Buckeye Insurance Group | $633.00 / year |
| American National P&C | $642.00 / year |
| SAFECO | $679.00 / year |
| Concord Group | $715.00 / year |
| MMG Insurance Company | $787.00 / year |
| Western Reserve | $822.00 / year |
| Hastings Mutual Insurance Co | $965.00 / year |
| North Carolina Farm Bureau | $993.00 / year |
| Jupiter Auto Insurance | $1,034.00 / year |
2019 Mini Cooper Insurance
Average Cost to Insure
$605.70 / year
Cheapest Rate
$416.00 / year American National P
Available Trims
S 4dr HATCHBACK (4cyl)
2018 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $452.00 / year |
| SAFECO | $540.00 / year |
| Mercury Insurance | $579.00 / year |
| Kemper Auto | Infinity | $665.00 / year |
| Partners Mutual Insurance Co | $698.00 / year |
| Rural Mutual Insurance | $735.00 / year |
| West Bend Mutual | $777.00 / year |
| General Casualty | $806.00 / year |
| Virginia Farm Bureau | $850.00 / year |
| American National P&C | $950.00 / year |
2018 Mini Cooper Insurance
Average Cost to Insure
$548.00 / year
Cheapest Rate
$452.00 / year American National P
Available Trims
S 4dr HATCHBACK (4cyl)
2017 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SAFECO | $220.00 / year |
| Mercury Insurance | $396.00 / year |
| American National P | $521.00 / year |
| NatGen PPA | $769.00 / year |
| IMT Insurance Company | $782.00 / year |
| Buckeye Insurance Group | $827.00 / year |
| National General Value | $895.00 / year |
| Infinity Special | $949.00 / year |
| PEMCO | $963.00 / year |
| Indiana Farmers Mutual Ins | $1,010.00 / year |
2017 Mini Cooper Insurance
Average Cost to Insure
$496.63 / year
Cheapest Rate
$220.00 / year SAFECO
Available Trims
S 4dr HATCHBACK (4cyl)
2016 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $137.00 / year |
| Infinity Special | $237.00 / year |
| SAFECO | $328.00 / year |
| Mercury Insurance | $387.00 / year |
| American National P&C | $458.00 / year |
| American National P | $675.00 / year |
| Buckeye Insurance Group | $725.00 / year |
| Countryway Insurance | $792.00 / year |
| Concord Group | $812.00 / year |
| Kemper Auto Premier | $823.00 / year |
2016 Mini Cooper Insurance
Average Cost to Insure
$563.00 / year
Cheapest Rate
$137.00 / year Jupiter Auto Insurance
Available Trims
S 4dr HATCHBACK (4cyl)
2015 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $400.00 / year |
| American National P&C | $576.00 / year |
| Kemper Auto Premium | $578.00 / year |
| American National P | $636.00 / year |
| SAFECO | $778.00 / year |
| Clearcover | $853.00 / year |
| Partners Mutual Insurance Co | $861.00 / year |
| North Carolina Farm Bureau | $878.00 / year |
| Pekin Insurance | $883.00 / year |
| PEMCO | $885.00 / year |
2015 Mini Cooper Insurance
Average Cost to Insure
$517.07 / year
Cheapest Rate
$400.00 / year Mercury Insurance
Available Trims
S 4dr HATCHBACK (4cyl)
2014 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $405.00 / year |
| SAFECO | $427.00 / year |
| American National P | $554.00 / year |
| American National P&C | $589.00 / year |
| National General Value | $605.00 / year |
| Virginia Farm Bureau | $717.00 / year |
| Pekin Insurance | $735.00 / year |
| Concord Group | $745.00 / year |
| North Carolina Farm Bureau | $764.00 / year |
| SECURA Insurance | $914.00 / year |
2014 Mini Cooper Insurance
Average Cost to Insure
$338.47 / year
Cheapest Rate
$405.00 / year Mercury Insurance
Available Trims
S 2dr HATCHBACK (4cyl)
2013 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto | Infinity | $206.00 / year |
| National General RAD | $376.00 / year |
| American National P&C | $386.00 / year |
| SAFECO | $409.00 / year |
| Kemper Auto Premier | $471.00 / year |
| American National P | $511.00 / year |
| Concord Group | $573.00 / year |
| MMG Insurance Company | $585.00 / year |
| Mercury Insurance | $598.00 / year |
| Commerce Group Inc | $693.00 / year |
2013 Mini Cooper Insurance
Average Cost to Insure
$450.40 / year
Cheapest Rate
$206.00 / year Kemper Auto | Infinity
Available Trims
S 2dr HATCHBACK (4cyl)
2012 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $197.00 / year |
| SAFECO | $325.00 / year |
| Kemper Auto | Infinity | $502.00 / year |
| American National P | $538.00 / year |
| Mercury Insurance Company | $562.00 / year |
| Western Reserve | $626.00 / year |
| Concord Group | $660.00 / year |
| Buckeye Insurance Group | $735.00 / year |
| MMG Insurance Company | $753.00 / year |
| Mercury Insurance | $795.00 / year |
2012 Mini Cooper Insurance
Average Cost to Insure
$486.30 / year
Cheapest Rate
$197.00 / year Jupiter Auto Insurance
Available Trims
S 2dr HATCHBACK (4cyl)
2011 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Plymouth Rock | $174.00 / year |
| Kemper Auto | Infinity | $356.00 / year |
| American National P | $391.00 / year |
| SAFECO | $551.00 / year |
| Union Mutual Fire Group | $694.00 / year |
| Concord Group | $697.00 / year |
| AssuranceAmerica Economy | $724.00 / year |
| Indiana Farmers Mutual Ins | $800.00 / year |
| Virginia Farm Bureau | $820.00 / year |
| Utica National Ins Group | $829.00 / year |
2011 Mini Cooper Insurance
Average Cost to Insure
$447.03 / year
Cheapest Rate
$174.00 / year Plymouth Rock
Available Trims
S 2dr HATCHBACK (4cyl)
2010 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SAFECO | $89.00 / year |
| NatGen Custom 360 | $347.00 / year |
| American National P | $450.00 / year |
| Dairyland FR Bond | $482.00 / year |
| Buckeye Insurance Group | $496.00 / year |
| Concord Group | $518.00 / year |
| NatGen PPA | $576.00 / year |
| MMG Insurance Company | $596.00 / year |
| Rural Mutual Insurance | $602.00 / year |
| Western Reserve | $613.00 / year |
2010 Mini Cooper Insurance
Average Cost to Insure
$516.73 / year
Cheapest Rate
$89.00 / year SAFECO
Available Trims
S 2dr HATCHBACK (4cyl)
Compare Cooper to other Mini Models
Wondering how the Cooper compares to other Mini Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
