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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 | $218.11 / 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 | $173.63 / mo |
| 2022 | $264.62 / mo | $241.87 / mo | $272.00 / mo | $145.41 / mo | $150.30 / mo | $163.81 / mo |
| 2021 | N/A | $217.14 / mo | $187.86 / mo | $307.85 / mo | $115.06 / mo | $132.15 / mo |
| 2020 | N/A | $203.55 / mo | $206.38 / mo | $148.33 / mo | $136.84 / mo | $156.56 / mo |
| 2019 | N/A | $221.06 / mo | $221.17 / mo | $273.44 / mo | $151.41 / mo | $184.43 / mo |
| 2018 | $268.87 / mo | $211.79 / mo | $176.76 / mo | $206.76 / mo | $120.43 / mo | $127.78 / mo |
| 2017 | $239.89 / mo | $250.43 / mo | $124.82 / mo | $129.73 / mo | $186.69 / mo | $205.89 / mo |
| 2016 | $283.58 / mo | $182.88 / mo | $285.52 / mo | $155.16 / mo | $129.85 / mo | $112.81 / mo |
| 2015 | N/A | $232.37 / mo | $179.98 / mo | $140.94 / mo | $159.13 / mo | $132.95 / mo |
| 2014 | $209.51 / mo | $200.49 / mo | $145.67 / mo | $169.71 / mo | $105.63 / mo | $116.31 / mo |
| 2013 | $391.83 / mo | $164.81 / mo | $141.15 / mo | $161.10 / mo | $131.94 / mo | $119.76 / mo |
| 2012 | N/A | $212.38 / mo | $198.90 / mo | $133.82 / mo | $112.10 / mo | $156.82 / mo |
| 2011 | $282.89 / mo | $171.43 / mo | $106.49 / mo | $121.36 / mo | $122.46 / mo | $110.16 / mo |
| 2010 | $188.46 / mo | $168.83 / mo | $119.05 / mo | $179.66 / mo | $105.95 / mo | $89.80 / mo |
2024 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $670.00 / year |
| AssuranceAmerica | $1,101.00 / year |
| USAA | $1,550.00 / year |
| Mercury | $2,010.00 / year |
| California Capital | $2,186.00 / year |
| Dairyland Auto | $2,236.00 / year |
| 21st Century | $2,284.00 / year |
| Unitrin | $2,292.00 / year |
| Nationwide | $2,344.00 / year |
| State Farm | $2,470.00 / year |
2024 Mini Cooper Insurance
Average Cost to Insure
$1,588.83 / 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 |
| New York Central Mutual Fire | $1,064.00 / year |
| Erie | $1,105.00 / year |
| Nationwide | $1,500.00 / year |
| Travelers | $1,518.00 / year |
| Plymouth Rock Assurance | $1,586.00 / year |
| Liberty Mutual | $1,682.00 / year |
| USAA | $1,701.00 / year |
| Mercury | $2,024.00 / year |
| National General Value | $2,049.00 / year |
| Kemper Auto | Infinity | $2,054.00 / year |
2023 Mini Cooper Insurance
Average Cost to Insure
$1,665.57 / year
Cheapest Rate
$1,064.00 / year New York Central Mutual Fire
Available Trims
S 4dr HATCHBACK (4cyl)
2022 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $534.00 / year |
| Safeco | $574.00 / year |
| Pekin Insurance | $636.00 / year |
| Western Reserve | $714.00 / year |
| Buckeye Insurance Group | $797.00 / year |
| United Farm Bureau of IN Group | $824.00 / year |
| Virginia Farm Bureau | $906.00 / year |
| Kemper Auto | Infinity | $928.00 / year |
| Capital Insurance Group | $1,035.00 / year |
| Texas Farm Bureau Group | $1,102.00 / year |
2022 Mini Cooper Insurance
Average Cost to Insure
$761.57 / year
Cheapest Rate
$534.00 / year Mercury Insurance
Available Trims
S 4dr HATCHBACK (4cyl)
2021 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Concord Group | $618.00 / year |
| Countryway Insurance | $830.00 / year |
| Capital Insurance Group | $1,092.00 / year |
| Country | $1,116.00 / year |
| MMG Insurance Company | $1,281.00 / year |
| Auto-Owners Insurance Co | $1,335.00 / year |
| Patriot Group | $1,605.00 / year |
| Safeco | $1,791.00 / year |
| Mercury Insurance | $1,833.00 / year |
| 21st Century | $1,899.00 / year |
2021 Mini Cooper Insurance
Average Cost to Insure
$1,939.20 / year
Cheapest Rate
$618.00 / year Concord Group
Available Trims
S 4dr HATCHBACK (4cyl)
2020 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $474.00 / year |
| Safeco | $694.00 / year |
| Virginia Farm Bureau | $906.00 / year |
| New Jersey Manufacturers | $1,164.00 / year |
| Direct Auto | $1,267.00 / year |
| North Carolina Farm Bureau | $1,272.00 / year |
| NatGen PPA | $1,294.00 / year |
| Southern Farm Bureau | $1,309.00 / year |
| USAA | $1,365.00 / year |
| Mercury Insurance Company | $1,409.00 / year |
2020 Mini Cooper Insurance
Average Cost to Insure
$1,169.20 / 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 |
| Safeco | $192.00 / year |
| Hastings Mutual Insurance Co | $480.00 / year |
| Buckeye Insurance Group | $633.00 / year |
| MMG Insurance Company | $720.00 / year |
| Virginia Farm Bureau | $770.00 / year |
| Concord Group | $783.00 / year |
| Western Reserve | $822.00 / year |
| PEMCO | $923.00 / year |
| Texas Farm Bureau Group | $980.00 / year |
| Commerce Group Inc | $990.00 / year |
2019 Mini Cooper Insurance
Average Cost to Insure
$498.53 / year
Cheapest Rate
$192.00 / year Safeco
Available Trims
S 4dr HATCHBACK (4cyl)
2018 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $202.00 / year |
| American National P | $399.00 / year |
| Kemper Auto | Infinity | $544.00 / year |
| Pekin Insurance | $558.00 / year |
| Clearcover | $657.00 / year |
| Virginia Farm Bureau | $850.00 / year |
| Indiana Farmers Mutual Ins | $861.00 / year |
| Infinity Special | $898.00 / year |
| PEMCO | $953.00 / year |
| IMT Insurance Company | $1,014.00 / year |
2018 Mini Cooper Insurance
Average Cost to Insure
$569.87 / year
Cheapest Rate
$202.00 / year Safeco
Available Trims
S 4dr HATCHBACK (4cyl)
2017 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $117.00 / year |
| Mercury Insurance | $284.00 / year |
| Infinity Special | $676.00 / year |
| NatGen PPA | $769.00 / year |
| Buckeye Insurance Group | $784.00 / year |
| Virginia Farm Bureau | $815.00 / year |
| Utica National Ins Group | $878.00 / year |
| National General Value | $895.00 / year |
| PEMCO | $965.00 / year |
| North Carolina Farm Bureau | $1,022.00 / year |
2017 Mini Cooper Insurance
Average Cost to Insure
$498.70 / year
Cheapest Rate
$117.00 / year Safeco
Available Trims
S 4dr HATCHBACK (4cyl)
2016 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $30.00 / year |
| Infinity Special | $135.00 / year |
| Mercury Insurance | $454.00 / year |
| Pekin Insurance | $740.00 / year |
| Rural Mutual Insurance | $759.00 / year |
| West Bend Mutual | $797.00 / year |
| Auto Club Group | $810.00 / year |
| Mercury Insurance Company | $844.00 / year |
| Rockford Mutual Insurance | $873.00 / year |
| Clearcover | $925.00 / year |
2016 Mini Cooper Insurance
Average Cost to Insure
$748.83 / year
Cheapest Rate
$30.00 / year Safeco
Available Trims
S 4dr HATCHBACK (4cyl)
2015 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $178.00 / year |
| Safeco | $404.00 / year |
| Pekin Insurance | $578.00 / year |
| SafeAuto | $603.00 / year |
| Buckeye Insurance Group | $636.00 / year |
| American National P | $768.00 / year |
| North Carolina Farm Bureau | $774.00 / year |
| PEMCO | $871.00 / year |
| Mercury Insurance Company | $906.00 / year |
| New Jersey Manufacturers | $908.00 / year |
2015 Mini Cooper Insurance
Average Cost to Insure
$499.30 / year
Cheapest Rate
$178.00 / year Mercury Insurance
Available Trims
S 4dr HATCHBACK (4cyl)
2014 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $380.00 / year |
| Mercury Insurance | $405.00 / year |
| National General Value | $605.00 / year |
| Pekin Insurance | $690.00 / year |
| Virginia Farm Bureau | $717.00 / year |
| North Carolina Farm Bureau | $729.00 / year |
| Rockford Mutual Insurance | $914.00 / year |
| Texas Farm Bureau Group | $922.00 / year |
| New Jersey Manufacturers | $973.00 / year |
| SECURA Insurance | $988.00 / year |
2014 Mini Cooper Insurance
Average Cost to Insure
$421.17 / year
Cheapest Rate
$380.00 / year Safeco
Available Trims
S 2dr HATCHBACK (4cyl)
2013 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $68.00 / year |
| Kemper Auto | Infinity | $219.00 / year |
| American National P | $363.00 / year |
| National General RAD | $376.00 / year |
| Pekin Insurance | $542.00 / year |
| Concord Group | $573.00 / year |
| MMG Insurance Company | $585.00 / year |
| Mercury Insurance | $625.00 / year |
| Commerce Group Inc | $693.00 / year |
| Virginia Farm Bureau | $749.00 / year |
2013 Mini Cooper Insurance
Average Cost to Insure
$523.27 / year
Cheapest Rate
$68.00 / year Safeco
Available Trims
S 2dr HATCHBACK (4cyl)
2012 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $156.00 / year |
| American National P | $407.00 / year |
| Kemper Auto | Infinity | $549.00 / year |
| Western Reserve | $626.00 / year |
| PEMCO | $629.00 / year |
| SafeAuto | $642.00 / year |
| Concord Group | $660.00 / year |
| Buckeye Insurance Group | $735.00 / year |
| MMG Insurance Company | $753.00 / year |
| Mercury Insurance | $773.00 / year |
2012 Mini Cooper Insurance
Average Cost to Insure
$477.40 / year
Cheapest Rate
$156.00 / year Safeco
Available Trims
S 2dr HATCHBACK (4cyl)
2011 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $166.00 / year |
| Plymouth Rock | $174.00 / year |
| American National P | $378.00 / year |
| Buckeye Insurance Group | $601.00 / year |
| Clearcover | $672.00 / year |
| AssuranceAmerica Economy | $724.00 / year |
| Infinity Special | $762.00 / year |
| SECURA Insurance | $789.00 / year |
| Mercury Insurance Company | $797.00 / year |
| Western Reserve | $810.00 / year |
2011 Mini Cooper Insurance
Average Cost to Insure
$433.97 / year
Cheapest Rate
$166.00 / year Safeco
Available Trims
S 2dr HATCHBACK (4cyl)
2010 Mini Cooper Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $29.00 / year |
| Mercury Insurance | $264.00 / year |
| NatGen Custom 360 | $347.00 / year |
| Buckeye Insurance Group | $470.00 / year |
| American National P | $478.00 / year |
| Dairyland FR Bond | $482.00 / year |
| NatGen PPA | $576.00 / year |
| Atlantic States Insurance | $588.00 / year |
| Rural Mutual Insurance | $602.00 / year |
| Western Reserve | $633.00 / year |
2010 Mini Cooper Insurance
Average Cost to Insure
$648.30 / year
Cheapest Rate
$29.00 / 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.
