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MINI Insurance Rates

What to expect when insuring a MINI

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Average insurance cost for a MINI

The average insurance cost of a MINI is around $200 a month. But your exact cost will be determined by many factors, including your driving history, your location, the amount of miles you drive your car and other factors.

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How a vehicle from MINI affects insurance costs

Insurance companies look at a car’s safety ratings, its likelihood of being stolen and how costly it is to replace or repair, among other factors, when determining the cost of insurance.

Despite a MINI’s diminutive size, it does surprising well in safety tests, which helps to bring down the cost of insuring one. It’s also not too costly to repair or replace, another positive for the cost of insurance. However, there are less expensive cars of the same size out there.

Pros and cons of insuring a MINI


  • Not commonly targeted by thieves
  • Good safety features


  • Depending on the trim package you select, some models can exceed $40,000.

About the MINI brand

MINI can trace its roots back to 1957, when the Morris Company set out to build a “small, fuel-efficient car capable of carrying four adults, within economic reach of just about everyone.” Two years later the first MINI was launched. The British public embraced the MINI, and it quickly became a cultural phenomenon.

In 1999, the new concept MINI was introduced in the US, the version seen on our roads and highways today. The MINI went on to win the 2003 North American Car of the Year Award, along with the hearts’ of American enthusiasts across the country.

MINI car facts

  • MINI is the second most produced car in Britain.
  • In 2012, the record amount of people that could fit in a MINI car was set at 28, according to Guinness World Records.
  • MINI cars have been around since 1959, but the British company was founded in 1969.

What’s the Car & Ride Sharing Lease?

MINI’s Car & Ride Sharing Lease is an upgrade to a traditional lease that allows you to use your leased MINI to earn money by driving passengers or even renting out your car. This new program is only available from a select few MINI dealers, mostly in California. If you are already currently leasing a MINI, you can easily upgrade your lease to start earning while you drive.

Bottom line

Insuring your MINI won’t be too costly, especially because of its better-than-average safety ratings. But be sure to shop around to find the best car insurance for you.

Companies that provide coverage for MINI

With the US public’s desire to own this unique car, you’ll find that most insurance providers will cover your MINI.

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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Frequently asked questions about MINI

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