Mini car insurance rates

Mini Clubman

Mini Cooper

Mini Cooper 4-door

Mini Convertible

Mini Countryman

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. Filter car insurance companies by your state to get a quote.

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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Mini insurance cost factors

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.

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

Pros and cons of insuring a Mini

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.

Are there any standout Mini car models?

You’ll always enjoy driving a John Cooper Works trim of any Mini model. JCW is designed for the fun of extreme driving with Mini’s motorsport heritage in mind. Choosing this high-end trim package typically features a turbocharged engine. To up the British charm even more, you can add the Union Jack flag to the tail lights, roof, clutch and more.

What’s the Mini 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.

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.

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.

Frequently asked questions about Mini

• How did you get these rates?

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2018 Mini Cooper 4-Door
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

• Which company owns Mini?

  Mini is part of the BMW Group.

• What car-related factors affect the cost of insurance?

  A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the cost of car insurance.

• Are Mini cars safe?

  Yes, Minis do well in safety tests.

• How much will a new Mini cost me?

  Mini’s most basic 2019 models start at around $22,000 and go upwards of $37,000 if you opt for its fuel-efficient hybrid Countryman. You can learn more about financing a Mini with our guide.

  Or read our review of Mini Financial Services if you’re thinking of going directly through an authorized dealership.