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Mini car insurance rates

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Mini Clubman

Mini Cooper 4-door

Mini Convertible

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.

ModelMonthly insurance rateBase car price
Mini Cooper$227$20,950
Mini Cooper 4-door$140$23,450
Mini Clubman$132$26,000
Mini Convertible$108$22,500
Mini Countryman$140$26,600
Mini Countryman SE$130$33,441
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
loan/lease coverage
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
All 50 states
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
Quinstreet -
Quinstreet -
Depends on provider
Depends on provider
Depends on provider
All 50 states

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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


  • 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.

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

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