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Your car insurance premium is a product of your provider, driver profile, where you live, the year of your car and the level of coverage you opt for. The average cost of insuring a Mini Convertible is $108 a month — or $1,297 a year.
This rate is lower than average across all Mini models, which comes to around $200 a month — or $2,400 a year.
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Model | Monthly insurance rate | Base 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 |
One of the biggest benefits of car insurance is its flexibility. You have the freedom to change providers and tweak your policy, coverage levels and extras. When you’re shopping around for insurance for your Mini Convertible, consider these factors:
The rate you’re offered reflects your insurance company, as well as your driving history, where you live, the car you drive and how often you drive it. Providers put their own emphasis on things like mileage and body styling.
For a Mini Convertible, the insurance rate is affected by these factors:
When determining your premium, your provider assesses your driving history and any violations, accidents and claims. If your driving record is free from major traffic violations in the past three to five years, you’ll most likely be rewarded with a cheaper rate.
The carrier will also look at your credit score as well as your nominated drivers. If your car is driven by a teenager or someone with a slew of speeding tickets, that may increase your rate.
Insurance is a game of risk. The riskier you are to insure, the pricier your policy will be. That’s why it’s so important to shop around for the best car insurance policy.
There are plenty of ways to cut down the cost of your premium. Each provider has its own discount program, but typically, you can save 5% to 30% for purchasing a new car equipped with extra safety features.
Driver discounts aside, the Mini Convertible may be eligible for these discounts:
With the Mini Mobility Program, you may qualify for a one-time reimbursement of up to $2,500 if you need adaptive equipment for your car. While it’s not a discount per say, it’s an appealing offer for drivers with disabilities or limitations, and it’s rare for a manufacturer to offer a deal like this.
Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:
The Mini Convertible hasn’t undergone crash testing by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS). However, the nearly identical 2017 model earned an IIHS Top Safety Pick Label for its successful crash tests.
US News awarded the vehicle a score of 8.3 out of 10 in its subcompact cars category. This score reflects reliability data and a range of features, including safety. In addition, the Mini has an above-average predicted reliability score of 3.5 out of 5 from JD Power.
The Convertible is equipped with safety features like a rearview camera and parking sensors, which are standard as of 2018, automatic headlights, airbags and rain-sensing windshield wipers. If you invest in extra safety features, such as automatic parking assist and a head-up display, your insurance provider may slash your premium.
Cars.com praises the car’s acceleration, handling and responsive transmission, but says the windshield may limit the view of overhead stop lights. It also points out that the center armrest gets in the way of using the parking brake lever.
The Mini Convertible has not had any recalls. The NHTSA has recorded one consumer complaint about airbags.
In terms of fuel, the tank size is 11.6 gallons. The average fuel cost is $1,700 per year for the automatic version. That figure is a product of the current fuel prices, as well as 45% highway and 55% city driving over 15,000 annual miles. This means it costs you around $40 to fill the tank. According to Fuel Economy, you can expect to pay $500 more in fuel over five years in comparison to the average new vehicle.
In 1957, the Morris Company set out to build a small, fuel-efficient car that was within “economic reach of just about everyone.” The engineer, Alec Issigonis, was tasked with the design, and his first sketch was on a napkin. Two years later, the first Mini launched. Fast-forward to today, and the US is the Mini’s largest market.
Even though it’s now owned by BMW, the Mini is still staunchly British. The new Mini Convertible has tail lights that light up in the shape of the Union Jack, and you can add this iconic flag to other details of your custom Mini Convertible.
While the Mini Convertible tends to be pricier than its competitors, it’s reasonable to insure thanks to excellent safety features, easy repairs and low theft rates along with Mini’s outstanding warranty and maintenance program.
The Mini Convertible is a good choice for people who want a fun ride without expensive insurance. To get the most value for your money, compare car insurance rates before settling on a provider
Not sold on a Mini Convertible? Compare other cars and convertibles like the Mini Convertible.
Compare car insurance companies near you.
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