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Mini Cooper 4-Door car insurance rates

A sporty yet practical car with top-notch safety ratings and affordable insurance.

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Mini Cooper 4-Door Car

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According to our research, the average cost to insure the Mini Cooper Hardtop 4-Door is around $140 a month — or $1,680 a year. Your exact rate varies depending on factors like your age, gender, location and driving record.

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Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare insurance for your Mini Cooper 4-Door

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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How to compare insurance for the Mini Cooper 4-Door

Consider these factors when shopping for insurance for your Mini Cooper 4-Door.

  • Price. Stick to your monthly insurance budget by looking for the best mix of value and coverage options. This keeps you from paying hefty out-of-pocket costs later.
  • Deductible. A higher deductible usually means a lower monthly payment, but you’re on the hook for the deductible if you’re in a wreck. Base your decision on how much cash you can set aside.
  • Coverage. Your policy should cover at least your states minimum insurance requirements. If you’re still making payments or are leasing your vehicle, adding comprehensive and collision coverage is likely required.
  • Manufacturer offers. Mini offers free 24-hour roadside assistance on all Minis still under warranty.

What factors affect car insurance for the Mini Cooper 4-Door?

The Mini Cooper 4-Door is a midrange sedan and shouldn’t cost you an arm and a leg to insure. Surprisingly, you could pay less to insure the 4-Door Mini Cooper than the smaller 2-Door Mini Cooper. That’s because smaller vehicles usually see more damage in an accident.

If your Mini Cooper 4-Door has an upgraded trim package with all the bells and whistles, your insurance rates might increase slightly based on the price of the vehicle.

Driver factors and insurance costs

Driver factors like your age, gender, location, marital status and driving record also play a role in determining your premium. Drivers who have a clean driving history, for example, usually get a better rate than drivers with several accidents and speeding tickets on their record. Request a copy of your driving record for a small fee from the Department of Motor Vehicles or its equivalent in your state.

Does the Mini Cooper 4-Door qualify for discounts?

Yes, the Mini Cooper 4-Door comes standard with a number of safety features that could land you a discount, including:

  • Airbags
  • Antitheft ignition disable and theft deterrent radio
  • Traction control
  • Rearview camera
  • Rear parking sensors

Special savings with Liberty Mutual

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:

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

Reliability and safety ratings for the Mini Cooper 4-Door

The Mini Cooper 4-Door gets a safety rating of 4 out of 5 stars, based on information from both the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA).

Although JD Power doesn’t provide official reliability ratings for the 4-Door Cooper, similar Mini models get an average 3-star rating in this category.

You can add optional safety features to your trim package like automatic driver assist and directionally adaptive headlights for safer nighttime driving. Let your insurance company know if your Mini has these features and you could score additional savings.

Compare Mini Cooper 4-Door competitors

Looking for other car brands? Compare car makes and models that are similar to the Mini Cooper 4-Door.

Bottom line

The Mini Cooper 4-Door is a roomier option than its famed two-door cousin. Its midrange size and price, coupled with great safety ratings, make this vehicle relatively cheap to insure.

Compare insurance rates from multiple providers to find the best value on coverage that makes sense for your budget and needs.

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Frequently asked questions about the Mini Cooper 4-Door

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