Mini Cooper 4-Door car insurance rates | finder.com
Mini Cooper 4-Door car insurance rates

Mini Cooper 4-Door car insurance rates

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Compare car insurance

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

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

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.

Compare insurance providers that cover the Mini Cooper 4-Door

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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.

Mini Cooper 4-Door insurance rates by model

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

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

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Is manual transmission available in the Mini Cooper 4-Door?

Yes, Mini is committed to keeping stick shifts alive and well in many of its models, including the 4-Door Cooper Hardtop. But if you’re not a fan of driving stick, automatic transmission are available for a little bit extra.

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about the Mini Cooper 4-Door

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site