What to expect when insuring your Mini Countryman
According to our research, the average cost to insure a Mini Countryman is about $140 a month, or $1,680 a year. Your actual cost could be more or less, depending on your driving record, the number of miles you drive in a year, your age, your credit score and other factors.
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Our top pick: Liberty Mutual
Car insurance through Liberty Mutual will give coverage options for almost any situation.
- Roadside assistance
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How to compare insurance for the Mini Countryman
When comparing your insurance options for your Mini, consider these factors:
- Price. Cost is usually one of the biggest deciding factors when shopping for insurance. While you want to find the lowest rate, you also want to make sure you’re getting enough coverage in case you need to file a claim.
- Deductible. To help lower your monthly premium, you could take a higher deductible. Just make sure you’re able to cover the amount you have to pay out of pocket if you need to make a claim.
- Minimum coverage. Make sure the insurance policy you’re pricing out meets the minimum car insurance requirements for your state.
- Coverage add-ons. Since the Mini Countryman is a smaller car and prone to more damage if it’s in an accident with a larger SUV or truck, you might want to add extra coverage like uninsured/underinsured motorist and collision coverage. Another add-on to consider is comprehensive coverage, which pays for damages from theft, flooding, hail and more.
- Manufacturer offers or other discounts. If your Mini Countryman is still under warranty, you’ll automatically get free 24-hour roadside assistance from Mini.
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What factors affect car insurance for the Mini Countryman?
Although it might seem like insuring a smaller car like the Mini Countryman would be cheap, insurance companies factor in that smaller cars tend to take the brunt of damages when in a collision. For this reason, you might not see the ultra-low rates you may have thought you’d get.
Typically, cars that cost more to buy cost more to insure. As a mid-range brand, Mini cars might cost more to insure than a Toyota or Honda, and the Countryman isn’t on the cheap end of Mini models.
However, the Mini Countryman comes with a slew of standard safety features that may help you score some discounts on your premium.
Mini Countryman insurance rates by model
| 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 |
Driver factors
Beyond the make and model of your vehicle, other factors that affect your car insurance rates include:
- Your age, gender and marital status
- Your credit score
- Your driving record
- Whether you own your home
- Where you live
- The driving records of other people you put on your policy
Does the Mini Countryman qualify for discounts?
Aside from unlocking a new car discount, the Mini Countryman comes with a number of safety features that could help you save on your car insurance premium, including:
- Air bags
- 4-wheel anti-lock braking system
- 4-wheel disc brakes
- Brake assist
- Electronic stability control
- Daytime running lights
- Traction control
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Reliability and safety ratings for the Mini Countryman
Overall, the Insurance Institute for Highway Safety gives the Mini Countryman a good safety rating, although its headlights received a marginal rating because of limited brightness options.
Like other Minis, the Countryman received a 3 out of 5 star rating for reliability from JD Power, although its official safety ratings from JD Power are not yet available.
Generally speaking, smaller cars like the Countryman tend to do well in crash tests, even though they may sustain more exterior damage than a larger vehicle.
Mini Countryman series maintenance
Even though your Mini Countryman is small compared to lots of other vehicles out there, expect to pay above-average prices for regular maintenance. In many cases, you’ll get a better deal if you have an independent shop work on your Mini, rather than going to the dealership.
- An oil change for your Mini Countryman could cost you around $100.
- The average cost of a brake pad replacement for a Mini Countryman is around $190 per axle.
- On average, this vehicle gets 24 mpg in the city and 33 mpg on the highway. For its small size, these numbers aren’t incredibly impressive, but they are better than most SUVs and pickup trucks.
Mini Countryman facts
The Mini Countryman is a hatchback subcompact crossover SUV, meaning it combines the body type of a sedan with the utility of an SUV. Launched in 2010, the Countryman was the first car of this type to be launched by Mini and was received with mixed reviews about whether it was “mini” enough to fit the Mini brand.
Mini cars used to have motors that were co-developed by Chrysler and PSA Peugeot Citroën. But now that Mini has been owned by BMW since 2000, its motors are built by BMW, which could account for its relatively high maintenance costs.
Bottom line
Despite its mini size, the Mini Countryman can be slightly higher than average to insure and maintain. But thanks to its good safety ratings and numerous safety features, you might be able to save a few bucks on your monthly premium by unlocking discounts with your provider.
Your best bet is to compare car insurance rates from different companies to help you find the best mix of value and coverage options for your Mini Countryman.
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Frequently asked questions about the Mini Countryman
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