What to expect when insuring this high-performance hybrid.
According to our research, the average cost to insure a Mini Countryman SE is about $130 a month or $1,560 a year. Insuring your electric Countryman is around $10 cheaper than going with the standard Countryman. Your actual cost will vary depending on your driving record, the number of miles you drive in a year and other factors.
How to compare insurance for the Mini Cooper SE Countryman
When comparing insurance options for your Mini Countryman SE hybrid, consider these factors:
- Price. Compare the insurance quotes from each company, including the coverage options and price. You might find that one company offers a better value, even though the price might be slightly higher.
- Deductible. Only take a higher deductible if you know you’ll have enough cash to cover you if you need to file a claim.
- Minimum coverage. Make sure the insurance policy you’re pricing out meets the minimum car insurance requirements for your state.
- Manufacturer offer. If your Mini Cooper SE Countryman is still under warranty, you’ll get free 24-hour roadside assistance from Mini, so you might not have to add this coverage to your insurance policy.
- Check for hybrid discounts. Some insurance companies offer special discounts for folks who drive hybrid cars.
- Uninsured or underinsured motorist (UM/UIM) coverage. Smaller cars like your Mini Cooper SE Countryman often sustain more damage than larger vehicles when in an accident. And if the person who hits you doesn’t have the coverage to pay for your damage, you’re on the hook for the repairs. You may want to consider adding UM/UIM coverage to your policy for peace of mind.
Best insurance providers for the Mini Cooper SE Countryman
What factors affect car insurance for the Mini Cooper SE Countryman
Even though they cost a little more to purchase than their non-hybrid counterpart, the Mini Cooper SE Countryman electric hybrid is just a bit cheaper to insure. Since many insurance companies offer a discount for hybrid cars, you could end up getting a better rate if you go eco-friendly.
Mini Countryman SE insurance rates by model
|Model||Monthly insurance rate||Base car price|
|Mini Cooper 4-door||$140||$23,450|
|Mini Countryman SE||$130||$33,441|
Driver factors that affect insurance rates
Beyond the make and model of your vehicle, other factors like your age, marital status, location, credit score and accident history can also affect your car insurance rates.
In all states except Massachusetts, Hawaii and North Carolina, providers can take your gender into consideration when determining your insurance rate. Since statistics show that women typically take fewer risks when driving than men, they’re often offered lower premiums.
Does the Mini Cooper SE Countryman qualify for discounts?
You could score a lower monthly premium on car insurance for driving a hybrid car, so ask about this special discount when you get a quote.
The Mini Cooper SE Countryman also comes with lots of safety options that could help you save on your car insurance premium, including:
- Brake assist
- Electronic stability control
- Traction control
- Rear-park distance control
- A rearview camera
Reliability and safety ratings for the Mini Cooper SE Countryman
The Mini Cooper SE Countryman hasn’t been officially rated for safety by the National Highway Traffic Safety Administration (NHTSA), but it did receive good overall safety ratings from the Insurance Institute for Highway Safety (IIHS).
Though official reliability ratings aren’t available yet, the electric-only mode might only get you about 12 miles before you’ll need to plug in or switch to gas. And 2017 SE Countryman owners report some problems with reliability, particularly for alignment and other unexpected issues.
Mini Cooper SE Countryman series maintenance
Besides being great for the environment, one of the biggest benefits of owning a hybrid car is less frequent maintenance. Since your Mini Cooper SE Countryman doesn’t always run using your gasoline engine, you shouldn’t have to change the oil as frequently as you would with a gas-only car.
You also don’t have to change your brake pads as often because they usually experience less heat and friction, and therefore typically last longer.
The only downside to hybrid car maintenance is that you’ll probably have to take it to a dealership or qualified mechanic to have any work done, as its electric components make it much different from working on a regular gasoline engine.
You could score tax credits for your Mini SE Countryman
Your Mini Cooper SE Countryman could be eligible for up to $4,000 in federal tax credits. Talk with a tax professional to see how much you could qualify for by driving an eco-friendly car.
If you’re torn between purchasing the Mini Cooper Countryman and its hybrid SE cousin, slightly lower insurance rates and less frequent maintenance are in favor of the hybrid option. But if you’re still not sure which model is right for you or if you want to make sure you’re maximizing your hybrid car discount options, compare car insurance rates from several different companies first.
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