Mini Countryman SE car insurance rates |

Mini Countryman SE car insurance rates

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Mini Cooper SE Countryman car insurance rates

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.

Mini Countryman SE 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

Compare insurance for your Mini Cooper Countryman SE

Name Product Roadside assistance New car protection Available states
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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.
Yes, cars under 1 year old & 15,000 miles
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 AZ, CA, IL, NJ, OR, PA, VA and WA.
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.
Included free
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.
Included free
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.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Not specified
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Connects high-risk drivers to providers in its network offering affordable policies
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

How to compare insurance for the Mini Cooper Countryman SE

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.

What factors affect car insurance for the Mini Cooper Countryman SE

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.

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 Countryman SE 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

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

Our top pick:

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Car insurance through Liberty Mutual will give coverage options for almost any situation.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location

Reliability and safety ratings for the Mini Cooper Countryman SE

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 Countryman SE 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.

Bottom line

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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Frequently asked questions about the Mini Cooper Countryman SE

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Gabrielle Pastorek

Gabrielle Pastorek is a writer at, regularly researching and creating shopping and finance reviews, as well as car and home loan comparisons. She holds an MFA from the University of Pittsburgh, and her essays and short stories can be found in The Collagist, Blue Monday Review, Blotterature and others. When she’s not writing, Gabrielle can be found out in the barn with her horse, Lucy.

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