mini insurance rates

Mini car insurance rates

What to expect when insuring a Mini, and the insurers that could cover you.

It’s a legendary car that swept Britain off its dancing feet in the swinging ’60s yet the updated Mini is still as popular as ever. The Mini hatchback still managed to sit firmly in the UK’s top 10 best-selling cars list of 2017. Mini has gone from a small, budget-friendly car to a far more upmarket and stylish classic. So if you’re after one of these iconic cars, then read on to see how much it could cost to insure.

What’s the average insurance cost for a Mini?

The average insurance cost of a Mini varies depending on the model you choose, your location, your driving history and many other factors. But expect to pay a higher premium for one of Mini’s more stylish and luxurious models.

Using a specific profile, we ran quotes to find the average insurance cost of a Mini One, one of the UK’s most popular models, and found it to be £715 a year or £65 a month. This is for fully comprehensive cover and no optional extras. Your actual cost could be more or less depending on the model you choose, your age, driving record and location, the number of miles you drive in a year as well as other factors.

Some of the other variables that affect the price of insurance include your the year, model and trim package of your Mini, how likely it is of being stolen and how costly it is to repair or replace.

How a vehicle from Mini affects insurance costs

Insurance companies look at a car’s safety ratings, its likelihood of being stolen and how costly it is to replace or repair, among other factors, when deterMining the cost of insurance.

Despite a Mini’s diminutive size, it does surprising well in safety tests, which helps to bring down the cost of insuring one. It’s also not too costly to repair or replace, another positive for the cost of insurance. However, there are less expensive cars of the same size out there.

Are there any standout models?

The Mini John Cooper Works GP Concept model is all about the fun of extreme driving, and has been designed with Mini’s motorsport heritage in mind. The current model has a four-cylinder 2.0-litre turbo petrol engine with 227bhp, which reaches 0-62mph in just over six seconds. It boasts 19-inch alloy wheels and there’s a cheerful nod to the car’s British origins with the LED rear lights displaying part of the Union Jack.

Pros and cons of a Mini


  • Good safety features
  • Reasonable to repair


  • Some models are targeted more by criminals

Mini car facts

  • The first version of the Mini stayed almost unchanged for four decades. Production of this Mini stopped in 2000.
  • Although production of the classical Mini Copper ended, the new generation of Mini cars has retained some of the traditional styling and much of its charm.
  • In 2012, the record amount of people that could fit in a Mini car was set at 28, according to Guinness World Records.
  • An a division of BMW, Mini has its own model range, including the Mini Convertible, starting at around £20,000, the Mini Clubman, priced around the same figure, and the Mini Countryman, for around £24,000.

What is Mini Connected?

Mini Connected is an infotainment system and free app that bring together navigation, security and connectivity. Features include remotely locking your window or doors, or finding petrol stations or car parks on a journey.

Bottom line

Insuring your Mini won’t be too costly, especially because of its better-than-average safety ratings. But be sure to shop around to find the best car insurance for you.

Other car brands you might want to see rates for include:

Frequently asked questions about Mini

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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