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.

Compare Mini car insurance quotes

Your information is secure.

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.

Companies that provide cover for Mini

You’ll find that most insurance providers will cover your Mini.

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Young driver insurance
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy (T&Cs apply)
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Personal accident cover up to £5000.
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
Cover up to £10,000 per accidentand £2,500 per person.
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

Compare up to 4 providers

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:

Compare Mini car insurance quotes

Your information is secure.

Frequently asked questions about Mini

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site