Car insurance for Mini Coopers

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Since the vast majority of states require auto insurance, you will need to buy a policy when you buy or lease a car, including any MINI Cooper or other MINI. But the vehicle you choose to buy will have a major impact on the amount you pay for auto insurance, so you probably want to know what to expect cost-wise before you choose a MINI and start gathering car insurance quotes.

Because your car itself plays a big role in your insurance rate (along with many other factors), auto insurance companies can roughly predict MINI auto insurance rates. To give you a more precise idea of what you can expect to pay, we looked at the cost of car insurance for MINI Cooper drivers, as well as for those who drive a range of other MINI models. Specifically, we pulled average rates for the:

  • MINI Cooper
  • MINI Clubman
  • MINI Countryman

We compared rates from various auto insurance carriers to give you the best idea of what you can expect to pay based on the MINI model you choose.

Car insurance for MINIs: by model

MINI Car Insurance Average annual full coverage premium
MINI Cooper $1,587
MINI Cooper Clubman $1,623
MINI Cooper Countryman $1,557
MINI Cooper JCW $1,806

Cheapest car insurance companies for MINI Cooper

The MINI Cooper is the model that put MINI on the map, and it has come a long way from the tiny, low-cost car they initially debuted in 1959. Today’s MINI Cooper can come with four doors and a surprisingly roomy interior. Plus, auto insurance for MINI Cooper drivers can be quite affordable. We compared rates from the best car insurance companies to give you an idea of the cost of car insurance for MINI Cooper drivers. While the cheapest annual average premium for full coverage comes from USAA, that company only offers coverage to military members, veterans and their immediate family members. The next cheapest for full coverage – offering insurance to everyone – is Amica, while Erie is the most expensive car insurance for a MINI Cooper.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $306 $1,064
Geico $330 $1,333
State Farm $438 $1,315
Erie $430 $1,539
Amica $379 $1,314

Cheapest car insurance companies for MINI Clubman

The MINI Clubman takes the Cooper’s features up a notch, delivering a more refined interior cabin that offers drivers the latest tech and high-end finishes, along with its signature split rear doors. For these more premium finishes, you pay a little bit more for insurance for MINI Cooper Clubman models — but still significantly less than coverage for most luxury cars. Once again, USAA offers the cheapest annual full coverage rates – but for those who do not qualify for USAA’s coverage, Erie is the cheapest option of the companies listed.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $323 $1,180
Geico $330 $1,152
State Farm $467 $1,372
Erie $430 $1,319
Amica $367 $1,338

Cheapest car insurance companies for MINI Countryman

You might think that MINIs and cargo space are mutually exclusive, but the Countryman sets out to change that. It delivers more cargo space and headroom than other MINI models, while still costing less to insure than the MINI Clubman or JCW models. USAA is beat out by Geico this time for cheapest annual full coverage premium while State Farm offers the most expensive coverage of our listed companies.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $326 $1,156
Geico $329 $1,110
State Farm $450 $1,372
Erie $386 $1,325
Amica $379 $1,272

Cheapest car insurance companies for MINI JCW

If you want the power and performance of a sports car without the potentially hefty insurance costs, the MINI JCW (short for John Cooper Works) could be for you. This model is a nod to MINI’s racing history and current models deliver a 228-horsepower turbocharged engine and aero body kit. USAA once again tops our cheapest list for those who qualify, with the cheapest coverage after that being offered by Amica.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $306 $1,190
Geico $330 $1,463
State Farm $450 $1,574
Erie $364 $1,451
Amica $367 $1,433

Other car insurance coverage for MINI Cooper

If you already drive a MINI and you pay more for your insurance than the rates we outlined, you might want to get quotes from other companies. Making the switch to a new insurance provider can be easier than you might think.

If you plan to buy a MINI, you have the option to drive it with just the state-required insurance in place, but that usually only protects other drivers against damage you cause. There are a few other coverages you might want to consider, including:

  • Collision coverage to pay for repairs to your MINI if you cause an accident or back into something.
  • Comprehensive coverage to pay for a replacement vehicle if your MINI gets stolen, or to cover the cost of vandalism or a tree branch that falls on your car (basically, any non-driving related loss).
  • Uninsured/underinsured motorist coverage in case another driver who hits your MINI does not have sufficient coverage for the repairs — or any coverage at all.

These are just a few examples. To make sure you have the protection you need on the road, explore all of your coverage options. Then, rather than forgoing a coverage you think you might need, get quotes from companies that offer cheap car insurance and take steps to lower your premiums.

The latter could include driving safely, taking public transport or biking so you drive fewer miles annually or adding anti-theft features to your MINI. Ultimately, a lot goes into the rates car insurance companies offer you. By controlling what you can and getting multiple quotes, you can get the best possible price for car insurance for MINI Cooper models or any other ride from the MINI family.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Mini Cooper of the following models, commute five days a week and drive 12,000 miles annually:

  • Mini Cooper
  • Mini Cooper Clubman
  • Mini Cooper Countryman
  • Mini Cooper JCW

These are sample rates and should only be used for comparative purposes.

Written by
Kacie Goff
Personal Finance Contributor
Kacie Goff is a personal finance and insurance writer with over seven years of experience covering personal and commercial coverage options. She writes for Bankrate, The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and more. She's covered a broad range of policy types — including less-talked-about coverages like wrap insurance and E&O — and she specializes in auto, homeowners and life insurance.