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Car insurance for MINI

Mini Cooper front detail
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Mini Cooper front detail
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Your car insurance rates are determined by insurers based on perceived risk. Factors that may affect rates include driver age, driving history, the type of car you drive and the coverage types and levels you choose. To give you an idea of the average cost for different MINI models, Bankrate obtained average premium information from Quadrant Information Services for a range of MINIs, including the popular MINI Cooper. Specifically, we pulled average rates for the following:

  • MINI Cooper
  • MINI Clubman
  • MINI Countryman

We compared rates from a list of auto insurance carriers to give you an idea of what you may expect to pay based on the MINI model you choose. If you are in the market for a new MINI Cooper or other MINI models, or curious what these types of vehicles cost from an insurance perspective, then comparing averages from multiple providers may provide a better indication of insurance costs. The cost of premiums can vary wildly from one vehicle or provider to another. Even choosing one type of MINI model over another can impact how much you pay in auto insurance.

Car insurance for MINIs: by model

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

Cheapest car insurance companies for MINI Cooper

The MINI Cooper is the model that put MINI on the map, and the vehicle has come a long way from the tiny, low-cost car that initially debuted. Today, the MINI Cooper has 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 average annual premium for full coverage we found is from USAA, this insurer only offers coverage to military members, veterans and their immediate family members. The next cheapest for full coverage — without the military eligibility requirements — is Amica. Our review of rates found Erie is the most expensive car insurance for a MINI Cooper among the companies we studied.

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

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 the signature split rear doors. You’ll pay a bit more for these higher-end features, which means that the MINI Clubman’s average car insurance rates can be a bit more expensive than the average rates for the MINI Cooper. However, the Clubman’s average auto insurance prices are still significantly less than coverage for most luxury cars. For the Clubman, Geico and USAA offer the cheapest average full coverage rates on our list, while State Farm has the highest. Comparison shopping may help you find the lowest price for your MINI Clubman.

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

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. The vehicle delivers more cargo space and headroom than other MINI models while still costing less to insure than the MINI Clubman or JCW models. For the Countryman, Geico has the 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
Geico $329 $1,110
USAA $326 $1,156
Amica $379 $1,272
Erie $386 $1,325
State Farm $450 $1,372

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 list of cheapest insurers, for those who qualify. Amica offers the next-cheapest coverage with an average annual rate of $1,433.

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

Other car insurance coverage for MINI

In addition to getting a rate that fits your budget, you may also want to consider the types of coverage you want or need to include in your MINI’s insurance policy. If you’re comparison-shopping your current policy, you might want to check that you have all the types and levels of coverage that you need. If you aren’t sure what coverage to purchase, talking with an agent could help.

If you plan to pay cash for a MINI, you may have the option to drive it with just the state-required minimum coverage insurance in place, but that usually only protects other drivers against damage you cause. If you have a loan or lease, you’ll be required to have full coverage, which includes financial protection for damages to your own vehicle in an accident or other-than-collision incident. Even if you don’t finance your vehicle, you might want to consider a full coverage policy for this added financial protection. Additionally, many insurance companies offer optional endorsements that can further protect your financial interests. These are some common coverage types and endorsements you may want to consider when deciding what’s right for you.

  • Collision coverage is designed to pay for repairs to your MINI if you collide with another vehicle, object or anything else (other than animals). Collision is commonly included as part of a full coverage policy.
  • Comprehensive coverage is designed to pay for damage caused by occurrences other than collisions, like theft, vandalism, storm damage or hitting an animal. Comprehensive is also typically included in a full coverage policy.
  • Uninsured motorist and underinsured motorist coverage cover you if you are hit by a driver who doesn’t have insurance, or doesn’t have enough insurance to pay for your damages. In some states, one or both of these coverage types is required.
  • Personal injury protection (PIP) covers expenses for you and your passenger related to medical care, lost wages and funeral expenses. In states with no-fault insurance laws, this coverage is typically required; in most other states, it is an optional coverage type. One of the many benefits of this coverage is it applies no matter which driver is ruled at-fault in an accident. Covered medical costs include everything from x-rays and ambulance rides, to rehabilitation services after the accident.
  • Medical payments, or MedPay, coverage is similar to PIP. It covers medical expenses for you and your passenger no matter which driver is ruled at-fault for an accident. Unlike PIP though, it does not cover expenses related to lost wages.
  • Roadside assistance can come in handy if you travel often, as it can cover the cost of service calls like tows, locksmiths and other breakdown issues. Most roadside assistance plans offer help with any issue when your vehicle is inoperable.
  • Car rental coverage could be a good choice if your MINI is your only vehicle. This coverage is designed to pay for the cost of a rental car, up to certain limits, if your vehicle is not driveable due to a covered loss.
  • Gap insurance is another common add-on, especially since it may be required by a lender if you lease or finance your vehicle. Gap insurance pays the “gap” between the amount you owe on the lease/loan versus the actual cash value payout an insurance company would pay if the vehicle was totaled, destroyed or stolen.
  • New car replacement, as the name implies, ensures you are financially covered for the cost to replace your new vehicle if you should total or lose your newer vehicle. Since newer vehicles depreciate rapidly after being purchased, this coverage ensures you receive enough compensation to replace your car with a new car of the same make and model. You typically can only purchase this if you already have a comprehensive and collision policy in place.

These are just a few examples of optional coverage types you can add to your policy. To make sure you have the protection you need on the road, explore all of your coverage options. Then, to get the best deal, get quotes from multiple companies that offer the cheapest car insurance rates for the coverage you need and leverage discounts for additional savings.

Discounts could include those for driving safely, taking public transport occasionally or adding anti-theft features to your MINI. You might also lower your premium by taking advantage of these other car insurance discounts. Ultimately, several factors are used to calculate the rates that car insurance companies offer you. You might find a lower price for car insurance for MINI Cooper or any other vehicle from the MINI family just by comparing different insurers in your area.


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 coverage that meets 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 Clubman
  • MINI Countryman

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

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor