MINI Insurance Rates

The average cost of car insurance for a MINI model is about $1,578 per year.

This is $489 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact MINI insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

MINI insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per MINI Model

Model Good Driver Recent Accident Poor Credit
MINI Clubman Insurance Cost $1,557 $2,320 $2,742
MINI Countryman Insurance Cost $1,598 $2,380 $2,814

The cost to insure a MINI model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a MINI, then see our insurance analysis and rankings for other makes and models here.

MINI Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,344 $7,960 $9,410
18 $4,980 $7,418 $8,770
19 $4,401 $6,556 $7,750
20 $3,838 $5,716 $6,758
21 $3,218 $4,794 $5,666
22 $3,134 $4,668 $5,518
23 $2,742 $4,085 $4,828
24 $2,606 $3,881 $4,588
25 $2,248 $3,349 $3,959
30 $1,752 $2,609 $3,084
35 $1,640 $2,444 $2,888
40 $1,578 $2,350 $2,778
45 $1,535 $2,286 $2,703
55 $1,408 $2,097 $2,479
65 $1,469 $2,188 $2,586
75 $1,854 $2,761 $3,264

MINI auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect MINI models by state.

Average MINI Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,672 $2,342 $2,931
Alaska $1,383 $2,014 $2,110
Arizona $1,563 $2,425 $3,458
Arkansas $1,714 $2,596 $2,904
California $1,908 $3,338 $1,908
Colorado $1,781 $2,465 $3,075
Connecticut $2,275 $3,518 $4,506
Delaware $1,884 $2,594 $3,442
Florida $2,243 $3,046 $3,971
Georgia $1,828 $2,818 $2,892
Hawaii $730 $1,008 $730
Idaho $1,268 $1,708 $2,126
Illinois $1,328 $1,963 $2,276
Indiana $1,364 $2,132 $2,488
Iowa $1,081 $1,621 $1,890
Kansas $1,438 $2,116 $2,508
Kentucky $2,078 $3,126 $3,677
Louisiana $2,668 $4,078 $4,390
Maine $1,009 $1,354 $1,974
Maryland $1,633 $2,394 $2,828
Massachusetts $1,309 $2,214 $1,309
Michigan $3,160 $4,750 $7,304
Minnesota $1,300 $1,748 $2,586
Mississippi $1,570 $2,372 $2,506
Missouri $1,480 $2,038 $2,635
Montana $1,504 $2,354 $2,596
Nebraska $1,272 $1,800 $2,048
Nevada $2,097 $3,166 $3,473
New Hampshire $1,459 $2,352 $2,994
New Jersey $1,608 $2,534 $3,269
New Mexico $1,642 $2,362 $2,652
New York $1,520 $1,980 $3,196
North Carolina $942 $1,522 $1,172
North Dakota $1,290 $1,986 $2,520
Ohio $1,150 $1,880 $1,948
Oklahoma $1,836 $2,758 $3,128
Oregon $1,671 $2,524 $2,896
Pennsylvania $1,408 $2,128 $2,443
Rhode Island $2,350 $3,606 $4,124
South Carolina $1,596 $2,310 $3,296
South Dakota $1,432 $1,970 $2,364
Tennessee $1,684 $2,519 $3,178
Texas $1,696 $2,496 $3,134
Utah $1,442 $2,086 $2,877
Vermont $1,110 $1,776 $1,941
Virginia $1,046 $1,576 $1,674
Washington $1,385 $2,081 $2,454
West Virginia $1,394 $2,030 $2,506
Wisconsin $1,389 $2,028 $2,463
Wyoming $1,297 $1,906 $2,130