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This is $290 better than other popular brands.Our car insurance comparison study assumes 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. Below you'll find the average rates for each MINI model.
Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for MINI models.
By age & profile
How estimated annual premiums move with driver age and risk profile. Hover any bar for the exact figure.
Estimated annual full-coverage premium for the MINI, projected across age bands using industry-standard rate multipliers applied to the make-level base cost. See methodology below for assumptions.
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 button below to get free quotes to lower your insurance costs. Advertising Disclosure
By model
Estimated annual full-coverage premiums for each MINI model on the road today, broken out by driver profile.
| Model | Good Driver | Recent Accident | Poor Credit | |
|---|---|---|---|---|
| Estimated MINI Convertible Insurance Rates | $2,108 | $3,095 | $3,621 | |
By age — detailed
| Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $7,283 | $10,695 | $12,511 |
| 18 | $6,787 | $9,966 | $11,659 |
| 19 | $5,998 | $8,808 | $10,304 |
| 20 | $5,230 | $7,680 | $8,984 |
| 21 | $4,386 | $6,440 | $7,535 |
| 22 | $4,272 | $6,272 | $7,338 |
| 23 | $3,737 | $5,488 | $6,420 |
| 24 | $3,551 | $5,214 | $6,100 |
| 25 | $3,064 | $4,499 | $5,264 |
| 30 | $2,387 | $3,505 | $4,100 |
| 35 | $2,236 | $3,283 | $3,840 |
| 40base | $2,150 | $3,157 | $3,693 |
| 45 | $2,092 | $3,072 | $3,594 |
| 55 | $1,919 | $2,818 | $3,296 |
| 65 | $2,001 | $2,939 | $3,438 |
| 75 | $2,526 | $3,710 | $4,340 |
* See methodology and assumptions below.
MINI car 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 by state.
By state
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $2,278 | $3,309 | $4,212 |
| Alaska | $1,884 | $2,612 | $2,539 |
| Arizona | $2,130 | $3,080 | $4,537 |
| Arkansas | $2,336 | $3,670 | $4,040 |
| California | $2,601 | $4,599 | $2,601 |
| Colorado | $2,427 | $3,396 | $4,309 |
| Connecticut | $3,100 | $4,808 | $6,104 |
| Delaware | $2,567 | $3,421 | $4,393 |
| Florida | $3,056 | $4,228 | $5,509 |
| Georgia | $2,492 | $3,726 | $3,757 |
| Hawaii | $995 | $1,351 | $995 |
| Idaho | $1,729 | $2,292 | $2,787 |
| Illinois | $1,810 | $2,736 | $3,119 |
| Indiana | $1,859 | $2,843 | $3,190 |
| Iowa | $1,473 | $2,020 | $2,375 |
Showing 15 of 50 states. * See methodology.
| Estimated MINI Countryman Insurance Rates |
| $2,149 |
| $3,155 |
| $3,691 |
| Estimated MINI Hardtop Insurance Rates | $2,194 | $3,221 | $3,768 |
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 do 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, since insurance is 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, see our insurance analysis and rankings for other makes and models here.
