MINI Insurance Rates

The average cost of car insurance for a MINI model is about $1,450 per year.

This is $444 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 $1,431 $2,101 $2,458
MINI Countryman Insurance Cost $1,470 $2,158 $2,525

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 $4,912 $7,214 $8,439
18 $4,578 $6,722 $7,864
19 $4,046 $5,940 $6,950
20 $3,528 $5,180 $6,060
21 $2,958 $4,344 $5,082
22 $2,882 $4,230 $4,950
23 $2,521 $3,702 $4,331
24 $2,395 $3,517 $4,114
25 $2,067 $3,035 $3,550
30 $1,610 $2,364 $2,766
35 $1,508 $2,214 $2,590
40 $1,450 $2,130 $2,492
45 $1,411 $2,072 $2,424
55 $1,294 $1,900 $2,224
65 $1,350 $1,982 $2,319
75 $1,704 $2,502 $2,927

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 $1,536 $2,232 $2,841
Alaska $1,271 $1,762 $1,713
Arizona $1,437 $2,077 $3,060
Arkansas $1,575 $2,475 $2,726
California $1,754 $3,102 $1,754
Colorado $1,637 $2,290 $2,906
Connecticut $2,091 $3,244 $4,117
Delaware $1,731 $2,307 $2,964
Florida $2,062 $2,852 $3,716
Georgia $1,680 $2,513 $2,534
Hawaii $671 $912 $671
Idaho $1,166 $1,546 $1,880
Illinois $1,220 $1,846 $2,104
Indiana $1,254 $1,918 $2,152
Iowa $994 $1,362 $1,602
Kansas $1,322 $1,923 $2,249
Kentucky $1,910 $2,804 $3,312
Louisiana $2,452 $3,708 $4,020
Maine $928 $1,282 $1,892
Maryland $1,501 $2,184 $2,426
Massachusetts $1,204 $2,100 $1,204
Michigan $2,904 $4,426 $6,982
Minnesota $1,196 $1,594 $2,245
Mississippi $1,444 $2,058 $2,072
Missouri $1,360 $1,944 $2,554
Montana $1,382 $1,929 $2,246
Nebraska $1,168 $1,728 $1,878
Nevada $1,928 $2,860 $3,020
New Hampshire $1,341 $2,120 $2,681
New Jersey $1,478 $2,318 $3,034
New Mexico $1,509 $2,244 $2,330
New York $1,398 $1,760 $2,938
North Carolina $866 $1,488 $1,062
North Dakota $1,186 $1,802 $2,130
Ohio $1,057 $1,630 $1,672
Oklahoma $1,688 $2,417 $2,722
Oregon $1,536 $2,062 $2,462
Pennsylvania $1,294 $1,900 $2,222
Rhode Island $2,160 $3,168 $3,568
South Carolina $1,467 $2,033 $2,806
South Dakota $1,316 $1,896 $2,188
Tennessee $1,548 $2,278 $3,034
Texas $1,559 $2,252 $2,802
Utah $1,326 $1,858 $2,557
Vermont $1,020 $1,572 $1,662
Virginia $962 $1,476 $1,448
Washington $1,273 $1,728 $2,064
West Virginia $1,281 $1,834 $2,298
Wisconsin $1,277 $1,994 $2,274
Wyoming $1,192 $1,669 $1,777