MINI Insurance Rates

MINI Insurance Rates

The average cost of car insurance for MINI models is about $2,002 per year.

This is $893 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
Estimated MINI Clubman Insurance Rates $1,941 $2,850 $3,334
Estimated MINI Countryman Insurance Rates $2,063 $3,030 $3,544

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.

Are car insurance rates based on credit score?

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 Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $6,782 $9,958 $11,648
18 $6,320 $9,280 $10,856
19 $5,585 $8,201 $9,594
20 $4,870 $7,150 $8,365
21 $4,084 $5,996 $7,015
22 $3,977 $5,840 $6,832
23 $3,480 $5,110 $5,978
24 $3,306 $4,854 $5,679
25 $2,853 $4,189 $4,901
30 $2,222 $3,264 $3,818
35 $2,082 $3,056 $3,576
40 $2,002 $2,940 $3,439
45 $1,948 $2,860 $3,346
55 $1,786 $2,624 $3,069
65 $1,864 $2,736 $3,201
75 $2,352 $3,454 $4,040

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 Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $2,320 $3,469 $3,498
Wyoming $1,646 $2,304 $2,453
Wisconsin $1,763 $2,752 $3,138
West Virginia $1,768 $2,532 $3,172
Washington $1,757 $2,385 $2,848
Virginia $1,328 $2,038 $1,998
Vermont $1,409 $2,170 $2,294
Utah $1,830 $2,566 $3,530
Texas $2,152 $3,109 $3,867
Tennessee $2,136 $3,146 $4,189
South Dakota $1,816 $2,618 $3,021
South Carolina $2,025 $2,806 $3,874
Rhode Island $2,982 $4,374 $4,926
Pennsylvania $1,786 $2,622 $3,068
Oregon $2,120 $2,845 $3,398
Oklahoma $2,330 $3,336 $3,757
Ohio $1,460 $2,250 $2,308
North Dakota $1,636 $2,487 $2,942
North Carolina $1,196 $2,054 $1,465
New York $1,929 $2,430 $4,055
New Mexico $2,082 $3,098 $3,216
New Jersey $2,040 $3,200 $4,187
New Hampshire $1,851 $2,928 $3,700
Nevada $2,661 $3,947 $4,170
Nebraska $1,614 $2,386 $2,592
Montana $1,908 $2,664 $3,100
Missouri $1,878 $2,684 $3,526
Mississippi $1,992 $2,842 $2,860
Minnesota $1,650 $2,200 $3,098
Michigan $4,009 $6,109 $9,636
Massachusetts $1,662 $2,898 $1,662
Maryland $2,072 $3,015 $3,350
Maine $1,280 $1,770 $2,613
Louisiana $3,386 $5,118 $5,548
Kentucky $2,638 $3,872 $4,572
Kansas $1,824 $2,654 $3,104
Iowa $1,371 $1,880 $2,212
Indiana $1,731 $2,647 $2,970
Illinois $1,686 $2,547 $2,904
Idaho $1,610 $2,134 $2,594
Hawaii $926 $1,258 $926
Florida $2,845 $3,936 $5,130
Delaware $2,390 $3,184 $4,091
Connecticut $2,886 $4,477 $5,683
Colorado $2,260 $3,162 $4,012
California $2,421 $4,282 $2,421
Arkansas $2,174 $3,416 $3,762
Arizona $1,984 $2,868 $4,224
Alaska $1,754 $2,432 $2,364
Alabama $2,121 $3,080 $3,921

Related Articles

GAP Insurance Explained: Not Every Car Buyer Needs It

Car Insurance Rates Soared 24%

Car Ownership Costs Beyond the Price Tag: What to Expect