MINI Insurance Rates

The average cost of car insurance for a MINI model is about $1,514 per year.

This is $711 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 $1,460 $2,143 $2,508
MINI Countryman Insurance Cost $1,567 $2,301 $2,692

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 $5,127 $7,528 $8,807
18 $4,778 $7,016 $8,208
19 $4,222 $6,200 $7,253
20 $3,682 $5,406 $6,324
21 $3,088 $4,534 $5,304
22 $3,007 $4,415 $5,166
23 $2,630 $3,863 $4,520
24 $2,500 $3,670 $4,294
25 $2,157 $3,168 $3,706
30 $1,680 $2,468 $2,886
35 $1,574 $2,311 $2,703
40 $1,514 $2,222 $2,600
45 $1,472 $2,162 $2,530
55 $1,351 $1,984 $2,320
65 $1,409 $2,068 $2,420
75 $1,778 $2,611 $3,054

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 $1,604 $2,329 $2,964
Alaska $1,326 $1,838 $1,788
Arizona $1,500 $2,168 $3,194
Arkansas $1,644 $2,583 $2,844
California $1,831 $3,237 $1,831
Colorado $1,708 $2,391 $3,033
Connecticut $2,182 $3,385 $4,296
Delaware $1,807 $2,408 $3,093
Florida $2,152 $2,976 $3,878
Hawaii $700 $951 $700
Idaho $1,217 $1,614 $1,962
Illinois $1,274 $1,926 $2,196
Indiana $1,308 $2,001 $2,246
Iowa $1,037 $1,422 $1,672
Kansas $1,379 $2,006 $2,347
Kentucky $1,994 $2,927 $3,456
Louisiana $2,560 $3,869 $4,195
Maine $968 $1,338 $1,975
Maryland $1,566 $2,280 $2,532
Massachusetts $1,256 $2,191 $1,256
Michigan $3,031 $4,619 $7,286
Minnesota $1,248 $1,664 $2,342
Mississippi $1,506 $2,148 $2,162
Missouri $1,420 $2,029 $2,666
Montana $1,443 $2,014 $2,344
Nebraska $1,220 $1,804 $1,960
Nevada $2,012 $2,984 $3,152
New Hampshire $1,400 $2,213 $2,798
New Jersey $1,542 $2,419 $3,166
New Mexico $1,575 $2,342 $2,432
New York $1,458 $1,836 $3,066
North Carolina $904 $1,554 $1,108
North Dakota $1,237 $1,880 $2,224
Ohio $1,103 $1,702 $1,745
Oklahoma $1,762 $2,522 $2,840
Oregon $1,603 $2,151 $2,569
Pennsylvania $1,350 $1,982 $2,320
Rhode Island $2,254 $3,307 $3,724
South Carolina $1,531 $2,122 $2,929
South Dakota $1,374 $1,980 $2,284
Tennessee $1,616 $2,378 $3,168
Texas $1,627 $2,350 $2,924
Utah $1,384 $1,939 $2,668
Vermont $1,065 $1,640 $1,734
Virginia $1,004 $1,541 $1,510
Washington $1,328 $1,803 $2,154
West Virginia $1,336 $1,914 $2,398
Wisconsin $1,332 $2,080 $2,372
Wyoming $1,244 $1,742 $1,855
Georgia $1,754 $2,622 $2,644