MINI Insurance Rates

The average cost of car insurance for a MINI model is about $1,436 per year.

This is $351 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 $1,417 $2,081 $2,434
MINI Countryman Insurance Cost $1,455 $2,136 $2,499

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 $4,864 $7,142 $8,355
18 $4,532 $6,656 $7,786
19 $4,006 $5,882 $6,881
20 $3,493 $5,128 $6,000
21 $2,929 $4,301 $5,032
22 $2,852 $4,188 $4,900
23 $2,496 $3,665 $4,288
24 $2,371 $3,482 $4,074
25 $2,046 $3,004 $3,515
30 $1,594 $2,341 $2,738
35 $1,493 $2,192 $2,564
40 $1,436 $2,108 $2,466
45 $1,398 $2,052 $2,400
55 $1,281 $1,882 $2,201
65 $1,336 $1,963 $2,296
75 $1,687 $2,478 $2,898

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 $1,521 $2,210 $2,813
Alaska $1,258 $1,744 $1,696
Arizona $1,422 $2,056 $3,030
Arkansas $1,560 $2,450 $2,698
California $1,736 $3,071 $1,736
Colorado $1,620 $2,268 $2,878
Connecticut $2,070 $3,211 $4,076
Delaware $1,714 $2,284 $2,934
Florida $2,041 $2,824 $3,680
Georgia $1,664 $2,488 $2,509
Hawaii $664 $902 $664
Idaho $1,154 $1,530 $1,860
Illinois $1,209 $1,827 $2,083
Indiana $1,242 $1,898 $2,130
Iowa $984 $1,349 $1,586
Kansas $1,308 $1,904 $2,226
Kentucky $1,892 $2,776 $3,279
Louisiana $2,428 $3,670 $3,980
Maine $918 $1,269 $1,874
Maryland $1,486 $2,162 $2,402
Massachusetts $1,192 $2,078 $1,192
Michigan $2,876 $4,382 $6,912
Minnesota $1,184 $1,578 $2,222
Mississippi $1,429 $2,038 $2,051
Missouri $1,346 $1,925 $2,528
Montana $1,369 $1,910 $2,223
Nebraska $1,157 $1,712 $1,860
Nevada $1,908 $2,831 $2,990
New Hampshire $1,328 $2,100 $2,654
New Jersey $1,463 $2,295 $3,004
New Mexico $1,494 $2,222 $2,306
New York $1,384 $1,742 $2,908
North Carolina $858 $1,474 $1,051
North Dakota $1,174 $1,784 $2,110
Ohio $1,046 $1,614 $1,655
Oklahoma $1,671 $2,392 $2,694
Oregon $1,521 $2,040 $2,437
Pennsylvania $1,281 $1,881 $2,201
Rhode Island $2,139 $3,138 $3,532
South Carolina $1,452 $2,012 $2,778
South Dakota $1,303 $1,878 $2,166
Tennessee $1,532 $2,256 $3,004
Texas $1,544 $2,230 $2,774
Utah $1,313 $1,840 $2,532
Vermont $1,010 $1,556 $1,645
Virginia $952 $1,462 $1,433
Washington $1,260 $1,710 $2,043
West Virginia $1,268 $1,816 $2,275
Wisconsin $1,264 $1,974 $2,251
Wyoming $1,180 $1,652 $1,760