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Mini Cooper Car Insurance Quotes (2025)

Mini Cooper car insurance averages between $88 and $218 per month for full coverage, depending on the insurer you choose.

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Mini Coopers boast relatively low insurance costs compared to other popular car models, with an average of just $132 per month. That’s 13% below the average car insurance cost nationwide.

Mini Cooper Coupes can have even more affordable insurance rates, averaging $90 and $169 per month, respectively.

If you’re considering buying a Mini Cooper, here’s what you might pay for insurance based on the model year, insurance company, and other factors.

Quick Facts

  • Liability-only coverage for a Mini Cooper costs an average of $92 per month.

  • Recent Mini Cooper models are often more affordable to insure than older models.

  • The cheapest insurer for Mini Cooper insurance is USAA.

Cost of Mini Cooper insurance by model year

The exact cost of Mini Cooper car insurance varies by model year and insurance company. Currently, the cheapest insurer for Mini Cooper car insurance is USAA, with an average of $88 per month for full coverage. This is lower than the overall average across all insurers of $173 per month.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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  • The latest Mini Cooper model year is the 2025, which has an MSRP of $28,950. Here are the average Mini Cooper insurance premiums by company for 2025 models. All rates are for full-coverage policies.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2024 Mini Cooper has an MSRP of $26,795 and has average monthly insurance premiums that are higher than the 2025 model.1 The average premium by insurance company is listed below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • When new, the 2023 Mini Cooper had an MSRP of $23,750.2 Average insurance rates for it are lower than those for newer models. Look below to see the average 2023 Mini Cooper premium for various popular insurance companies.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2022 Mini Cooper had an MSRP of $23,750 when new, and monthly average insurance premiums are slightly higher than the 2023 model rates. That said, rates are lower than even more recent models.3

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
    Good to Know

    The 2022 Mini Cooper scored “good” in five safety categories during the Insurance Institute for Highway Safety’s review of 2022 model year vehicles. But if you regularly transport children in car seats, the 2022 Mini might not be the car for you. The IIHS scored its child restraints "marginal" for ease of use.

  • The 2021 Mini Cooper had an MSRP of $23,250, and insurance rates for this model are higher than for the 2022 model.4 Here, you can see the average Mini Cooper insurance premium for various insurance companies.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2020 Mini Cooper had an MSRP of $24,250, and average insurance rates are slightly more expensive than those for the 2021 model.5

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • When new, the 2019 Mini Cooper had an MSRP of $23,750.6 The average 2019 Mini Cooper insurance premiums for various insurance companies are listed below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • While the 2018 Mini Cooper had an MSRP of $22,450, lower than today’s pricing, you’ll actually pay similar rates for this model’s insurance compared to the 2025 Mini.7 See average 2018 Mini Cooper insurance premiums from popular insurers below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2017 Mini Cooper had an MSRP of $23,050.8 This chart shows the average premiums by insurer for this vehicle.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • In 2016, you could expect an MSRP of $22,800 for the most current model of Mini Cooper.9 Here are the average full-coverage premiums, by insurer, for that year’s model.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of Mini Cooper insurance by state

The cost of insurance for a Mini Cooper also varies by your location. The state with the lowest Mini Cooper premiums is North Carolina, while the highest premiums are found in New York. You can find a state-by-state comparison below.

Rate data isn’t available for Alaska and Hawaii.

How to ensure you have enough coverage on your Mini Cooper 

You can choose from many types of insurance coverage for your Mini Cooper. You typically only need liability insurance, but if you’re looking for comprehensive protection, full coverage may be the way to go.

Generally, full coverage includes the following:

Mini Cooper car insurance FAQs

Getting the right insurance coverage for your Mini Cooper is important. Use the frequently asked questions below to learn more about insuring your Mini and how much you might pay for coverage.

  • USAA currently has the lowest insurance premiums for Mini Cooper vehicles, though this company is only for military members and their families. If this isn’t you, the next cheapest choice is generally State Farm.

    Keep in mind that the cheapest insurer for you will depend on your own unique circumstances. That’s why it’s important to compare quotes from several insurers before choosing a policy.

  • Not really. Mini Coopers are generally less expensive to insure than many other car models. The average insurance premium is $132 per month, 90% of the average national premium.

  • The average cost of Mini Cooper insurance is $132 per month. For liability insurance, it’s $92 per month. For full coverage, it’s $173.

  • Mini Coopers rate as above average in dependability, according to the J.D. Power 2025 U.S. Vehicle Dependability Study. They rank just above Kias and Hondas.10

Aly J. Yale
Aly J. Yale

Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.

Aly has been a contributor at Insurify since September 2023.

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Mini Cooper Car Insurance Quotes (2025) | Insurify