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