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MINI Convertible Car Insurance Cost

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Looking for a new or used MINI Convertible? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

MINI Convertible insurance facts

  • Average full coverage auto insurance premium: $127/month

  • Most affordable companies: Allied Insurance ($82/month) & Texas Farm Bureau ($89/month)

  • Convertible car insurance cost vs. average rate: $39 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Convertible by model year and auto insurer.

Below average MINI Convertible insurer costs by state:

How much does it cost to insure my MINI Convertible?

Select the year of your car:

2022 MINI Convertible

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Average Cost to Insure Per Year

$1,534

List Price

$27,900

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-litre inline three-cylinder engine with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2021 MINI Convertible

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Average Cost to Insure Per Year

$1,436

List Price

$27,400

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-litre inline three-cylinder engine with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2020 MINI Convertible

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Average Cost to Insure Per Year

$1,420

List Price

$28,400

Trims Available

Cooper - Cooper S - John Cooper Works

2019 MINI Convertible

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Average Cost to Insure Per Year

$1,386

List Price

$27,750

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-litre inline three-cylinder engine with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2018 MINI Convertible

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Average Cost to Insure Per Year

$1,297

List Price

$26,195

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-litre inline three-cylinder engine with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2017 MINI Convertible

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Average Cost to Insure Per Year

$1,153

List Price

$25,950

Trims Available

Cooper - Cooper S - John Cooper Works

2016 MINI Convertible

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Average Cost to Insure Per Year

$732

List Price

$25,950

Trims Available

Cooper - Cooper S

2015 MINI Convertible

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Average Cost to Insure Per Year

$1,147

List Price

$25,700

Trims Available

Cooper - Cooper S - John Cooper Works

2014 MINI Convertible

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Average Cost to Insure Per Year

$1,022

List Price

$25,150

Trims Available

Cooper - Cooper S - John Cooper Works

2013 MINI Convertible

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Average Cost to Insure Per Year

$1,131

List Price

$25,150

Trims Available

Cooper - Cooper S - John Cooper Works

Risk factors affecting MINI Convertible car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on MINI Convertible car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all MINI models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

MINI automobile brand

MINI is a British marque owned by German automobile manufacturer BMW specializing in compact cars with excellent handling and fuel economy. The target audience of MINI is the affluent urban younger generation that demands freedom and individuality. All MINI automobiles have high safety ratings, with the MINI Cooper Hardtop getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The MINI Cooper, Cooper Countryman, and MINI SE Hardtop are their most popular cars.

High MINI Convertible repair costs equal high coverage rates

Many consumers are attracted to MINI for excellent looks, fun driving experience, and high-tech development with driver-assist technologies, like MINI Active Driving Assistant with speed sign and obstacle recognition. Automotive parts are not typical and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a MINI is higher than average since repair parts are more expensive. For this reason, many MINI cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for MINI Convertible affecting auto policies

Another factor to consider for MINI is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all MINI models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

Excellent MINI IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

MINI is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as MINI's Active Driving Assistant technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most MINI models. The MINI Cooper Hard Top 2-door is the Insurance Institute for Highway Safety (IIHS) "Top Safety Pick." The NHTSA consistently gives MINI automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new MINI automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

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