Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used MINI Cooper 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 Cooper Convertible insurance facts

  • Average full coverage auto insurance premium: $131/month
  • Most affordable companies: GEICO ($71/month) & Progressive ($80/month)
  • Cooper Convertible car insurance cost vs. average rate: $37 less expensive than the average vehicle

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average MINI Cooper Convertible insurer costs by state:

Risk factors affecting MINI Cooper Convertible coverage 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 Cooper Convertible 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 Cooper 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 Cooper 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 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.

2022 MINI Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1651
Acuity$1789
Allied$1706
Allstate$1325
American Family$1226
Country Financial$1490
Erie$1027
GEICO$843
Kentucky Farm Bureau$1568
Liberty Mutual$1068
Mercury$1253
Nationwide$1105
Progressive$916
State Farm$966
Tennessee Farmers$1249
Texas Farm Bureau$1139
The Hanover$1627
Travelers$1359

Compare all 2022 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1565

List Price

$28750

Trims Available

Base - S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-liter 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 Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1604
Acuity$1716
Allied$1641
Allstate$1279
American Family$1211
Country Financial$1448
Erie$1015
GEICO$846
Kentucky Farm Bureau$1516
Liberty Mutual$1034
Mercury$1247
Nationwide$1062
Progressive$916
State Farm$970
Tennessee Farmers$1219
Texas Farm Bureau$1103
The Hanover$1530
Travelers$1319

Compare all 2021 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1527

List Price

$27400

Trims Available

Base - S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-liter 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 Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1574
Allstate$1260
American Family$1189
Country Financial$1391
Erie$986
GEICO$832
Kentucky Farm Bureau$1462
Liberty Mutual$1018
Mercury$1230
Nationwide$1052
Progressive$890
State Farm$946
Tennessee Farmers$1205
Texas Farm Bureau$1070
The Hanover$1491
Travelers$1310

Compare all 2020 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1543

List Price

$28400

Trims Available

Base - S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-liter 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

2019 MINI Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1543
Allstate$1253
American Family$1176
Country Financial$1379
Erie$951
GEICO$836
Kentucky Farm Bureau$1455
Liberty Mutual$1016
Mercury$1222
Nationwide$1033
Progressive$869
State Farm$925
Tennessee Farmers$1180
Texas Farm Bureau$1078
The Hanover$1470
Travelers$1306

Compare all 2019 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1423

List Price

$27750

Trims Available

Base - S - John Cooper Works - Base Engine: direct-injection turbocharged 134-hp 1.5-liter 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 Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1571
Allstate$1240
American Family$1140
Country Financial$1371
Erie$928
GEICO$816
Kentucky Farm Bureau$1462
Liberty Mutual$976
Mercury$1210
Nationwide$1027
Progressive$860
State Farm$911
Tennessee Farmers$1166
Texas Farm Bureau$1063
The Hanover$1470
Travelers$1295

Compare all 2018 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1329

List Price

$27750

Trims Available

Base - S - John Cooper Works

2017 MINI Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1530
Allstate$1216
American Family$1140
Country Financial$1364
Erie$926
GEICO$812
Kentucky Farm Bureau$1421
Liberty Mutual$987
Mercury$1203
Nationwide$1026
Progressive$853
State Farm$891
Tennessee Farmers$1167
Texas Farm Bureau$1035
The Hanover$1452
Travelers$1289

Compare all 2017 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$1286

List Price

$26800

Trims Available

Base - S - John Cooper Works

2012 MINI Cooper Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 986
Acuity$ 986
Allied$ 946
Allied$ 946
American Family$ 1115
American Family$ 1115
Erie$ 907
Erie$ 907
GEICO$ 1067
GEICO$ 1067
Nationwide$ 1182
Nationwide$ 1182
Plymouth Rock Insurance$ 1011
Plymouth Rock Insurance$ 1011
State Farm$ 1094
State Farm$ 1094
Tennessee Farmers$ 1050
Tennessee Farmers$ 1050
Texas Farm Bureau$ 829
Texas Farm Bureau$ 829
USAA$ 841
USAA$ 841
Vermont Mutual$ 946
Vermont Mutual$ 946

Compare all 2012 MINI Cooper Convertible rates

Average Cost to Insure Per Year

$ 1078

List Price

$ 24950

Trims Available

Base - S - John Cooper Works