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 Countryman? 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 Countryman insurance facts

  • Average full coverage auto insurance premium: $133/month
  • Most affordable companies: Auto-Owners Insurance ($87/month) & GEICO ($92/month)
  • Countryman car insurance cost vs. average rate: $18 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Countryman 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 Countryman insurer costs by state:

Risk factors affecting MINI Countryman 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 Countryman 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 Countryman repair costs equal high car insurance 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 Countryman affecting car insurance 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.

2022 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1641
American Family$1166
Auto-Owners$1053
Cincinnati Insurance$1935
Direct Auto$2106
Elephant Insurance$1791
Erie Insurance$1469
GEICO$1105
Kentucky Farm Bureau$1784
Liberty Mutual$1567
Mercury$1398
MetLife$2051
Nationwide$1766
Progressive$1388
Safe Auto$1899
State Farm$1716
Texas Farm Bureau$1437
Travelers$1257
Westfield$1186

Compare all 2022 MINI Countryman rates

Average Cost to Insure Per Year

$1590

List Price

$29100

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - Base Engine: TwinPower Turbo, 1.5-liter, 3-cylinder direct-injection engine with double VANOS 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 Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1639
American Family$1160
Auto-Owners$1052
Cincinnati Insurance$1916
Direct Auto$2086
Elephant Insurance$1745
Erie Insurance$1468
GEICO$1099
Kentucky Farm Bureau$1802
Liberty Mutual$1561
Mercury$1390
MetLife$2040
Nationwide$1760
Progressive$1384
Safe Auto$1890
State Farm$1715
Texas Farm Bureau$1425
Travelers$1249
Westfield$1184

Compare all 2021 MINI Countryman rates

Average Cost to Insure Per Year

$1560

List Price

$29100

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - Base Engine: TwinPower Turbo, 1.5-liter, 3-cylinder direct-injection engine with double VANOS 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 Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1620
American Family$1090
Auto-Owners$1036
Elephant Insurance$1830
Erie Insurance$1480
Farmers$1755
GEICO$1050
Liberty Mutual$1530
Mercury$1296
MetLife$1870
Nationwide$1731
Progressive$1257
State Farm$1690
Texas Farm Bureau$1352
Travelers$1224
Westfield$1153

Compare all 2020 MINI Countryman rates

Average Cost to Insure Per Year

$1653

List Price

$33900

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - Base Engine: TwinPower Turbo, 1.5-liter, 3-cylinder direct-injection engine with double VANOS 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 Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1611
American Family$1056
Auto-Owners$1026
Elephant Insurance$1821
Erie Insurance$1482
GEICO$1035
Kentucky Farm Bureau$1777
Liberty Mutual$1520
Mercury$1329
MetLife$1862
Nationwide$1729
Progressive$1284
State Farm$1684
Texas Farm Bureau$1348
Travelers$1163
Westfield$1152

Compare all 2019 MINI Countryman rates

Average Cost to Insure Per Year

$1542

List Price

$28700

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - Base Engine: TwinPower Turbo, 1.5-liter, 3-cylinder direct-injection engine with double VANOS 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 Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1282
Acuity$ 1282
Allied$ 1048
Allied$ 1048
Arbella$ 1419
Arbella$ 1419
Country$ 1392
Country$ 1392
Erie$ 999
Erie$ 999
GEICO$ 1446
GEICO$ 1446
Mercury$ 1371
Mercury$ 1371
Nationwide$ 1290
Nationwide$ 1290
Plymouth Rock Insurance$ 1162
Plymouth Rock Insurance$ 1162
Tennessee Farmers$ 1430
Tennessee Farmers$ 1430
USAA$ 1195
USAA$ 1195
Vermont Mutual$ 1236
Vermont Mutual$ 1236

Compare all 2018 MINI Countryman rates

Average Cost to Insure Per Year

$ 1600

List Price

$ 26600

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2017 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1194
Acuity$ 1194
Allied$ 1029
Allied$ 1029
Arbella$ 1263
Arbella$ 1263
Country$ 1278
Country$ 1278
Erie$ 990
Erie$ 990
GEICO$ 1287
GEICO$ 1287
Mercury$ 1226
Mercury$ 1226
Nationwide$ 1275
Nationwide$ 1275
Plymouth Rock Insurance$ 1177
Plymouth Rock Insurance$ 1177
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 1165
USAA$ 1165
Vermont Mutual$ 1077
Vermont Mutual$ 1077

Compare all 2017 MINI Countryman rates

Average Cost to Insure Per Year

$ 1017

List Price

$ 26100

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4

2016 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1090
Acuity$ 1090
Allied$ 1156
Allied$ 1156
American Family$ 1219
American Family$ 1219
Arbella$ 1187
Arbella$ 1187
Country$ 1177
Country$ 1177
Erie$ 862
Erie$ 862
GEICO$ 1082
GEICO$ 1082
Plymouth Rock Insurance$ 1087
Plymouth Rock Insurance$ 1087
Tennessee Farmers$ 1041
Tennessee Farmers$ 1041
Texas Farm Bureau$ 823
Texas Farm Bureau$ 823
USAA$ 1076
USAA$ 1076
Vermont Mutual$ 1010
Vermont Mutual$ 1010

Compare all 2016 MINI Countryman rates

Average Cost to Insure Per Year

$ 1175

List Price

$ 22750

Trims Available

Cooper - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2015 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1050
Acuity$ 1050
Allied$ 1113
Allied$ 1113
American Family$ 1152
American Family$ 1152
Arbella$ 1165
Arbella$ 1165
Country$ 1141
Country$ 1141
Erie$ 843
Erie$ 843
GEICO$ 1068
GEICO$ 1068
Plymouth Rock Insurance$ 1040
Plymouth Rock Insurance$ 1040
Tennessee Farmers$ 1021
Tennessee Farmers$ 1021
Texas Farm Bureau$ 829
Texas Farm Bureau$ 829
USAA$ 987
USAA$ 987
Vermont Mutual$ 952
Vermont Mutual$ 952

Compare all 2015 MINI Countryman rates

Average Cost to Insure Per Year

$ 1103

List Price

$ 22750

Trims Available

Cooper - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2014 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1056
Acuity$ 1056
Allied$ 1142
Allied$ 1142
American Family$ 1215
American Family$ 1215
Country$ 1187
Country$ 1187
Erie$ 879
Erie$ 879
GEICO$ 1200
GEICO$ 1200
Mercury$ 1198
Mercury$ 1198
Plymouth Rock Insurance$ 1044
Plymouth Rock Insurance$ 1044
Tennessee Farmers$ 1069
Tennessee Farmers$ 1069
Texas Farm Bureau$ 810
Texas Farm Bureau$ 810
USAA$ 985
USAA$ 985
Vermont Mutual$ 1006
Vermont Mutual$ 1006

Compare all 2014 MINI Countryman rates

Average Cost to Insure Per Year

$ 1064

List Price

$ 22100

Trims Available

Cooper - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2013 MINI Countryman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 952
Acuity$ 952
Allied$ 1043
Allied$ 1043
Arbella$ 1092
Arbella$ 1092
Country$ 1084
Country$ 1084
Erie$ 807
Erie$ 807
GEICO$ 924
GEICO$ 924
Plymouth Rock Insurance$ 1002
Plymouth Rock Insurance$ 1002
State Farm$ 1126
State Farm$ 1126
Tennessee Farmers$ 984
Tennessee Farmers$ 984
Texas Farm Bureau$ 793
Texas Farm Bureau$ 793
USAA$ 888
USAA$ 888
Vermont Mutual$ 884
Vermont Mutual$ 884

Compare all 2013 MINI Countryman rates

Average Cost to Insure Per Year

$ 1056

List Price

$ 22000

Trims Available

Cooper - Cooper S - Cooper S ALL4 - John Cooper Works ALL4