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 Coupe? 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 Coupe insurance facts

  • Average full coverage auto insurance premium: $115/month
  • Most affordable companies: GEICO  ($69/month) & Progressive ($74/month)
  • Coupe car insurance cost vs. average rate: $62 less expensive than the average vehicle

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

Risk factors affecting MINI Coupe 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 Coupe 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 Coupe 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 Coupe 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.

2021 MINI Coupe

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1549
Acuity$1605
Allied$1565
Allstate$1259
American Family$1157
Country Financial$1318
Erie$950
GEICO$831
Kentucky Farm Bureau$1458
Liberty Mutual$1016
Mercury$1226
Nationwide$1040
Progressive$889
State Farm$927
Tennessee Farmers$1180
Texas Farm Bureau$1075
The Hanover$1477
Travelers$1310

Compare all 2021 MINI Coupe rates

Average Cost to Insure Per Year

$1386

List Price

$23450

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder 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 Coupe

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1544
Allstate$1249
American Family$1149
Country Financial$1316
Erie$947
GEICO$826
Kentucky Farm Bureau$1456
Liberty Mutual$1008
Mercury$1220
Nationwide$1035
Progressive$886
State Farm$925
Tennessee Farmers$1172
Texas Farm Bureau$1070
The Hanover$1470
Travelers$1308

Compare all 2020 MINI Coupe rates

Average Cost to Insure Per Year

$1339

List Price

$23400

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder 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 Coupe

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1546
Allstate$1243
American Family$1146
Country Financial$1380
Erie$946
GEICO$822
Kentucky Farm Bureau$1452
Liberty Mutual$1006
Mercury$1219
Nationwide$1031
Progressive$870
State Farm$923
Tennessee Farmers$1171
Texas Farm Bureau$1068
The Hanover$1467
Travelers$1290

Compare all 2019 MINI Coupe rates

Average Cost to Insure Per Year

$1235

List Price

$22900

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder 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 Coupe

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1533
Allstate$1242
American Family$1142
Country Financial$1367
Erie$926
GEICO$820
Kentucky Farm Bureau$1430
Liberty Mutual$990
Mercury$1215
Nationwide$1030
Progressive$863
State Farm$912
Tennessee Farmers$1170
Texas Farm Bureau$1064
The Hanover$1456
Travelers$1290

Compare all 2018 MINI Coupe rates

Average Cost to Insure Per Year

$1208

List Price

$22900

Trims Available

Cooper - Cooper S - John Cooper Works

2017 MINI Coupe

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 Coupe rates

Average Cost to Insure Per Year

$1116

List Price

$22900

Trims Available

Cooper - Cooper S - John Cooper Works

2015 MINI Coupe

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 945
Acuity$ 945
Allied$ 1004
Allied$ 1004
American Family$ 1127
American Family$ 1127
Arbella$ 1096
Arbella$ 1096
Country$ 1036
Country$ 1036
Erie$ 877
Erie$ 877
GEICO$ 1059
GEICO$ 1059
Plymouth Rock Insurance$ 1064
Plymouth Rock Insurance$ 1064
Tennessee Farmers$ 963
Tennessee Farmers$ 963
Texas Farm Bureau$ 795
Texas Farm Bureau$ 795
USAA$ 1058
USAA$ 1058
Vermont Mutual$ 863
Vermont Mutual$ 863

Compare all 2015 MINI Coupe rates

Average Cost to Insure Per Year

$ 1057

List Price

$ 22000

Trims Available

Cooper - Cooper S - John Cooper Works

2014 MINI Coupe

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 989
Acuity$ 989
Allied$ 1052
Allied$ 1052
American Family$ 1189
American Family$ 1189
Arbella$ 1166
Arbella$ 1166
Country$ 1162
Country$ 1162
Erie$ 874
Erie$ 874
GEICO$ 1051
GEICO$ 1051
Plymouth Rock Insurance$ 1057
Plymouth Rock Insurance$ 1057
Tennessee Farmers$ 1003
Tennessee Farmers$ 1003
Texas Farm Bureau$ 825
Texas Farm Bureau$ 825
USAA$ 993
USAA$ 993
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2014 MINI Coupe rates

Average Cost to Insure Per Year

$ 1122

List Price

$ 21450

Trims Available

Cooper - Cooper S - John Cooper Works

2013 MINI Coupe

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1046
Acuity$ 1046
Allied$ 1075
Allied$ 1075
American Family$ 1308
American Family$ 1308
Arbella$ 1272
Arbella$ 1272
Erie$ 913
Erie$ 913
GEICO$ 1285
GEICO$ 1285
Nationwide$ 1280
Nationwide$ 1280
Plymouth Rock Insurance$ 1065
Plymouth Rock Insurance$ 1065
Tennessee Farmers$ 1076
Tennessee Farmers$ 1076
Texas Farm Bureau$ 854
Texas Farm Bureau$ 854
USAA$ 1014
USAA$ 1014
Vermont Mutual$ 1008
Vermont Mutual$ 1008

Compare all 2013 MINI Coupe rates

Average Cost to Insure Per Year

$ 1033

List Price

$ 21450

Trims Available

Cooper - Cooper S - John Cooper Works