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 Hardtop 2 Door? 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 Hardtop 2 Door insurance facts

  • Average full coverage auto insurance premium: $121/month
  • Most affordable companies: Allied Insurance  ($81/month) & Texas Farm Bureau ($85/month)
  • Hardtop 2 Door car insurance cost vs. average rate: $34 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Hardtop 2 Door 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 Hardtop 2 Door insurer costs by state:

Risk factors affecting MINI Hardtop 2 Door 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 Hardtop 2 Door 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 Hardtop 2 Door 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 Hardtop 2 Door 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 Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1688
Acuity$1774
Allied Insurance$976
Allstate$1337
American Family$1253
Arbella$1267
Country Financial$1514
GEICO$1227
Kentucky Farm Bureau$1098
Liberty Mutual$1184
Mercury$1291
Nationwide$1219
Progressive$1131
Quincy Mutual$1574
State Farm$1063
Texas Farm Bureau$1012
The Hanover$1633
Travelers$1438

Compare all 2022 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$1462

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

2021 MINI Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1680
Acuity$1761
Allied Insurance$960
Allstate$1338
American Family$1248
Arbella$1260
Country Financial$1499
GEICO$1216
Kentucky Farm Bureau$1092
Liberty Mutual$1171
Mercury$1312
Nationwide$1209
Progressive$1121
Quincy Mutual$1567
State Farm$1045
Texas Farm Bureau$1006
The Hanover$1630
Travelers$1429

Compare all 2021 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$1327

List Price

$22400

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 Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1630
Allied Insurance$923
Allstate$1328
American Family$1203
Arbella$1255
Country Financial$1456
GEICO$1180
Kentucky Farm Bureau$1062
Liberty Mutual$1076
Mercury$1288
Nationwide$1121
Quincy Mutual$1506
State Farm$989
Texas Farm Bureau$947
The Hanover$1537
Travelers$1384

Compare all 2020 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$1416

List Price

$23400

Trims Available

Cooper - Cooper S - John Cooper Works

2019 MINI Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1529
Allied Insurance$912
Allstate$1251
American Family$1144
Arbella$1190
Country Financial$1290
GEICO$1133
Kentucky Farm Bureau$1035
Liberty Mutual$1059
Mercury$1267
Nationwide$1079
Quincy Mutual$1352
State Farm$1002
Texas Farm Bureau$936
The Hanover$1438
Travelers$1273

Compare all 2019 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$1286

List Price

$21900

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 Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1511
Allied Insurance$890
Allstate$1236
American Family$1138
Arbella$1174
Country Financial$1297
GEICO$1120
Kentucky Farm Bureau$1033
Liberty Mutual$1054
Mercury$1252
Nationwide$1076
Quincy Mutual$1334
State Farm$987
Texas Farm Bureau$923
The Hanover$1427
Travelers$1260

Compare all 2018 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$1280

List Price

$21900

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

2017 MINI Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1199
Acuity$ 1199
Allied$ 1091
Allied$ 1091
American Family$ 1251
American Family$ 1251
Erie$ 1032
Erie$ 1032
GEICO$ 908
GEICO$ 908
Nationwide$ 1142
Nationwide$ 1142
Plymouth Rock Insurance$ 1140
Plymouth Rock Insurance$ 1140
Progressive$ 1062
Progressive$ 1062
State Farm$ 1075
State Farm$ 1075
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 1063
USAA$ 1063
Vermont Mutual$ 1128
Vermont Mutual$ 1128

Compare all 2017 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$ 1182

List Price

$ 20950

Trims Available

Cooper - Cooper S - John Cooper Works

2016 MINI Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1151
Acuity$ 1151
Allied$ 1107
Allied$ 1107
American Family$ 1196
American Family$ 1196
Erie$ 997
Erie$ 997
GEICO$ 923
GEICO$ 923
Nationwide$ 1175
Nationwide$ 1175
Plymouth Rock Insurance$ 1106
Plymouth Rock Insurance$ 1106
Progressive$ 1215
Progressive$ 1215
State Farm$ 1202
State Farm$ 1202
Texas Farm Bureau$ 886
Texas Farm Bureau$ 886
USAA$ 1028
USAA$ 1028
Vermont Mutual$ 1061
Vermont Mutual$ 1061

Compare all 2016 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$ 1188

List Price

$ 20700

Trims Available

Cooper - Cooper S - John Cooper Works

2015 MINI Hardtop 2 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1083
Acuity$ 1083
Allied$ 1107
Allied$ 1107
American Family$ 1149
American Family$ 1149
Country$ 1156
Country$ 1156
Erie$ 960
Erie$ 960
GEICO$ 870
GEICO$ 870
Plymouth Rock Insurance$ 1071
Plymouth Rock Insurance$ 1071
State Farm$ 1076
State Farm$ 1076
Tennessee Farmers$ 1014
Tennessee Farmers$ 1014
Texas Farm Bureau$ 787
Texas Farm Bureau$ 787
USAA$ 996
USAA$ 996
Vermont Mutual$ 963
Vermont Mutual$ 963

Compare all 2015 MINI Hardtop 2 Door rates

Average Cost to Insure Per Year

$ 1103

List Price

$ 20450

Trims Available

Cooper - Cooper S - John Cooper Works