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 4 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 4 Door insurance facts

  • Average full coverage auto insurance premium: $124/month
  • Most affordable companies: Allied Insurance  ($82/month) & Texas Farm Bureau ($89/month)
  • Hardtop 4 Door car insurance cost vs. average rate: $31 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Hardtop 4 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 4 Door insurer costs by state:

Risk factors affecting MINI Hardtop 4 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 4 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 4 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 4 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 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1729
Acuity$1813
Allied Insurance$980
Allstate$1370
American Family$1289
Arbella$1315
Country Financial$1528
GEICO$1260
Kentucky Farm Bureau$1126
Liberty Mutual$1190
Mercury$1329
Nationwide$1234
Progressive$1138
Quincy Mutual$1587
State Farm$1068
Texas Farm Bureau$1025
The Hanover$1653
Travelers$1461

Compare all 2022 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$1486

List Price

$24100

Trims Available

Cooper - Cooper S - 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 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1690
Acuity$1773
Allied Insurance$963
Allstate$1352
American Family$1253
Arbella$1269
Country Financial$1506
GEICO$1220
Kentucky Farm Bureau$1099
Liberty Mutual$1176
Mercury$1319
Nationwide$1215
Progressive$1123
Quincy Mutual$1567
State Farm$1049
Texas Farm Bureau$1016
The Hanover$1630
Travelers$1435

Compare all 2021 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$1431

List Price

$23900

Trims Available

Cooper - Cooper S - 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 4 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 4 Door rates

Average Cost to Insure Per Year

$1423

List Price

$23900

Trims Available

Cooper - Cooper S - 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 Hardtop 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1530
Allied Insurance$914
Allstate$1263
American Family$1144
Arbella$1092
Country Financial$1297
GEICO$1038
Kentucky Farm Bureau$1041
Liberty Mutual$1062
Mercury$1267
Nationwide$1080
Quincy Mutual$1359
State Farm$1013
Texas Farm Bureau$940
The Hanover$1438
Travelers$1273

Compare all 2019 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$1310

List Price

$22900

Trims Available

Cooper - Cooper S - 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 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1516
Allied Insurance$893
Allstate$1236
American Family$1138
Arbella$1174
Country Financial$1297
GEICO$1123
Kentucky Farm Bureau$1038
Liberty Mutual$1059
Mercury$1255
Nationwide$1077
Quincy Mutual$1338
State Farm$989
Texas Farm Bureau$924
The Hanover$1427
Travelers$1268

Compare all 2018 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$1290

List Price

$22900

Trims Available

Cooper - Cooper S

2017 MINI Hardtop 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1244
Acuity$ 1244
American Family$ 1280
American Family$ 1280
Country$ 1319
Country$ 1319
Erie$ 1018
Erie$ 1018
GEICO$ 1230
GEICO$ 1230
Plymouth Rock Insurance$ 1080
Plymouth Rock Insurance$ 1080
Progressive$ 1306
Progressive$ 1306
State Farm$ 1321
State Farm$ 1321
Tennessee Farmers$ 1310
Tennessee Farmers$ 1310
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 1041
USAA$ 1041
Vermont Mutual$ 1164
Vermont Mutual$ 1164

Compare all 2017 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$ 1176

List Price

$ 21950

Trims Available

Cooper - Cooper S

2016 MINI Hardtop 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1200
Acuity$ 1200
American Family$ 1247
American Family$ 1247
Arbella$ 1309
Arbella$ 1309
Country$ 1269
Country$ 1269
Erie$ 986
Erie$ 986
GEICO$ 1215
GEICO$ 1215
Plymouth Rock Insurance$ 1051
Plymouth Rock Insurance$ 1051
Progressive$ 1292
Progressive$ 1292
Tennessee Farmers$ 1289
Tennessee Farmers$ 1289
Texas Farm Bureau$ 888
Texas Farm Bureau$ 888
USAA$ 1048
USAA$ 1048
Vermont Mutual$ 1109
Vermont Mutual$ 1109

Compare all 2016 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$ 1206

List Price

$ 21700

Trims Available

Cooper - Cooper S

2015 MINI Hardtop 4 Door

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1125
Acuity$ 1125
American Family$ 1194
American Family$ 1194
Country$ 1208
Country$ 1208
Erie$ 927
Erie$ 927
GEICO$ 1039
GEICO$ 1039
Plymouth Rock Insurance$ 1024
Plymouth Rock Insurance$ 1024
Progressive$ 1202
Progressive$ 1202
State Farm$ 1172
State Farm$ 1172
Tennessee Farmers$ 1055
Tennessee Farmers$ 1055
Texas Farm Bureau$ 848
Texas Farm Bureau$ 848
USAA$ 978
USAA$ 978
Vermont Mutual$ 1020
Vermont Mutual$ 1020

Compare all 2015 MINI Hardtop 4 Door rates

Average Cost to Insure Per Year

$ 1148

List Price

$ 21700

Trims Available

Cooper - Cooper S