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 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 Convertible insurance facts

  • Average full coverage auto insurance premium: $127/month
  • Most affordable companies: Allied Insurance ($82/month) & Texas Farm Bureau ($89/month)
  • Convertible car insurance cost vs. average rate: $39 less expensive than the average vehicle

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

Risk factors affecting MINI Convertible 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 Convertible 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 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 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 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 Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1724
Acuity$1830
Allied Insurance$989
Allstate$1531
American Family$1411
Arbella$1430
Country Financial$1601
GEICO$1359
Kentucky Farm Bureau$1121
Liberty Mutual$1235
Mercury$1489
Nationwide$1284
Progressive$1169
Quincy Mutual$1649
State Farm$1056
Texas Farm Bureau$1035
The Hanover$1706
Travelers$1567

Compare all 2022 MINI Convertible rates

Average Cost to Insure Per Year

$1534

List Price

$27900

Trims Available

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1684
Acuity$1756
Allied Insurance$953
Allstate$1329
American Family$1257
Arbella$1279
Country Financial$1488
GEICO$1206
Kentucky Farm Bureau$1081
Liberty Mutual$1164
Mercury$1306
Nationwide$1190
Progressive$1131
Quincy Mutual$1530
State Farm$1055
Texas Farm Bureau$994
The Hanover$1624
Travelers$1421

Compare all 2021 MINI Convertible rates

Average Cost to Insure Per Year

$1436

List Price

$27400

Trims Available

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

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 Convertible rates

Average Cost to Insure Per Year

$1420

List Price

$28400

Trims Available

Cooper - Cooper S - John Cooper Works

2019 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1529
Allied Insurance$911
Allstate$1245
American Family$1149
Arbella$1181
Country Financial$1289
GEICO$1134
Kentucky Farm Bureau$1040
Liberty Mutual$1060
Mercury$1268
Nationwide$1080
Quincy Mutual$1352
State Farm$990
Texas Farm Bureau$933
The Hanover$1438
Travelers$1267

Compare all 2019 MINI Convertible rates

Average Cost to Insure Per Year

$1386

List Price

$27750

Trims Available

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1498
Allied Insurance$890
Allstate$1236
American Family$1138
Arbella$1174
Country Financial$1280
GEICO$1120
Kentucky Farm Bureau$1033
Liberty Mutual$1054
Mercury$1252
Nationwide$1076
Quincy Mutual$1329
State Farm$987
Texas Farm Bureau$923
The Hanover$1420
Travelers$1240

Compare all 2018 MINI Convertible rates

Average Cost to Insure Per Year

$1297

List Price

$26195

Trims Available

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

2017 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1201
Acuity$ 1201
Allied$ 1312
Allied$ 1312
Arbella$ 1351
Arbella$ 1351
Erie$ 1099
Erie$ 1099
GEICO$ 1394
GEICO$ 1394
Mercury$ 1394
Mercury$ 1394
Plymouth Rock Insurance$ 1183
Plymouth Rock Insurance$ 1183
Progressive$ 1280
Progressive$ 1280
Tennessee Farmers$ 1196
Tennessee Farmers$ 1196
Texas Farm Bureau$ 820
Texas Farm Bureau$ 820
USAA$ 1140
USAA$ 1140
Vermont Mutual$ 1221
Vermont Mutual$ 1221

Compare all 2017 MINI Convertible rates

Average Cost to Insure Per Year

$ 1153

List Price

$ 25950

Trims Available

Cooper - Cooper S - John Cooper Works

2016 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 791
Allied$ 791
American Family$ 988
American Family$ 988
Erie$ 748
Erie$ 748
Farmers$ 1033
Farmers$ 1033
GEICO$ 499
GEICO$ 499
Nationwide$ 855
Nationwide$ 855
Progressive$ 387
Progressive$ 387
Safeco$ 892
Safeco$ 892
State Farm$ 517
State Farm$ 517
Texas Farm Bureau$ 785
Texas Farm Bureau$ 785
USAA$ 660
USAA$ 660
Vermont Mutual$ 863
Vermont Mutual$ 863

Compare all 2016 MINI Convertible rates

Average Cost to Insure Per Year

$ 732

List Price

$ 25950

Trims Available

Cooper - Cooper S

2015 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1038
Acuity$ 1038
Allied$ 1037
Allied$ 1037
American Family$ 1145
American Family$ 1145
Country$ 1182
Country$ 1182
Erie$ 956
Erie$ 956
GEICO$ 993
GEICO$ 993
Plymouth Rock Insurance$ 1095
Plymouth Rock Insurance$ 1095
State Farm$ 1156
State Farm$ 1156
Tennessee Farmers$ 1036
Tennessee Farmers$ 1036
Texas Farm Bureau$ 843
Texas Farm Bureau$ 843
USAA$ 1014
USAA$ 1014
Vermont Mutual$ 983
Vermont Mutual$ 983

Compare all 2015 MINI Convertible rates

Average Cost to Insure Per Year

$ 1147

List Price

$ 25700

Trims Available

Cooper - Cooper S - John Cooper Works

2014 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1064
Acuity$ 1064
Allied$ 1048
Allied$ 1048
American Family$ 1164
American Family$ 1164
Arbella$ 1268
Arbella$ 1268
Country$ 1188
Country$ 1188
Erie$ 979
Erie$ 979
GEICO$ 1242
GEICO$ 1242
Plymouth Rock Insurance$ 1062
Plymouth Rock Insurance$ 1062
Tennessee Farmers$ 1072
Tennessee Farmers$ 1072
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 995
USAA$ 995
Vermont Mutual$ 1019
Vermont Mutual$ 1019

Compare all 2014 MINI Convertible rates

Average Cost to Insure Per Year

$ 1022

List Price

$ 25150

Trims Available

Cooper - Cooper S - John Cooper Works

2013 MINI Convertible

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1034
Acuity$ 1034
Allied$ 1164
Allied$ 1164
American Family$ 1156
American Family$ 1156
Erie$ 940
Erie$ 940
GEICO$ 1045
GEICO$ 1045
Plymouth Rock Insurance$ 1050
Plymouth Rock Insurance$ 1050
Progressive$ 1175
Progressive$ 1175
State Farm$ 1132
State Farm$ 1132
Tennessee Farmers$ 1065
Tennessee Farmers$ 1065
Texas Farm Bureau$ 854
Texas Farm Bureau$ 854
USAA$ 913
USAA$ 913
Vermont Mutual$ 996
Vermont Mutual$ 996

Compare all 2013 MINI Convertible rates

Average Cost to Insure Per Year

$ 1131

List Price

$ 25150

Trims Available

Cooper - Cooper S - John Cooper Works