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? 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 insurance facts

  • Average full coverage auto insurance premium: $134/month
  • Most affordable companies: Mercury  ($79/month) & Erie Insurance ($84/month)
  • Hardtop car insurance cost vs. average rate: $28 less expensive than the average vehicle

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

Risk factors affecting MINI Hardtop 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 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 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 Hardtop 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 Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1637
Acuity$1811
Allied$1748
Allstate$1426
American Family$1281
Country Financial$1499
Erie Insurance$1009
GEICO$1395
Kentucky Farm Bureau$1527
Liberty Mutual$1147
Mercury$965
Nationwide$1169
Progressive$1132
State Farm$1057
Tennessee Farmers$1327
Texas Farm Bureau$1217
The Hanover$1608
Travelers$1459

Compare all 2022 MINI Hardtop rates

Average Cost to Insure Per Year

$1612

List Price

$26900

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: turbocharged 134-hp 1.5-liter 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 Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1634
Acuity$1782
Allied$1684
Allstate$1364
American Family$1186
Country Financial$1429
Erie Insurance$932
GEICO$1287
Kentucky Farm Bureau$1577
Liberty Mutual$1065
Mercury$912
Nationwide$1080
Progressive$1024
State Farm$986
Tennessee Farmers$1254
Texas Farm Bureau$1142
The Hanover$1609
Travelers$1370

Compare all 2021 MINI Hardtop rates

Average Cost to Insure Per Year

$1443

List Price

$22400

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: turbocharged 134-hp 1.5-liter 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 Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1574
Allstate$1260
American Family$1189
Country Financial$1391
Erie$890
GEICO$1230
Kentucky Farm Bureau$1462
Liberty Mutual$1018
Mercury$832
Nationwide$1052
Progressive$986
State Farm$946
Tennessee Farmers$1205
Texas Farm Bureau$1070
The Hanover$1491
Travelers$1310

Compare all 2020 MINI Hardtop rates

Average Cost to Insure Per Year

$1462

List Price

$23400

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: turbocharged 134-hp 1.5-liter 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

2019 MINI Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1562
Allstate$1267
American Family$1146
Country Financial$1380
Erie$877
GEICO$1243
Kentucky Farm Bureau$1467
Liberty Mutual$1020
Mercury$842
Nationwide$1036
Progressive$956
State Farm$935
Tennessee Farmers$1179
Texas Farm Bureau$1087
The Hanover$1493
Travelers$1316

Compare all 2019 MINI Hardtop rates

Average Cost to Insure Per Year

$1289

List Price

$23200

Trims Available

Cooper - Cooper S - John Cooper Works - Base Engine: turbocharged 134-hp 1.5-liter 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 Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1571
Allstate$1240
American Family$1140
Country Financial$1371
Erie$860
GEICO$1210
Kentucky Farm Bureau$1462
Liberty Mutual$976
Mercury$816
Nationwide$1027
Progressive$928
State Farm$911
Tennessee Farmers$1166
Texas Farm Bureau$1063
The Hanover$1470
Travelers$1295

Compare all 2018 MINI Hardtop rates

Average Cost to Insure Per Year

$1206

List Price

$19200

Trims Available

Cooper - Cooper S - John Cooper Works

2017 MINI Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1533
Allstate$1220
American Family$1138
Country Financial$1365
Erie$840
GEICO$1213
Kentucky Farm Bureau$1420
Liberty Mutual$989
Mercury$835
Nationwide$1030
Progressive$931
State Farm$890
Tennessee Farmers$1168
Texas Farm Bureau$1070
The Hanover$1462
Travelers$1290

Compare all 2017 MINI Hardtop rates

Average Cost to Insure Per Year

$1230

List Price

$18600

Trims Available

Cooper - Cooper S - John Cooper Works

2013 MINI Hardtop

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 965
Acuity$ 965
Allied$ 1142
Allied$ 1142
American Family$ 1146
American Family$ 1146
Arbella$ 1091
Arbella$ 1091
Erie$ 896
Erie$ 896
GEICO$ 933
GEICO$ 933
Plymouth Rock Insurance$ 1021
Plymouth Rock Insurance$ 1021
State Farm$ 1162
State Farm$ 1162
Tennessee Farmers$ 996
Tennessee Farmers$ 996
Texas Farm Bureau$ 785
Texas Farm Bureau$ 785
USAA$ 917
USAA$ 917
Vermont Mutual$ 907
Vermont Mutual$ 907

Compare all 2013 MINI Hardtop rates

Average Cost to Insure Per Year

$ 1101

List Price

$ 19700

Trims Available

Cooper - Cooper S - John Cooper Works