MINI Auto Insurance (2024)
MINI auto insurance averages $132/mo, meaning quotes are lower than the national average. The cost to insure a MINI is low because of its safety and affordability. Below, we'll help you find the best and cheapest auto insurance coverage for MINIs by evaluating rates from the top companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- On average, MINI auto insurance costs are $132 per month for full coverage, less than the national average
- Younger drivers and drivers with poor driving records will pay the most for MINI auto insurance policies
- To find the cheapest auto insurance for MINIs, compare quotes from the best auto insurance companies
MINI auto insurance rates cost around $132 for full coverage, or $37 for a liability auto insurance policy. However, the top MINI car insurance companies consider vehicle type and other factors when setting rates.
For example, companies will consider your MINI’s value, susceptibility to theft, and crash ratings. So, that’s good news when looking for MINI auto insurance quotes.
Although you’ll probably pay less for MINI car insurance, researching your options can help you find cheap auto insurance. Read on to learn where to find the cheapest MINI auto insurance rates and see how much car insurance costs for a MINI. Then, enter your ZIP code above to compare the best auto insurance quotes for MINIs with the top companies to find the best price for you.
MINI Auto Insurance Coverage Options
No matter what car you own, you must meet your state’s minimum auto insurance requirements for liability coverage. Consisting of bodily injury liability and property damage liability, liability insurance pays for other parties’ accident bills if you cause an accident.
In addition, your state may also require you to carry insurance coverages like personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist insurance.
If you have a lease or loan on your MINI, your lender will require you to carry collision auto insurance and comprehensive auto insurance. Collision auto insurance for a MINI will pay for your car’s repairs if you crash into another vehicle or object. In contrast, comprehensive insurance will pay for repairs if you crash into an animal or your MINI gets damaged by weather, vandalism, or falling objects.
Therefore, even if you aren’t required to carry collision or comprehensive insurance, we recommend carrying these coverages to protect you better on the road. You may want to consider other coverages your insurance company may offer to round out your auto insurance policy, including:
- Gap insurance
- Modified car insurance
- New car replacement insurance
- Rental car reimbursement insurance
- Rideshare insurance
- Roadside assistance coverage
- Umbrella Insurance
Make sure to consider your specific needs when shopping for car insurance. For example, if your car isn’t prone to breaking down and you are fine paying out of pocket in an emergency breakdown, you won’t want to pay extra monthly for roadside assistance insurance.
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Auto Insurance Rates for MINIs
There are various factors that affect auto insurance rates for MINIs, such as your choice of insurance company, your driving record, and your model of MINI. We’ll go over all these factors below.
MINI Auto Insurance Rates by Company
Choosing a company that is cheaper on average will help you save, regardless of what car you drive. Take a look at the table below to see what some of the cheaper companies on the market are for car insurance policies.
MINI Auto Insurance Monthly Rates by Provider
| Company | Range |
|---|---|
| USAA | $75 - $100 |
| Geico | $83 - $117 |
| Nationwide | $92 - $125 |
| State Farm | $92 - $133 |
| American Family | $92 - $133 |
| Farmers | $100 - $142 |
| Progressive | $108 - $150 |
For most drivers, cheaper companies include Geico, State Farm, and USAA. However, USAA is only for military members and veterans, so even though it’s one of the cheapest companies on the market, it only sells to a limited pool of drivers.
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If you don’t qualify for USAA, we recommend getting quotes from different auto insurance companies for your MINI, starting with the companies with the cheapest averages. Comparing quotes will help you find the cheapest company for you based on your personalized driving profile and coverage needs.
MINI Auto Insurance Rates by Model
The model of the MINI you own is another factor affecting your cost to insure a MINI. An older model with a low value won’t cost as much to insure as a brand-new MINI. More expensive models will also cost more to insure, as insurance companies must pay more for repair parts or a replacement vehicle if yours gets totaled.
A MINI hardtop four-door model costs slightly more to insure than the other models of MINI. However, a MINI convertible, the cheapest model to insure on our list, costs about $20 less on average a month to insure than the MINI hardtop four-door.
Of course, other factors go into determining your rates beyond just the model MINI you have. For example, your age and driving record will also affect your rates.
High-risk drivers, including those with at-fault accidents, traffic tickets, or DUIs, will pay more for insurance for a MINI than drivers with clean records. Younger drivers will also pay more, as insurance companies view them as high risk due to their experience, which makes them more likely to crash and file an auto insurance claim. Learn more about high-risk auto insurance.
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If younger drivers keep a clean driving record, though, they will see their MINI auto insurance rates drop in their 20s and 30s. Rates will also decrease again when drivers retire, as their annual mileage goes down once they no longer commute to and from work. Read more about auto insurance for young adults.
Ways to Save on MINI Auto Insurance Coverage
If you’ve shopped around for auto insurance rates for your MINI and still want to reduce your rates further, there are a few other things you can try.
- Apply for discounts. Not all auto insurance discounts automatically apply to your auto insurance policy, so there may be discounts you can apply for to reduce your auto insurance rates, such as a good student discount.
- Bundle your insurance policies. If an insurance company sells more than one type of auto insurance, there’s a good chance it offers a bundling discount if you purchase more than one type of insurance, such as condo and auto insurance. Read more about how to save money by bundling insurance policies.
- Carry minimum liability auto insurance if your MINI is older. Suppose your MINI’s value significantly depreciates. In that case, you may want to carry only minimum liability insurance if you wouldn’t face a significant financial loss if your MINI gets damaged or totaled.
- Raise your deductible. You can also raise auto insurance deductibles to reduce your rates. However, never raise it beyond an amount you can’t pay out of pocket after an accident.
Maintaining a clean driving record will also help keep your auto insurance rates low since you’re proving that you’re a low-risk driver less likely to file a claim at your auto insurance company.
MINI Auto Insurance: Find the Best and Cheapest Policy Today
Finding the best auto insurance for your MINI requires a bit of groundwork, as getting quotes and comparing auto insurance rates is the best way to find savings. You can also apply for MINI insurance discounts, bundle insurance coverages, raise your deductible, and more.
If you want to quickly and easily find the best auto insurance rate for your MINI, enter your ZIP code into our free quote comparison tool below. It will compare MINI auto insurance costs from top companies in your area to help you find the best rate and coverage for your needs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How much does car insurance cost for a MINI?
On average, a full coverage policy for a MINI costs less than $200 per month. However, rates will change based on your MINI model, coverages, driving record, and more, so these averages are just guidelines that show what most insurance companies charge drivers.
Do auto insurance companies consider MINIs luxury cars?
Yes, MINIs are considered luxury cars even though they may not be considered as flashy as other brands like Mercedes.
Will the make and model of a MINI affect auto insurance rates?
Yes, the make and model will affect your auto insurance rates. A newer, more expensive MINI will cost more to insure than an older MINI that has depreciated in value.
What is MINI Auto Insurance?
MINI Auto Insurance refers to a type of auto insurance coverage specifically designed for small or compact vehicles, commonly known as “MINI Cars.” It provides insurance protection for these vehicles against various risks, including accidents, theft, and property damage.
Are there any specific considerations when insuring a MINI car?
When insuring a MINI car, there are a few considerations to keep in mind. Due to the smaller size and potentially higher risk of damage, collision and comprehensive coverage may be of particular importance for MINI cars. It’s also essential to review the policy’s limits and deductibles to ensure they provide adequate protection for your specific vehicle.
Are MINI cars generally more expensive to insure?
The cost of insurance for a MINI car can vary depending on several factors, including the model, make, age, and safety features of the vehicle, as well as the driver’s profile. In some cases, MINI cars may be more affordable to insure due to their lower market value and potentially lower repair costs. However, it’s always recommended to compare insurance quotes from multiple providers to find the best coverage and price for your MINI car.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.