The Cheapest Car Insurance for a Mini Cooper

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Drivers of the most recent Mini Cooper model pay an average of $1,508 per year for car insurance, but you might find cheaper coverage if you shop around.

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Nerdy takeaways
  • The cheapest insurance company for a 2022 Mini Cooper is State Farm at $833 per year, on average.

  • The Mini Cooper costs an average of $1,508 per year to insure.

  • That works out to a car insurance rate of $126 per month.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. Read our methodology.

Jump to your Model Year

The vehicle you drive plays a big role in determining how much you pay for auto insurance. Insurers set rates based on factors like how expensive a vehicle’s repair costs are, how often a car is broken into or stolen, and even the likelihood of a vehicle getting into an accident. The cheapest cars to insure usually don’t cost as much to repair after a claim, while those with higher repair costs — like luxury vehicles and sporty models — tend to be more expensive to insure.

Auto insurance rates vary by company, so shopping around and comparing quotes from multiple insurers is the best way to find cheap car insurance.

How much does Mini Cooper insurance cost?

The average cost for Mini Cooper insurance in 2022 is $126 per month, according to NerdWallet’s most recent analysis of full coverage insurance rates. But each model year will likely have different insurance costs. Check out the table below to see the average insurance cost by model year.

Year
Cost
2022$1,508
2021$1,494
2020$1,495
2019$1,477
2018$1,457
2017$1,354
2016$1,321
2015$1,306
2014$1,244
2013$1,207

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Cheapest insurance for a 2022 Mini Cooper

The average cost of car insurance for Mini Cooper is $1,508 per year, but you may be able to find cheaper rates if you shop around and compare quotes from multiple insurance companies.

Here are the cheapest car insurance companies for a 2022 Mini Cooper.

Company
Cost
NerdWallet Rating
State Farm$833
NerdWallet rating 

5.0

/5
Geico$903
NerdWallet rating 

4.5

/5
Travelers$1,048
NerdWallet rating 

5.0

/5
American Family$1,149
NerdWallet rating 

5.0

/5
Nationwide$1,294
NerdWallet rating 

4.5

/5

>> MORE: Estimate car insurance

Cheapest insurance for a 2021 Mini Cooper

Our analysis found that the average auto insurance cost for a Mini Cooper is $1,494 per year, which is 0.91% less to insure than the 2022 model. But shopping around and comparing quotes from multiple insurers may help you get an even lower rate.

Here are the cheapest insurance companies for a 2021 Mini Cooper.

Company
Cost
NerdWallet Rating
State Farm$823
NerdWallet rating 

5.0

/5
Travelers$1,044
NerdWallet rating 

5.0

/5
American Family$1,136
NerdWallet rating 

5.0

/5
Nationwide$1,318
NerdWallet rating 

4.5

/5
Geico$1,340
NerdWallet rating 

4.5

/5

>> MORE: Types of car insurance

Cheapest insurance for a 2020 Mini Cooper

The average car insurance rate for a 2020 Mini Cooper is $1,495 per year, but you might find even cheaper rates by shopping around and comparing quotes from multiple insurance companies.

Here are the cheapest insurers for a 2020 Mini Cooper.

Company
Cost
NerdWallet Rating
State Farm$815
NerdWallet rating 

5.0

/5
Travelers$1,044
NerdWallet rating 

5.0

/5
American Family$1,123
NerdWallet rating 

5.0

/5
Geico$1,317
NerdWallet rating 

4.5

/5
Progressive$1,379
NerdWallet rating 

5.0

/5

>> MORE: Car insurance quotes: How to shop and compare online

Cheapest insurance for a 2019 Mini Cooper

NerdWallet’s analysis found that the average cost of insurance for a 2019 Mini Cooper is $1,477. But you can typically find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest car insurance companies for a 2019 Mini Cooper.

Company
Cost
NerdWallet Rating
State Farm$809
NerdWallet rating 

5.0

/5
Travelers$1,042
NerdWallet rating 

5.0

/5
American Family$1,108
NerdWallet rating 

5.0

/5
Geico$1,305
NerdWallet rating 

4.5

/5
Progressive$1,367
NerdWallet rating 

5.0

/5

>> MORE: The average cost of car insurance

Cheapest insurance for a 2018 Mini Cooper

The average cost to insure a 2018 Mini Cooper is $1,457. But you might find even cheaper rates if you compare car insurance quotes from multiple companies.

Here are the cheapest insurers for a 2018 Mini Cooper.

Company
Cost
NerdWallet Rating
State Farm$809
NerdWallet rating 

5.0

/5
Travelers$1,028
NerdWallet rating 

5.0

/5
American Family$1,092
NerdWallet rating 

5.0

/5
Geico$1,284
NerdWallet rating 

4.5

/5
MetLife$1,347
NerdWallet rating 

4.5

/5

>> MORE: The cheapest full coverage car insurance

Cheapest insurance for a 2017 Mini Cooper

Nerdwallet’s analysis found that the average cost to insure a 2017 Mini Cooper is $1,354. But you can likely get even cheaper rates if you compare quotes from a few different insurance companies.

Here are the cheapest insurers for a 2017 Mini Cooper.

Company
Cost
NerdWallet Rating
Erie$649
NerdWallet rating 

4.0

/5
USAA$771
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,059
NerdWallet rating 

5.0

/5
Farmers$1,090
NerdWallet rating 

4.5

/5
American Family$1,124
NerdWallet rating 

5.0

/5

>> MORE: The best cheap car insurance

Cheapest insurance for a 2016 Mini Cooper

A 2016 Mini Cooper costs an average of $1,321 to insure, per year. But you might find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest insurers for a 2016 Mini Cooper.

Company
Cost
NerdWallet Rating
Erie$629
NerdWallet rating 

4.0

/5
USAA$748
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,028
NerdWallet rating 

5.0

/5
Farmers$1,063
NerdWallet rating 

4.5

/5
American Family$1,105
NerdWallet rating 

5.0

/5

>> MORE: Cheap car insurance companies

Cheapest insurance for a 2015 Mini Cooper

Our analysis found that a 2015 Mini Cooper will cost an average of $1,306. But shopping around and comparing quotes from multiple insurers may get you an even lower rate.

Here are the cheapest companies for a 2015 Mini Cooper.

Company
Cost
NerdWallet Rating
Erie$704
NerdWallet rating 

4.0

/5
USAA$742
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$999
NerdWallet rating 

5.0

/5
State Farm$1,067
NerdWallet rating 

5.0

/5
Geico$1,082
NerdWallet rating 

4.5

/5

>> MORE: Your guide to car insurance discounts

Cheapest insurance for a 2014 Mini Cooper

Our analysis found that a 2014 Mini Cooper costs an average rate of $1,244 per year to insure. But you could find even cheaper insurance if you shop around to compare quotes from multiple insurers.

Here are the cheapest car insurance companies for a 2014 Mini Cooper.

Company
Cost
NerdWallet Rating
Erie$579
NerdWallet rating 

4.0

/5
USAA$684
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$913
NerdWallet rating 

5.0

/5
Farmers$991
NerdWallet rating 

4.5

/5
Nationwide$1,028
NerdWallet rating 

4.5

/5

>> MORE: How to save on car insurance

Cheapest insurance for a 2013 Mini Cooper

Our analysis found that a 2013 Mini Cooper costs 24.92% less than a 2022 model, with an average rate of $1,207. But you can typically find even cheaper rates by comparing quotes from multiple insurance companies.

Here are the cheapest auto insurers for a 2013 Mini Cooper.

Company
Cost
NerdWallet Rating
Erie$561
NerdWallet rating 

4.0

/5
USAA$663
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$922
NerdWallet rating 

5.0

/5
State Farm$949
NerdWallet rating 

5.0

/5
Farmers$960
NerdWallet rating 

4.5

/5

>> MORE: The best cheap auto insurance

Methodology

NerdWallet averaged insurance estimates for this vehicle in all ZIP codes in any of the 50 states and Washington, D.C., where rates are available. Our sample profile is a 35-year-old driver with good credit and no tickets or violations. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

We averaged rates between male and female drivers and assumed 12,000 annual miles driven. These are average rates, and your rate will vary based on your personal details, state and insurance provider.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

These are rates generated through Quadrant Information Services. Your own rates will be different.