The majority of states require insurance. You will need to purchase a policy when buying or leasing a MINI Cooper or any other MINI. The vehicle you buy will impact the cost of your auto insurance. You should know the costs before you decide to purchase a MINI Cooper or any MINI.
Auto insurance companies can predict MINI auto insurance rates because your car plays an important role in your insurance rate. We looked at car insurance costs for MINI Cooper owners as well as those who own a variety of MINI models to give you an idea of the approximate cost. We compared the average rates for:
- MINI Cooper
- MINI Clubman
- MINI Countryman
- MINI JCW
We compared rates from different auto insurers to get you an idea of the price you can expect to pay depending on which MINI model you choose.
MINI Cooper: The cheapest car insurance
MINI Cooper was the first model to put MINI on the map. It has evolved a lot from the small, affordable car that they launched in 1959. The MINI Cooper today can be equipped with four doors and an impressively spacious interior. Auto insurance for MINI Cooper drivers is quite affordable. To give you an idea about the cost of MINI Cooper car insurance, we compared rates from the top car insurance companies. USAA offers full coverage at an average annual premium of $1,050. However, they only offer coverage to military personnel, veterans, and their immediate families. Amica is the next-cheapest full coverage, offering insurance to all, while Erie costs more for MINI Cooper insurance.
MINI Clubman: The cheapest car insurance
MINI Clubman brings the Cooper’s features to a higher level. It offers drivers more sophisticated interior cabin design and premium finishes. These premium finishes will cost you a bit more than coverage, but it is still significantly cheaper than the insurance on MINI Cooper Clubman models. USAA is once again the most affordable annual full coverage rate. However, Erie offers the best coverage for those who don’t qualify for USAA.
MINI Countryman: The cheapest car insurance
The Countryman is a MINI with more cargo space than MINIs. The Countryman offers more cargo space and headroom that other MINI models while costing less than JCW or MINI Clubman models. USAA is outranked by Geico for the cheapest annual full-coverage premium, while State Farm provides the most comprehensive coverage among our listed companies.
MINI JCW has the lowest car insurance rates
The MINI JCW (short form for John Cooper Works), could be the right choice for you if you are looking for the performance and power of a sports car, but without the high insurance costs. The MINI JCW is a tribute to MINI’s racing heritage. Current models feature a turbocharged 228-horsepower engine and an aero body kit. USAA is once again the most affordable option for those who qualify. Amica offers the next-cheapest coverage.
MINI Cooper also has other car insurance
You might consider getting quotes from other companies if you own a MINI but pay more for insurance than what we have outlined. Switching to new insurance providers can be simpler than you think.
You have the option of driving a MINI with only the state-required insurance. However, this usually doesn’t protect you from any damage caused by other drivers. You might also want to look into the following coverages:
- Collision coverage for MINI repairs if you are involved in an accident.
- Comprehensive coverage To pay for a MINI replacement vehicle in the event of theft or damage from a tree branch or vandalism (basically, any loss not related to driving).
- Uninsured/underinsured motorist coverage in case another driver who hits your MINI does not have sufficient coverage for the repairs — or any coverage at all.
These are just some examples. Explore all your options to ensure you have the right protection for you and your vehicle. Instead of sacrificing the coverage you need, you can get quotes from companies offering cheap auto insurance, and then take steps to reduce your premiums.
These include taking public transport, biking or driving safely. You could also add anti-theft devices to your MINI. The rates offered by car insurance companies will vary depending on your driving habits and other factors. You can control what you can do and get multiple quotes to get the best price on MINI Cooper models car insurance.