MINI Insurance Quotes

Find out what it costs to insure a MINI.

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How much does Mini insurance cost?

The benefits of owning a MINI go beyond its convenient size and fuel efficiency: it's also a relatively affordable car to insure. The average annual cost of car insurance for a MINI is $1,609 — with drivers often paying significantly less when they comparison shop.

You can save even more on MINI insurance by selecting Allied, Erie, or Nationwide which have been known to offer up to a 60% discount on the average cost of insurance for MINI vehicles. Your unique driving profile as well as the model you choose also impacts the insurance rate you pay. The MINI Paceman is the most expensive of the brand's models, while the MINI Cooper Hardtop is the most affordable to insure.

You can use The Zebra to quickly compare MINI insurance quotes across hundreds of insurance companies, finding the best coverage for the best price, specific to your vehicle.


Vehicle Model Average Annual Premium
Mini Cooper $1,603
Mini Countryman $1,515

Frequently asked questions:


1. How much is insurance for a Mini?

According to our data, the average cost of insurance for a Mini is $1,609 per year. However, actual costs depend on the model, location, driving history, and coverage preferences.

2. What kind of coverage do I need for my Mini?

Most states require drivers to carry liability insurance, which covers damages and injuries you may cause to others in an accident. We also recommend adding collision and comprehensive (full coverage) insurance for most vehicles worth $4,000+. 42% of The Zebra's Mini customers opt for state liability and collision and comprehensive (full) coverage.

3. Are Minis expensive to insure?

Insurance for Mini cars is, on average, 9% cheaper than the national average cost of car insurance.

MINI insurance rates by model: