MINI Cooper Insurance: by Model Year & Company
MINI Cooper insurance costs an average of $808 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest MINI Cooper at $119/mo or $713 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a MINI Cooper:
- The Cooper costs less to insure than most hatchbacks. Averaging $135/mo for the Cooper versus $164/mo for typical hatchbacks.
- If you're considering a vehicle similar to the Cooper, like the MINI Cooper Hardtop 2 Door ($205/mo), MINI Clubman ($173/mo), or MINI Roadster ($146/mo), your insurance costs will be cheaper.
- Progressive ($102/mo), USAA ($105/mo), Erie ($108/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,426 |
| GEICO |
$1,620 |
| American Family |
$1,625 |
| USAA |
$1,715 |
| State Farm |
$1,916 |
| Nationwide |
$1,918 |
| Erie |
$2,021 |
| Farmers |
$3,264 |
| Allstate |
$3,426 |
Compare all 2025 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$2,0442016 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,288 |
| USAA |
$1,304 |
| Erie |
$1,336 |
| American Family |
$1,378 |
| State Farm |
$1,465 |
| Nationwide |
$1,529 |
| GEICO |
$1,718 |
| Farmers |
$2,229 |
| Allstate |
$2,510 |
Compare all 2016 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$1,6752015 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,263 |
| Progressive |
$1,269 |
| Erie |
$1,278 |
| American Family |
$1,339 |
| GEICO |
$1,480 |
| State Farm |
$1,510 |
| Nationwide |
$1,712 |
| Farmers |
$2,161 |
| Allstate |
$2,379 |
Compare all 2015 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$1,6142014 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,153 |
| Erie |
$1,184 |
| USAA |
$1,258 |
| American Family |
$1,288 |
| State Farm |
$1,487 |
| GEICO |
$1,531 |
| Nationwide |
$1,629 |
| Farmers |
$2,042 |
| Allstate |
$2,365 |
Compare all 2014 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$1,5842013 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,126 |
| Progressive |
$1,163 |
| USAA |
$1,163 |
| American Family |
$1,217 |
| State Farm |
$1,311 |
| GEICO |
$1,473 |
| Nationwide |
$1,606 |
| Farmers |
$2,003 |
| Allstate |
$2,436 |
Compare all 2013 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$1,5412012 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,044 |
| USAA |
$1,065 |
| Progressive |
$1,165 |
| American Family |
$1,185 |
| State Farm |
$1,340 |
| GEICO |
$1,415 |
| Nationwide |
$1,547 |
| Farmers |
$1,932 |
| Allstate |
$2,459 |
Compare all 2012 MINI Cooper insurance rates.
Average Cost to Insure Per Year
$1,5052011 MINI Cooper
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,051 |
| Erie |
$1,082 |
| Progressive |
$1,100 |
| American Family |
$1,175 |
| GEICO |
$1,360 |
| State Farm |
$1,381 |
| Nationwide |
$1,605 |
| Farmers |
$1,894 |
| Allstate |
$2,418 |