MINI Cooper car insurance at a glance:
MINI Cooper Insurance Costs by Company
A simple strategy like comparing car insurance costs from several insurers could result in significant savings for MINI Cooper drivers. In our evaluation of top insurance companies, Erie was the leading choice for the cheapest Cooper insurance. The second lowest-cost option in our evaluation was Nationwide.
Related: The best car insurance companies
MINI Cooper Insurance Costs by State
State variations in MINI Cooper auto insurance costs are typically related to past claims in the state, medical costs, repair costs, state regulations and more. Louisiana is the most expensive state for insuring a Cooper ($3,914 a year). Hawaii is the cheapest ($1,334 a year).
Cost of Insurance for a MINI Cooper Based on Driver Age
The cheapest age for insuring a MINI Cooper is 60, according to a Forbes Advisor analysis of rates.
The most expensive age to insure a Cooper is age 20.
There are several factors that go into calculating your own car insurance quotes. These typically include your driving record, your garaging address (where you keep the vehicle), annual mileage, your credit-based insurance score (car owners with lower credit pay more), your past auto insurance claims, the type of the car, any recent lapse in your vehicle insurance and the types and amount of coverage you choose.
Related: 9 Factors That Affect Your Car Insurance Rates
How to Save Money on MINI Cooper Car Insurance
There are several ways you can lower car insurance costs, such as:
- Compare auto insurance quotes. Car insurance companies have their own ways for pricing insurance for a Cooper. The best way to find a low rate is to compare car insurance quotes from several insurers.
- Find the right amount of car insurance. While you want to make sure you have enough insurance, you also don’t want to overpay for insurance you don’t need for a MINI Cooper. Here’s a guide to determining how much car insurance you need.
- Maintain the best possible credit score. Insurers in most states can use your credit-based insurance score as a factor in calculating rates. But not all insurers weigh this factor the same, which is why it’s wise to compare quotes.
- Raise your deductible. The higher your car insurance deductible, the less you pay in premiums. Common deductible amounts range from $250 to $2,000 or more.
Best Car Insurance Companies 2024
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.
Methodology
Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.
*USAA car insurance is available only to military members, veterans and their families.
Car Insurance Quotes For MINI Cooper
Via EverQuote’s website
