Best MINI Car Insurance Rates in 2024 (Find the Top 10 Companies Here!)
Progressive, USAA, and Allstate have the best MINI car insurance rates. At Progressive, minimum coverage is an average of $79/mo for MINIs. Factors that affect your MINI insurance costs include how much coverage you want, where you live, and how old your MINI is. A brand new MINI will have higher rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for MINI
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for MINI
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for MINI
A.M. Best Rating
Complaint Level
Pros & Cons
Progressive, USAA, and Allstate have the best MINI car insurance rates.
MINI drivers often enjoy low average car insurance rates. MINI’s high safety ratings, reliability, and overall handling lead to lower insurance rates.
Our Top 10 Company Picks: Best MINI Car Insurance Rates
Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | A+ | Online Convenience | Progressive | |
#2 | 10% | A+ | Military Savings | USAA | |
#3 | 10% | A+ | Add-on Coverages | Allstate | |
#4 | 8% | A++ | Accident Forgiveness | Travelers | |
#5 | 12% | A | Customizable Polices | Liberty Mutual | |
#6 | 15% | A++ | Cheap Rates | Geico | |
#7 | 10% | A++ | Usage Discount | Nationwide | |
#8 | 17% | B | Many Discounts | State Farm | |
#9 | 10% | A | Student Savings | American Family | |
#10 | 10% | A | Local Agents | Farmers |
Whether you want full coverage for a brand-new MINI or are considering liability-only for an older model, you’ll likely see affordable rates. Comparing the best full coverage car insurance against the minimum requirements set by your state can help you determine how much coverage you want and where to find the most affordable policy
Read on to learn more about MINI car insurance rates and where to find the best coverage for you, then compare rates with as many companies as possible using our free tool to ensure you get the best price.
- Progressive has the best MINI auto insurance quotes and coverage
- MINI insurance rates are usually low, but a few models have more expensive rates
- MINI drivers can find even lower insurance rates by taking advantage of discounts
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#1 – Progressive: Top Pick Overall
Pros
- Online Convenience: MINI policyholders will be able to do most tasks online. Learn more in our Progressive review.
- Budget Shopping: Progressive’s free Name Your Price tool can help MINI owners on a budget.
- Snapshot: Progressive’s UBI program offers discounts to MINI drivers who participate.
Cons
- Snapshot Rate Increases: Poor drivers could have rate increases after the program.
- Customer Reviews: Progressive isn’t the highest-rated company for customer service.
#2 – USAA: Best for Military Savings
Pros
- Military Savings: MINI drivers who are military or veterans will find the best deals at USAA.
- SafePilot: USAA’s UBI program offers discounts to participating drivers.
- Customer Service: There are high ratings for USAA’s customer service.
Cons
- Add-On Coverages: USAA has less add-on options. See what coverages are sold in our USAA review.
- Eligibility: Service members or veterans are the only drivers who can purchase USAA insurance.
#3 – Allstate: Best for Add-On Coverages
Pros
- Add-On Coverages: Allstate sells extras like rental reimbursement coverage. Read our Allstate review for a full list of coverages.
- Pay-Per-Mile Rates: Pay by the mile for your MINI auto insurance with Milewise. Learn more in our Allstate Milewise review.
- Online Convenience: Acura owners can do most tasks online.
Cons
- Customer Reviews: Customers have filed a higher-than-normal number of complaints.
- High-Risk Rates: Rates will be the most affordable for MINI drivers who aren’t high-risk drivers.
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#4 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers won’t raise rates for a qualifying accident.
- Availability: MINI auto insurance policies are sold in every state. Read more in our Travelers review.
- IntelliDrive Program: Participants can earn reduced MINI rates.
Cons
- Limited Local Agents: Local assistance is limited.
- IntelliDrive Rates: Bad driving in the program could result in MINI rate increases.
#5 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual’s options make it simple to customize a MINI policy. Check out coverage options in our Liberty Mutual review.
- Accident Forgiveness: MINI drivers may be forgiven an accident.
- RightTrack: Liberty Mutual’s UBI program RightTrack offers discounts to participants.
Cons
- Claims Satisfaction: Claims services don’t always have the best customer ratings.
- Telematics Tracking: RightTrack tracks driving data before issuing MINI drivers discounts.
#6 – Geico: Best for Cheap Rates
Pros
- Cheap Rates: Geico has some of the most affordable MINI car insurance rates for good drivers.
- Online Tools: Geico offers great online tools for managing policies. Learn more in our Geico review.
- Financial Rating: The company has the highest possible rating for its financial reliability.
Cons
- Limited Local Agents: MINI drivers likely won’t have access to a local agent.
- Add-On Coverages: Geico doesn’t offer extras like gap coverage.
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#7 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Participate in Nationwide’s UBI program for Nationwide car insurance discounts.
- Deductible Options: Nationwide offers several deductible options for policies.
- Pay-Per-Mile Rates: Get cheap MINI insurance policies with SmartMiles by Nationwide.
Cons
- DUI Rates: MINI insurance rates will be high for DUI drivers.
- Limited Local Agents: Nationwide doesn’t have local agents near every MINI driver.
#8 – State Farm: Best for Many Discounts
Pros
- Many Discounts: MINI policyholders should be able to apply at least a few discounts to their rates. See what is offered in our State Farm review.
- Customizable Policies: Local agents can assist customers with customizing their MINI insurance policies.
- Local Agents: A great perk for MINI drivers who want personalized assistance.
Cons
- Online Tools: Online tools are limited due to the focus on local agent assistance.
- Bad Credit Rates: Poor credit scores will raise MINI rates in some states.
#9 – American Family: Best for Student Savings
Pros
- Student Savings: American Family has discounts for students on MINI insurance policies.
- Coverage Options: Customers can add several extras to MINI policies, which you can read about in our American Family review.
- Loyalty Rewards: MINI customers can get a discount for staying with the company.
Cons
- Availability: American Family may not be sold in some MINI drivers’ states.
- High-Risk Rates: Customers with clean driving records will get the cheapest MINI car insurance rates.
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#10 – Farmers: Best for Local Agents
Pros
- Local Agents: There is a fair amount of local Farmers agents available in most states.
- Discount Variety: Discounts are plentiful at Farmers, so MINI drivers will have multiple saving options.
- Coverage Options: Farmers has extras, like breakdown assistance, that MINI policyholders can add to their policy.
Cons
- Online Tools: Customers must contact Farmers’ representatives for some actions.
- Customer Satisfaction: Customer service has mixed customer reviews. Read more in our Farmers review.
Average MINI Car Insurance Rates
The average MINI driver pays about $138 a month for car insurance. MINIs are affordable cars, with some models starting at a little less than $30,000. The MINI affordability is one reason why insurance rates are so low — affordable cars are easier to repair and replace.
MINI also has a reputation for including helpful safety features and responsive handling that gets drivers out of sticky situations. Solid safety features and handling means you’re less likely to get into an accident, so insurance companies charge a little less for coverage.
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While many factors make car insurance more expensive, your MINI’s price tag will have a big impact. Below is a table that showcases the difference between a minimum coverage policy and full coverage insurance to give you an idea of how much rates will fluctuate.
MINI Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $87 | $177 |
American Family | $95 | $182 |
Farmers | $100 | $195 |
Geico | $90 | $181 |
Liberty Mutual | $97 | $186 |
Nationwide | $82 | $174 |
Progressive | $79 | $198 |
State Farm | $86 | $190 |
Travelers | $92 | $194 |
USAA | $99 | $201 |
Like other brands, MINI insurance rates vary by model, which is one factor that affects how much you will pay for coverage. Insurance companies will also look at your location, your driving record, and your age when determining your rates.
Comparing Mini Car Insurance Rates by Model
Quickly compare car insurance rates for Mini models including Cooper, Cooper Coupe, and Electric Hardtop. Start now to find the best rates for your Mini.
Compare Mini Car Insurance Rates by Model |
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MINI Cooper |
MINI Cooper Coupe |
MINI Electric Hardtop |
While the Hardtop 4-Door MINI has the highest insurance rates, you’ll pay even more if you choose the more expensive trim level. Compare MINI Electric Hardtop car insurance rates to find affordable coverage.
MINI Car Insurance Coverage Options
When you buy car insurance, you’ll have two main options – minimum insurance and full coverage.
Minimum insurance is your cheapest option for MINI coverage, but it lacks the protection of full coverage. Minimum insurance amounts are set by local laws, with some states requiring much more than others.
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Full coverage is a suite of coverage types that offers relatively complete protection for your car. It costs more than minimum insurance, but many drivers feel like the coverage is worth it.
When you buy full coverage, you’re purchasing the following types of insurance:
- Liability: Liability insurance is the most commonly required type of car insurance. It pays for injuries and damages you cause in an at-fault accident. Comparing liability car insurance coverage against a full coverage policy is a great way to start shopping.
- Collision: If you want help with car repairs after hitting someone or something, you need collision coverage on car insurance to cover these costs.
- Personal Injury Protection/Medical Payments: Medical payments and personal injury protection insurance pay health care expenses for you and your passengers after an accident.
- Uninsured/Underinsured Motorist: Uninsured motorist insurance protects you against drivers without enough coverage. It also pays for your repairs when you’re the victim of a hit-and-run.
- Comprehensive: Comprehensive car insurance covers damage to your car from things like fire, floods, theft, vandalism, animals, and extreme weather.
These are the basic types of car insurance most drivers select for their coverage. Most companies offer add-ons to increase the value of your coverage. Popular add-ons for MINI drivers include gap insurance, new car replacement coverage, and roadside assistance.
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Lowering Your MINI Car Insurance Rates
The average MINI driver pays less than the national average for car insurance, though some models cost more than others. Even though MINI insurance is generally affordable, there are ways to save even more. For example, drivers can save a significant amount on their insurance by finding the right discounts. Popular discounts for MINI drivers include remaining claims-free, bundling policies, and taking a driver’s education course.
In addition, try the following tips to save money on your MINI car insurance rates:
- Raise Deductibles: Raising the amount you need to pay when you file a claim will decrease your rates, but you’ll be financially responsible for more from your own pocket.
- Lower Coverage: Depending on your MINI, you might be able to lower your coverage to save. However, you should only lower your coverage if your car is worth a few thousand dollars or less.
- Enroll in Telematics: Usage-based insurance can help you save up to 40% if you don’t mind being tracked. However, you should skip this option if you regularly speed, drive late at night, or put a lot of miles on your car.
- Drive Safe: One of the easiest ways to save on car insurance is to avoid traffic violations. Having even a single speeding ticket on your record can increase your rates by 25%.
- Increase Vehicle Safety: Your insurance will be a little cheaper if your car has safety features like GPS tracking or audible alarms. Some insurance companies will offer a safety feature car insurance discount if your car has less of a chance of being stolen.
While the tips listed above are excellent ways to keep your car insurance rates low, the most important step to take is comparing quotes. You can get quotes directly from Geico and other companies.
Insurance companies use unique formulas to determine rates, and it’s difficult to guess where you’ll find the lowest prices. You should also periodically check car insurance rates even when you have a policy to make sure you’re still getting a good price.
Find the Best MINI Car Insurance Quotes Today
MINIs strike a unique figure on the road, but that’s not all this little car has to offer. From superb handling to solid safety features, a MINI is a car you can rely on. It’s also a car with low average insurance rates, which is a great place to start when you want to keep your budget tight. Other ways to get lower car insurance rates include finding car insurance discounts and raising your deductible.
Of course, no method of finding cheap MINI car insurance is quite as effective as comparing quotes. To find the best MINI car insurance, comparing quotes with as many companies as possible is crucial. Enter your ZIP code into our free tool to find cheap MINI auto insurance quotes today.
Frequently Asked Questions
Are MINIs good on insurance?
MINI car insurance rates costs slightly less than the national average at $130 monthly for full coverage.
How much will car insurance cost for a MINI?
The average driver pays about $138 a month for MINI car insurance. However, many factors affect your rates for MINI insurance, including your age, location, and how much coverage you want for your MINI.
Is MINI considered a luxury car?
Although MINI is affordable for many drivers, it’s considered a luxury brand (read more: Best Insurance for Luxury Cars). The main reason for this classification is that MINIs are made with the latest technology and excellent manufacturing materials. They also have superior handling and the ability to drift.
Will the model I drive affect my MINI car insurance rates?
The make and model of your car always affect your insurance rates. As a make, MINI has overall affordable insurance rates. Prices vary by model, with MINI Hardtop 4 door car insurance being more expensive.
Is a MINI Cooper considered a sports car for insurance?
The MINI Cooper is not a sports car but may have higher MINI insurance rates due to its luxury status.
Is a MINI Cooper expensive to insure?
Monthly MINI Cooper car insurance rates are around $106, So MINI Cooper coupe car insurance is less expensive than other MINI models and comparable Toyota and Nissan models.
Are MINIs cheap to insure for first-time drivers?
Teens and new drivers pay the most for insurance, but MINI car insurance rates are pretty average for first-time drivers when compared to other cars.
Teens pay between $400-$500 monthly while drivers in their 20s pay closer to $300 per month. Enter your ZIP in our free tool to find cheap MINI auto insurance quotes for teens.
Are MINIs often stolen?
Since it’s almost impossible to start a MINI without a key, it is among the least stolen vehicles in the U.S.
Do MINIs break down a lot?
MINIs are prone to more breakdowns than other brands.
What is the best insurance for a MINI?
Full coverage is the best insurance for MINIs (learn more: Best Full Coverage Car Insurance).
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.