MINI Cooper vs Volkswagen Beetle Insurance Cost

The MINI Cooper is cheaper to insure by about $65 a year for full coverage by our estimate ($1,210 vs. $1,275), and cheaper in 45 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	MINI Cooper	Volkswagen Beetle	Difference
State minimum	$485	$605	−$120
Standard (100/300/100)	$705	$880	−$175
Full coverage	$1,210	$1,275	−$65

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cooper minus Beetle.

Why one costs more to insure

Factor	MINI Cooper	Volkswagen Beetle
Segment	Subcompact car	Subcompact car
Powertrains	Gasoline, Electric	Gasoline, Diesel
HLDI collision (100 = avg)	70	—
HLDI comprehensive	67	—
HLDI property damage liability	65	—
HLDI bodily injury liability	63	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	5

Cooper vs Beetle insurance by state

State	Cooper	Beetle	Difference
Alabama	$1,050	$1,080	−$30
Alaska	$1,055	$1,110	−$55
Arizona	$1,270	$1,350	−$80
Arkansas	$1,060	$1,070	−$10
California	$1,180	$1,220	−$40
Colorado	$1,370	$1,425	−$55
Connecticut	$1,290	$1,390	−$100
Delaware	$1,360	$1,495	−$135
District of Columbia	$1,520	$1,590	−$70
Florida	$1,740	$1,945	−$205
Georgia	$1,505	$1,645	−$140
Hawaii	$830	$860	−$30
Idaho	$820	$860	−$40
Illinois	$1,045	$1,085	−$40
Indiana	$855	$890	−$35
Iowa	$815	$810	+$5
Kansas	$960	$970	−$10
Kentucky	$1,020	$1,080	−$60
Louisiana	$1,675	$1,785	−$110
Maine	$765	$790	−$25
Maryland	$1,360	$1,455	−$95
Massachusetts	$1,185	$1,250	−$65
Michigan	$1,315	$1,375	−$60
Minnesota	$1,005	$1,030	−$25
Mississippi	$1,150	$1,190	−$40
Missouri	$1,095	$1,130	−$35
Montana	$960	$960	—
Nebraska	$965	$970	−$5
Nevada	$1,400	$1,560	−$160
New Hampshire	$860	$890	−$30
New Jersey	$1,465	$1,610	−$145
New Mexico	$1,085	$1,130	−$45
New York	$1,630	$1,775	−$145
North Carolina	$895	$905	−$10
North Dakota	$765	$750	+$15
Ohio	$860	$890	−$30
Oklahoma	$1,085	$1,100	−$15
Oregon	$1,090	$1,190	−$100
Pennsylvania	$1,050	$1,075	−$25
Rhode Island	$1,465	$1,590	−$125
South Carolina	$1,300	$1,410	−$110
South Dakota	$915	$885	+$30
Tennessee	$1,000	$1,025	−$25
Texas	$1,430	$1,475	−$45
Utah	$1,100	$1,195	−$95
Vermont	$780	$780	—
Virginia	$1,040	$1,095	−$55
Washington	$1,055	$1,145	−$90
West Virginia	$1,005	$1,020	−$15
Wisconsin	$825	$845	−$20
Wyoming	$935	$905	+$30

By driver profile (full coverage)

Driver	Cooper	Beetle
Teen driver (18, own policy)	$3,325	$3,515
Young adult (22)	$1,935	$2,045
Adult in their 30s	$1,210	$1,275
Adult in their 50s	$1,115	$1,175
Senior (72)	$1,355	$1,430
30s, one at-fault accident	$1,755	$1,850
30s, DUI on record	$2,240	$2,365

More comparisons

Frequently asked questions

Is the MINI Cooper or the Volkswagen Beetle cheaper to insure?

By our estimate the MINI Cooper is cheaper, by about $65 a year for full coverage ($1,210 vs. $1,275) for a driver in their 30s with a clean record.

Why does insurance cost differ between the MINI Cooper and Volkswagen Beetle?

Mostly because of insurance-loss history: HLDI collision indices of 70 vs. n/a and comprehensive indices of 67 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page