Estimates, not quotes

Subaru Crosstrek vs MINI Countryman Insurance Cost

The Subaru Crosstrek is cheaper to insure by about $140 a year for full coverage by our estimate ($1,175 vs. $1,315), and cheaper in 51 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

CoverageSubaru CrosstrekMINI CountrymanDifference
State minimum$475$525−$50
Standard (100/300/100)$690$760−$70
Full coverage$1,175$1,315−$140

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

Why one costs more to insure

FactorSubaru CrosstrekMINI Countryman
SegmentSmall SUVSmall SUV
PowertrainsGasoline, Hybrid, Plug-in hybridGasoline, Plug-in hybrid, Electric
HLDI collision (100 = avg)6378
HLDI comprehensive6876
HLDI property damage liability6685
HLDI bodily injury liability7073
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)27

Collision losses are the biggest swing factor: the MINI Countryman has 15 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Crosstrek vs Countryman insurance by state

StateCrosstrekCountrymanDifference
Alabama$1,015$1,145−$130
Alaska$1,020$1,150−$130
Arizona$1,235$1,380−$145
Arkansas$1,025$1,155−$130
California$1,135$1,285−$150
Colorado$1,340$1,495−$155
Connecticut$1,250$1,400−$150
Delaware$1,320$1,475−$155
District of Columbia$1,470$1,655−$185
Florida$1,695$1,890−$195
Georgia$1,460$1,635−$175
Hawaii$800$905−$105
Idaho$795$895−$100
Illinois$1,015$1,140−$125
Indiana$830$935−$105
Iowa$795$890−$95
Kansas$935$1,050−$115
Kentucky$990$1,110−$120
Louisiana$1,625$1,825−$200
Maine$740$835−$95
Maryland$1,315$1,480−$165
Massachusetts$1,145$1,290−$145
Michigan$1,270$1,430−$160
Minnesota$980$1,100−$120
Mississippi$1,120$1,255−$135
Missouri$1,065$1,195−$130
Montana$935$1,050−$115
Nebraska$940$1,050−$110
Nevada$1,360$1,520−$160
New Hampshire$830$935−$105
New Jersey$1,420$1,590−$170
New Mexico$1,050$1,180−$130
New York$1,580$1,770−$190
North Carolina$865$975−$110
North Dakota$745$840−$95
Ohio$835$940−$105
Oklahoma$1,055$1,185−$130
Oregon$1,060$1,185−$125
Pennsylvania$1,015$1,145−$130
Rhode Island$1,420$1,590−$170
South Carolina$1,265$1,410−$145
South Dakota$895$1,005−$110
Tennessee$970$1,090−$120
Texas$1,390$1,560−$170
Utah$1,070$1,200−$130
Vermont$755$850−$95
Virginia$1,005$1,130−$125
Washington$1,025$1,150−$125
West Virginia$975$1,095−$120
Wisconsin$800$900−$100
Wyoming$915$1,025−$110

By driver profile (full coverage)

DriverCrosstrekCountryman
Teen driver (18, own policy)$3,225$3,620
Young adult (22)$1,875$2,105
Adult in their 30s$1,175$1,315
Adult in their 50s$1,080$1,210
Senior (72)$1,315$1,475
30s, one at-fault accident$1,700$1,910
30s, DUI on record$2,170$2,435

More comparisons

Frequently asked questions

Is the Subaru Crosstrek or the MINI Countryman cheaper to insure?

By our estimate the Subaru Crosstrek is cheaper, by about $140 a year for full coverage ($1,175 vs. $1,315) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Subaru Crosstrek and MINI Countryman?

Mostly because of insurance-loss history: HLDI collision indices of 63 vs. 78 and comprehensive indices of 68 vs. 76 (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