MINI Insurance Cost
Across 2 current MINI models, full coverage averages about $1,263 a year by our estimate — −21% versus the average vehicle ($1,590).
MINI insurance profile
MINI’s lineup is made up mostly of 1 small suv and 1 subcompact car. HLDI collision losses for its models average 74 (100 = all-vehicle average).
Every MINI model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Cooper | Subcompact car | 2005–2027 | 70 | $1,210 | −24% |
| Countryman | Small SUV | 2011–2027 | 78 | $1,315 | −17% |
Older and discontinued MINI models
What makes MINI insurance cost more or less
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 2 models range from 70 to 78, so the model you pick matters as much as the brand.
- Segment mix: 1 small suv, 1 subcompact car.
Average MINI insurance cost by state
Average full-coverage estimate across current MINI models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $800 | −37% |
| North Dakota | $803 | −36% |
| Vermont | $815 | −35% |
| Iowa | $853 | −32% |
| Idaho | $858 | −32% |
| Wisconsin | $863 | −32% |
| Hawaii | $868 | −31% |
| Indiana | $895 | −29% |
| New Hampshire | $898 | −29% |
| Ohio | $900 | −29% |
| North Carolina | $935 | −26% |
| South Dakota | $960 | −24% |
| Wyoming | $980 | −22% |
| Kansas | $1,005 | −20% |
| Montana | $1,005 | −20% |
| Nebraska | $1,008 | −20% |
| Tennessee | $1,045 | −17% |
| West Virginia | $1,050 | −17% |
| Minnesota | $1,053 | −17% |
| Kentucky | $1,065 | −16% |
| Virginia | $1,085 | −14% |
| Illinois | $1,093 | −13% |
| Alabama | $1,098 | −13% |
| Pennsylvania | $1,098 | −13% |
| Alaska | $1,103 | −13% |
| Washington | $1,103 | −13% |
| Arkansas | $1,108 | −12% |
| New Mexico | $1,133 | −10% |
| Oklahoma | $1,135 | −10% |
| Oregon | $1,138 | −10% |
| Missouri | $1,145 | −9% |
| Utah | $1,150 | −9% |
| Mississippi | $1,203 | −5% |
| California | $1,233 | −2% |
| Massachusetts | $1,238 | −2% |
| Arizona | $1,325 | +5% |
| Connecticut | $1,345 | +7% |
| South Carolina | $1,355 | +7% |
| Michigan | $1,373 | +9% |
| Delaware | $1,418 | +12% |
| Maryland | $1,420 | +12% |
| Colorado | $1,433 | +14% |
| Nevada | $1,460 | +16% |
| Texas | $1,495 | +18% |
| New Jersey | $1,528 | +21% |
| Rhode Island | $1,528 | +21% |
| Georgia | $1,570 | +24% |
| District of Columbia | $1,588 | +26% |
| New York | $1,700 | +35% |
| Louisiana | $1,750 | +39% |
| Florida | $1,815 | +44% |
Frequently asked questions
How much does it cost to insure a MINI?
Across 2 current MINI models, our full-coverage estimate averages $1,263 a year for a driver in their 30s with a clean record, 21% less than the average vehicle ($1,590).
What is the cheapest MINI to insure?
The MINI Cooper has the lowest estimate at about $1,210 a year for full coverage; the MINI Countryman is the most expensive at about $1,315.
Are MINI repairs expensive for insurers?
HLDI collision-loss data for 2 MINI models averages 74 (100 = average of all vehicles), which is much better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a MINI?
By our estimates, Maine is the cheapest state (about $800 a year on average across current models) and Florida the most expensive (about $1,815).
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.