Estimates, not quotes

MINI Cooper Insurance Cost in Washington, D.C.

Insuring a MINI Cooper in Washington, D.C. costs about $1,520 a year ($127/month) for full coverage by our estimate — +26% versus the same car nationally — the 4th most expensive of 51 states for this model.

MINI Cooper (photo from Wikimedia Commons)
Photo: Юрий Д.К, CC BY 4.0
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

MINI Cooper insurance in Washington, D.C. at a glance

Full coverage
$1,520
$1,245–$1,795
25/50/10 minimum
$590
$49/mo
Same car nationally
$1,210
full coverage
Avg. car in DC
$2,005
−24% for the Cooper

The MINI Cooper is 24% cheaper than the average vehicle to insure in Washington, D.C., reflecting HLDI collision losses of 70 and comprehensive losses of 67 (100 = average). Washington, D.C.'s own base rates are 31% higher than the national average, which carries through to every model.

Washington, D.C. factors that affect Cooper premiums

  • Uninsured drivers: 23.1% of Washington, D.C. drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Cooper.
  • Theft: 674 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington, D.C.'s expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.33 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington, D.C. →

MINI Cooper insurance cost in Washington, D.C. cities

CityFull coverageMinimumvs. state
Washington$1,520$5900%

MINI Cooper insurance in Washington, D.C. by driver

Estimated annual MINI Cooper premium in Washington, D.C.
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,615 $2,345 $4,180 $348
Young adult (22) $940 $1,365 $2,435 $203
Adult in their 30s $590 $850 $1,520 $127
Adult in their 50s $540 $785 $1,400 $117
Senior (72) $660 $955 $1,705 $142
30s, one at-fault accident $850 $1,235 $2,205 $184
30s, DUI on record $1,090 $1,575 $2,815 $235

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $590 $49 $480–$695
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $850 $71 $700–$1,005
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,520 $127 $1,245–$1,795

Washington, D.C. minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington, D.C.

ModelFull coverage in DCvs. Cooper
Volkswagen Beetle$1,885+24%
Honda Fit$1,885+24%
Smart fortwo$1,920+26%
Fiat 500e$2,000+32%

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MINI Cooper insurance cost in every state · All MINI models

Frequently asked questions

How much is MINI Cooper insurance in Washington, D.C.?

About $1,520 a year ($127 a month) for full coverage and $590 for Washington, D.C.'s minimum liability, for a driver in their 30s with a clean record. That is 26% more than the national estimate for the same car.

Is the MINI Cooper cheaper to insure than the average car in Washington, D.C.?

The average vehicle in Washington, D.C. is about $2,005 a year for full coverage in our model, so the MINI Cooper is 24% cheaper than average.

Where in Washington, D.C. is MINI Cooper insurance cheapest?

Among the largest Washington, D.C. cities, Washington has the lowest estimate (about $1,520) and Washington the highest (about $1,520).

What insurance do I need for a MINI Cooper in Washington, D.C.?

Washington, D.C. requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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