MINI Countryman Insurance Cost
Full coverage for a MINI Countryman costs about $1,315 a year ($110/month) by our estimate — ▼ −17% versus the average vehicle, ranking 29th cheapest of 310 current models.
MINI Countryman insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2011–2027 model years of the MINI Countryman.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $525 | $44 | $430–$620 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $760 | $63 | $625–$895 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,315 | $110 | $1,080–$1,555 |
What drives the cost of insuring a MINI Countryman
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The MINI Countryman's results put our vehicle factor at 0.85× for liability, 0.80× for collision and 0.78× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 78 | Much better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 76 | Much better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 85 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 73 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 73 | Much better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 68 | Much better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Mini Countryman 4WD | 78 | 76 | 85 | 73 |
| Mini Countryman | 77 | 75 | 93 | — |
- Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 7 NHTSA recall campaigns and 20 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
MINI Countryman trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| Countryman S All4 | AWD | 2.0L 4-cyl Turbo | 27 | — |
| Countryman SE ALL4 (18 inch Wheels) | AWD | Electric | 98 | 216 mi |
| Countryman SE ALL4 (19 inch Wheels) | AWD | Electric | 97 | 214 mi |
MINI Countryman insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2027 | 2.0L 4-cyl Turbo, Electric | AWD | 27 | $1,315 |
| 2026 | 2.0L 4-cyl Turbo, Electric | AWD | 25–27 | $1,290 |
| 2025 | 2.0L 4-cyl Turbo, Electric | AWD | 26–27 | $1,265 |
| 2024 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | AWD, FWD | 26–28 | $1,240 |
| 2023 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,215 |
| 2022 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,190 |
| 2021 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,165 |
| 2020 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,140 |
| 2019 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,115 |
| 2018 | 1.5L 3-cyl Turbo, 1.5L 3-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,090 |
| 2017 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,065 |
| 2016 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–29 | $1,040 |
| 2015 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–29 | $1,040 |
| 2014 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–30 | $1,040 |
| 2013 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–30 | $1,040 |
| 2012 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–30 | $1,040 |
| 2011 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | AWD, FWD | 26–30 | $1,040 |
MINI Countryman insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Countryman page for that state.
MINI Countryman insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,440 | $2,090 | $3,620 | $302 |
| Young adult (22) | $840 | $1,215 | $2,105 | $175 |
| Adult in their 30s | $525 | $760 | $1,315 | $110 |
| Adult in their 50s | $480 | $700 | $1,210 | $101 |
| Senior (72) | $585 | $850 | $1,475 | $123 |
| 30s, one at-fault accident | $760 | $1,100 | $1,910 | $159 |
| 30s, DUI on record | $970 | $1,405 | $2,435 | $203 |
MINI Countryman vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| MINI Countryman | $1,315 | 78 | 76 | — |
| Honda CR-V | $1,200 | 63 | 65 | Compare |
| Subaru Forester | $1,140 | 64 | 84 | Compare |
| Mazda CX-5 | $1,325 | 80 | 71 | Compare |
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Frequently asked questions
How much is insurance for a MINI Countryman?
We estimate about $1,315 a year ($110 a month) for full coverage and $525 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 17% less than the average vehicle.
Is the MINI Countryman expensive to insure?
HLDI insurance-loss data rates it at 78 for collision and 76 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.
Which state is cheapest to insure a MINI Countryman?
Maine has the lowest estimate (about $835 a year for full coverage) and Florida the highest (about $1,890).
Is the MINI Countryman cheaper to insure than the Honda CR-V?
By our estimate the MINI Countryman costs about $1,315 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.
How much is MINI Countryman insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,620 a year at national-average rates by our estimate.
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.