Vehicles > MINI > Cooper

MINI Cooper Insurance Quotes

Comparing car insurance by comparing rates online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting rates from all companies in order to have every possible rate.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The best way to compare Cooper insurance cost involves getting comparison quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a MINI Cooper can be significantly different and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Better credit means lower rates
  • Your location impacts rates
  • The number of annual miles
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Cooper
  • Your job
  • The level of coverage
  • Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new MINI models so the cost to replace them may end up costing you less. Conversely, newer models have more advanced features such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors that may help lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

This protects you from damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your MINI resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Cooper can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are MINI Cooper Insurance Rates?