Best MINI Car Insurance Rates in 2025

Progressive, USAA, and Allstate have the best MINI car insurance rates.

MINI drivers often enjoy low average car insurance rates. MINI’s high safety ratings, reliability, and overall handling lead to lower insurance rates.

Our Top 10 Company Picks: Best MINI Car Insurance Rates

Whether you want full coverage for a brand-new MINI or are considering liability-only for an older model, you’ll likely see affordable rates. Comparing the best full coverage car insurance against the minimum requirements set by your state can help you determine how much coverage you want and where to find the most affordable policy

Read on to learn more about MINI car insurance rates and where to find the best coverage for you, then compare rates with as many companies as possible using our free tool to ensure you get the best price.

#1 – Progressive: Top Pick Overall

Pros

• Online Convenience: MINI policyholders will be able to do most tasks online. Learn more in our Progressive review.
• Budget Shopping: Progressive’s free Name Your Price tool can help MINI owners on a budget.
• Snapshot: Progressive’s UBI program offers discounts to MINI drivers who participate.

Cons

• Snapshot Rate Increases: Poor drivers could have rate increases after the program.
• Customer Reviews: Progressive isn’t the highest-rated company for customer service.

#2 – USAA: Best for Military Savings

Pros

• Military Savings: MINI drivers who are military or veterans will find the best deals at USAA.
• SafePilot: USAA’s UBI program offers discounts to participating drivers.
• Customer Service: There are high ratings for USAA’s customer service.

Cons

• Add-On Coverages: USAA has less add-on options. See what coverages are sold in our USAA review.
• Eligibility: Service members or veterans are the only drivers who can purchase USAA insurance.

#3 – Allstate: Best for Add-On Coverages

Pros

• Add-On Coverages: Allstate sells extras like rental reimbursement coverage. Read our Allstate review for a full list of coverages.
• Pay-Per-Mile Rates: Pay by the mile for your MINI auto insurance with Milewise. Learn more in our Allstate Milewise review.
• Online Convenience: Acura owners can do most tasks online.

Cons

• Customer Reviews: Customers have filed a higher-than-normal number of complaints.
• High-Risk Rates: Rates will be the most affordable for MINI drivers who aren’t high-risk drivers.

#4 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers won’t raise rates for a qualifying accident.
• Availability: MINI auto insurance policies are sold in every state. Read more in our Travelers review.
• IntelliDrive Program: Participants can earn reduced MINI rates.

Cons

• Limited Local Agents: Local assistance is limited.
• IntelliDrive Rates: Bad driving in the program could result in MINI rate increases.

#5 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual’s options make it simple to customize a MINI policy. Check out coverage options in our Liberty Mutual review.
• Accident Forgiveness: MINI drivers may be forgiven an accident.
• RightTrack: Liberty Mutual’s UBI program RightTrack offers discounts to participants.

Cons

• Claims Satisfaction: Claims services don’t always have the best customer ratings.
• Telematics Tracking: RightTrack tracks driving data before issuing MINI drivers discounts.

#6 – Geico: Best for Cheap Rates

Pros

• Cheap Rates: Geico has some of the most affordable MINI car insurance rates for good drivers.
• Online Tools: Geico offers great online tools for managing policies. Learn more in our Geico review.
• Financial Rating: The company has the highest possible rating for its financial reliability.

Cons

• Limited Local Agents: MINI drivers likely won’t have access to a local agent.
• Add-On Coverages: Geico doesn’t offer extras like gap coverage.

#7 – Nationwide: Best for Usage Discount

Pros

• Usage Discount: Participate in Nationwide’s UBI program for Nationwide car insurance discounts.
• Deductible Options: Nationwide offers several deductible options for policies.
• Pay-Per-Mile Rates: Get cheap MINI insurance policies with SmartMiles by Nationwide.

Cons

• DUI Rates: MINI insurance rates will be high for DUI drivers.
• Limited Local Agents: Nationwide doesn’t have local agents near every MINI driver.

#8 – State Farm: Best for Many Discounts

Pros

• Many Discounts: MINI policyholders should be able to apply at least a few discounts to their rates. See what is offered in our State Farm review.
• Customizable Policies: Local agents can assist customers with customizing their MINI insurance policies.
• Financial Rating: The company received the highest possible rating for financial reliability.

Cons

• Online Tools: Online tools are limited due to the focus on local agent assistance.
• Bad Credit Rates: Poor credit scores will raise MINI rates in some states.

#9 – American Family: Best for Student Savings

Pros

• Student Savings: American Family has discounts for students on MINI insurance policies.
• Coverage Options: Customers can add several extras to MINI policies, which you can read about in our American Family review.
• Loyalty Rewards: MINI customers can get a discount for staying with the company.

Cons

• Availability: American Family may not be sold in some MINI drivers’ states.
• High-Risk Rates: Customers with clean driving records will get the cheapest MINI car insurance rates.

#10 – Farmers: Best for Local Agents

Pros

• Local Agents: There is a fair amount of local Farmers agents available in most states.
• Discount Variety: Discounts are plentiful at Farmers, so MINI drivers will have multiple saving options.
• Coverage Options: Farmers has extras, like breakdown assistance, that MINI policyholders can add to their policy.

Cons

• Online Tools: Customers must contact Farmers’ representatives for some actions.
• Customer Satisfaction: Customer service has mixed customer reviews. Read more in our Farmers review.

Finding Affordable MINI Car Insurance Rates

The average MINI driver pays about $138 a month for car insurance. MINIs are affordable cars, with some models starting at a little less than $30,000. The MINI affordability is one reason why insurance rates are so low — affordable cars are easier to repair and replace.

MINI also has a reputation for including helpful safety features and responsive handling that gets drivers out of sticky situations. Solid safety features and handling means you’re less likely to get into an accident, so insurance companies charge a little less for coverage.

While many factors make car insurance more expensive, your MINI’s price tag will have a big impact. Below is a table that showcases the difference between a minimum coverage policy and full coverage insurance to give you an idea of how much rates will fluctuate.

Car Insurance Monthly Rates for MINI by Coverage Level & Provider

Like other brands, MINI insurance rates vary by model, which is one factor that affects how much you will pay for coverage. Insurance companies will also look at your location, your driving record, and your age when determining your rates.

Explore Your Coverage Options: Compare Mini Car Insurance Rates by Model

Quickly compare car insurance rates for Mini models including Cooper, Cooper Coupe, and Electric Hardtop. Start now to find the best rates for your Mini.

While the Hardtop 4-Door MINI has the highest insurance rates, you’ll pay even more if you choose the more expensive trim level. Compare MINI Electric Hardtop car insurance rates to find affordable coverage.

Comparing MINI Car Insurance Coverage Options

When you buy car insurance, you’ll have two main options – minimum insurance and full coverage.

Minimum insurance is your cheapest option for coverage, but it lacks the protection of full coverage. Minimum insurance amounts are set by local laws, with some states requiring much more than others.

Full coverage is a suite of coverage types that offers relatively complete protection for your car. It costs more than minimum insurance, but many drivers feel like the coverage is worth it.

When you buy full coverage, you’re purchasing the following types of insurance:

• Liability: Liability insurance is the most commonly required type of car insurance. It pays for injuries and damages you cause in an at-fault accident. Comparing liability car insurance coverage against a full coverage policy is a great way to start shopping.
• Collision: If you want help with car repairs after hitting someone or something, you need collision coverage on car insurance to cover these costs.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance pay health care expenses for you and your passengers after an accident.
• Uninsured/underinsured motorist: Uninsured motorist insurance protects you against drivers without enough coverage. It also pays for your repairs when you’re the victim of a hit-and-run.
• Comprehensive: Comprehensive car insurance covers damage to your car from things like fire, floods, theft, vandalism, animals, and extreme weather.

These are the basic types of car insurance most drivers select for their coverage. Most companies offer add-ons to increase the value of your coverage. Popular add-ons for MINI drivers include gap insurance, new car replacement coverage, and roadside assistance.

Lowering Your MINI Car Insurance Rates

The average MINI driver pays less than the national average for car insurance, though some models cost more than others. Even though MINI insurance is generally affordable, there are ways to save even more. For example, drivers can save a significant amount on their insurance by finding the right discounts. Popular discounts for MINI drivers include remaining claims-free, bundling policies, and taking a driver’s education course.

In addition, try the following tips to save money on your MINI car insurance rates:

• Raise your deductible. Raising the amount you need to pay when you file a claim will decrease your rates, but you’ll be financially responsible for more from your own pocket.
• Lower your coverage. Depending on your MINI, you might be able to lower your coverage to save. However, you should only lower your coverage if your car is worth a few thousand dollars or less.
• Enroll in a telematics program. Usage-based insurance can help you save up to 40% if you don’t mind being tracked. However, you should skip this option if you regularly speed, drive late at night, or put a lot of miles on your car.
• Be a safe driver. One of the easiest ways to save on car insurance is to avoid traffic violations. Having even a single speeding ticket on your record can increase your rates by 25%.
• Increase your car’s safety. Your insurance will be a little cheaper if your car has safety features like GPS tracking or audible alarms. Some insurance companies will offer a safety feature car insurance discount if your car has less of a chance of being stolen.

While the tips listed above are excellent ways to keep your car insurance rates low, the most important step to take is comparing quotes. Insurance companies use unique formulas to determine rates, and it’s difficult to guess where you’ll find the lowest prices. You should also periodically check car insurance rates even when you have a policy to make sure you’re still getting a good price.

Find the Best MINI Car Insurance Quotes Today

MINIs strike a unique figure on the road, but that’s not all this little car has to offer. From superb handling to solid safety features, a MINI is a car you can rely on. It’s also a car with low average insurance rates, which is a great place to start when you want to keep your budget tight. Other ways to get lower car insurance rates include finding discounts and raising your deductible.

Of course, no method of finding affordable car insurance is quite as effective as comparing quotes. To find the best MINI car insurance, comparing quotes with as many companies as possible is crucial. Enter your ZIP code into our free tool to find cheap MINI auto insurance quotes today.