Insuring a Mini costs about $1,107 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the Cooper Roadster (~$887/yr), the priciest the Paceman (~$1,291/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 5 Minis that baseline spans $887 to $1,291 a year.
Mini insurance cost by model
Estimated annual premium for every Mini model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 5 of them, from the Cooper Roadster up to the Paceman.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Cooper Roadster | $887/yr | 62% of avg | Cheap |
| Cooper | $959/yr | 67% of avg | Cheap |
| Countryman | $1,107/yr | 77% of avg | Cheap |
| Clubman | $1,245/yr | 87% of avg | Cheap |
| Paceman | $1,291/yr | 90% of avg | Cheap |
Cheapest Minis to insure
The Mini models that cost the least to insure at the US average.
Most expensive Minis to insure
The priciest Minis to insure — usually the most powerful and costly to repair.
Know what a car really costs to insure and own.
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Mini insurance cost by state — all 50
Where you live moves a Mini premium as much as which model you pick. A typical Mini (index 77) runs about $1,535/yr in Florida but only $713/yr in Maine — a swing of over $822 on the same car.
Estimated annual premium for a typical Mini in every state, priciest first.
| State | Typical Mini / yr | vs US average |
|---|---|---|
| Florida | $1,535/yr | +39% vs US |
| Louisiana | $1,524/yr | +38% vs US |
| New York | $1,460/yr | +32% vs US |
| District of Columbia | $1,400/yr | +26% vs US |
| Georgia | $1,345/yr | +21% vs US |
| Texas | $1,330/yr | +20% vs US |
| Rhode Island | $1,316/yr | +19% vs US |
| New Jersey | $1,304/yr | +18% vs US |
| Colorado | $1,275/yr | +15% vs US |
| Maryland | $1,234/yr | +11% vs US |
| Nevada | $1,232/yr | +11% vs US |
| Michigan | $1,211/yr | +9% vs US |
| Delaware | $1,208/yr | +9% vs US |
| South Carolina | $1,168/yr | +6% vs US |
| Connecticut | $1,161/yr | +5% vs US |
| Arizona | $1,158/yr | +5% vs US |
| California | $1,091/yr | -1% vs US |
| Massachusetts | $1,088/yr | -2% vs US |
| Mississippi | $1,074/yr | -3% vs US |
| Oklahoma | $1,020/yr | -8% vs US |
| Missouri | $1,018/yr | -8% vs US |
| New Mexico | $1,002/yr | -9% vs US |
| Arkansas | $998/yr | -10% vs US |
| Utah | $989/yr | -11% vs US |
| Pennsylvania | $981/yr | -11% vs US |
| Alabama | $977/yr | -12% vs US |
| Oregon | $977/yr | -12% vs US |
| Alaska | $972/yr | -12% vs US |
| Illinois | $968/yr | -13% vs US |
| Virginia | $953/yr | -14% vs US |
| Washington | $951/yr | -14% vs US |
| West Virginia | $945/yr | -15% vs US |
| Minnesota | $942/yr | -15% vs US |
| Tennessee | $933/yr | -16% vs US |
| Kentucky | $930/yr | -16% vs US |
| Nebraska | $911/yr | -18% vs US |
| Montana | $911/yr | -18% vs US |
| Kansas | $910/yr | -18% vs US |
| Wyoming | $909/yr | -18% vs US |
| South Dakota | $891/yr | -20% vs US |
| North Carolina | $844/yr | -24% vs US |
| Ohio | $799/yr | -28% vs US |
| New Hampshire | $795/yr | -28% vs US |
| Indiana | $795/yr | -28% vs US |
| Iowa | $777/yr | -30% vs US |
| Wisconsin | $770/yr | -30% vs US |
| Hawaii | $768/yr | -31% vs US |
| Idaho | $755/yr | -32% vs US |
| North Dakota | $740/yr | -33% vs US |
| Vermont | $738/yr | -33% vs US |
| Maine | $713/yr | -36% vs US |
Estimate a specific Mini model in your state →
Mini insurance cost by year
A typical Mini costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Mini premium by year (US average):
| Year | Typical Mini / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Mini figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Mini insurance — frequently asked
Is Mini expensive to insure?
Mini is below average — cheaper than most brands to insure — a typical model runs about $1,107/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $887 to $1,291.
What is the cheapest Mini to insure?
The Cooper Roadster is the cheapest Mini to insure in our data — around $887/yr at the national average, about 38% below a typical car.
What is the most expensive Mini to insure?
The Paceman is the priciest Mini to insure — roughly $1,291/yr, about -10% above the average car.
How much is insurance on a Mini per month?
A typical Mini costs about $92/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Mini runs about $74/month, the priciest $108.
How is this Mini estimate calculated?
We combine each Mini model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.