MINI Cooper Insurance Rates

Finding cheaper car insurance online is easy, plus you can save money. The key is to take the time to get rates from as many companies as possible so you can get every option.

Consumers who are new to the process of buying insurance may think purchasing cut-rate Cooper insurance is very challenging. There are several ways of comparing rates from different insurance companies. The quickest method to find competitive Cooper insurance quotes is to perform an online rate comparison. This can be done by completing this short form.

FREE Car Insurance Comparison

Premiums are calculated by the following

Car insurance premiums for your MINI Cooper can vary widely based upon several criteria. Including but not limited to:

Your driving record
Credit rating
The size of your community
High miles vs. low miles
Male rates may be higher
Low deductibles cost more
Crash test rating for your Cooper
Your occupation
The level of coverage
Home ownership saves money

An additional factor which can affect Cooper insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair will push premiums down. Conversely, newer vehicles may have safety features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can give discounted rates.

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

Liability coverage

Liability insurance can cover damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage

This covers damage to your MINI resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are MINI Cooper Insurance Rates?