MINI Convertible Insurance Cost [Rates + Comparison Guide]

MINI Convertible insurance rates are $100 per month on average, but a good driving record can significantly lower your MINI Convertible insurance costs. Where you live also impacts what you pay for MINI Cooper convertible insurance, so enter your ZIP code below to start comparing MINI Convertible insurance quotes online now.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways:

  • Full coverage costs around $1,204 a year or $100 each month
  • A liability-only policy costs around $483 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,401 a year or $367 each month
  • Good drivers can save as much as $496 a year by earning policy discounts
  • MINI Convertible insurance costs around $315 less per year than the average vehicle

Not only are MINI Coopers fun just like the golf carts MINI likes to compare them to, but insurance for a MINI convertible costs about $315 less than the average vehicle. Full coverage averages $1,204 a year or $100 a month, but you can also get up to $496 in good driver auto insurance policy discounts. Let’s look at MINI auto insurance rates, losses, and more.

You can start comparing quotes for MINI Convertible car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Convertible Insurance Cost

The average MINI Convertible auto insurance rates are $1,204 a year or $100 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Are MINI Convertibles Expensive to Insure?

The chart below details how MINI Convertible insurance rates compare to other convertibles like the BMW M6, Mercedes-Benz SL 450, and Buick Cascada.

Vehicle Comprehensive Collision Liability Total
MINI Convertible $294 $536 $264 $1,204
BMW M6 $520 $1,130 $450 $2,280
Mercedes-Benz SL 450 $482 $922 $398 $1,960
Buick Cascada $332 $656 $398 $1,544
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Compare RatesStart Now →

However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Convertible Insurance?

You might have noticed that there is a multitude of factors that impact MINI Convertible car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the MINI Convertible.

Age of the Vehicle

The average MINI Convertible auto insurance rates are higher for newer models. For example, auto insurance for a 2018 MINI Convertible costs $1,204, while 2017 MINI Convertible insurance costs are $1,192, a difference of $12.

Model Year Comprehensive Collision Liability Total
2018 MINI Convertible $294 $536 $264 $1,204
2017 MINI Convertible $284 $524 $274 $1,192
Compare RatesStart Now →

Driver Age

Driver age can have a significant effect on the cost of MINI Convertible car insurance. For example, 30-year-old drivers pay approximately $53 more for their MINI Convertible car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Convertible insurance rates. For example, drivers in Jacksonville may pay $723 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of MINI Convertible auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Convertible car insurance with violations on their driving record.

MINI Convertible Safety Ratings

The MINI Convertible’s safety ratings will affect your MINI Convertible car insurance rates. See the chart below:

Test Type Rating
Overall Evaluation Advanced
Front crash prevention: vehicle-to-vehicle Advanced
Headlights Acceptable
Source: Insurance Institute for Highway Safety

MINI Convertible Crash Test Ratings

MINI Convertible crash test ratings can impact your MINI Convertible car insurance rates. See MINI Convertible crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Convertible NR NR NR NR
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Compare RatesStart Now →

MINI Convertible Finance and Insurance Cost

If you are financing a MINI Convertible, you will pay more if you purchase MINI Convertible car insurance at the dealership, so be sure to shop around and compare MINI Convertible car insurance quotes from the best companies using our FREE tool below.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on MINI Convertible Insurance

You have more options at your disposal to save money on your MINI Convertible car insurance costs. For example, try these five tips:

  • Never Drink and Drive Your MINI Convertible
  • Compare MINI Convertible Quotes Online
  • Remove Unnecessary Insurance Once Your MINI Convertible is Paid Off
  • Understand the Different Types of Auto Insurance for Your MINI Convertible
  • Ask About Seasonal Insurance for Your MINI Convertible

Top MINI Convertible Insurance Companies

Several top car insurance companies offer competitive rates for the MINI Convertible rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with MINI Convertible drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
Compare RatesStart Now →

Compare Free MINI Convertible Insurance Quotes Online

You can start comparing quotes for MINI Convertible auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption