MINI Hardtop 2-Door Insurance Cost Estimate

MINI Hard Top 2-Door auto insurance rates are around $108 a month, but your driving record and where you live will have the final say in what you pay for MINI Hard Top 2-Door auto insurance coverage. The easiest way to reduce your MINI Hard Top 2-Door auto insurance costs is to comparison shop online. Enter your ZIP code below to get your free MINI Hard Top 2-Door auto insurance quote now.

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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...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key Takeaways:

  • Full coverage costs around $1,292 a year or $108 each month
  • A liability-only policy costs around $518 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,722 a year or $394 each month
  • Good drivers can save as much as $533 a year by earning policy discounts
  • MINI Hardtop 2-Door insurance costs around $227 less per year than the average vehicle

MINI Hardtop 2-Door insurance rates don’t have to keep you down. We make comparison shopping for MINI Hardtop 2-Door insurance quotes easy. Did you know that MINI Hardtop 2-Door full coverage costs around $1,292 a year or $108 each month? And a MINI Hardtop 2-Door liability-only policy costs around $518 a year or $43 each month. MINI Hardtop 2-Door insurance rates don’t have to break the bank. Read on to find out more.

You can start comparing quotes for MINI Hardtop 2-Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 2-Door Insurance Cost

The average MINI Hardtop 2-Door car insurance costs are $1,292 a year or $108 a month.

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Are MINI Hardtop 2-Doors Expensive to Insure?

The chart below details how MINI Hardtop 2-Door insurance rates compare to other coupes like the Mercedes-Benz CLA 250, Audi S5 and Audi TT.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2-Door $282 $536 $338 $1,292
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Audi S5 $394 $864 $398 $1,814
Audi TT $382 $714 $398 $1,652
Nissan 370Z $332 $714 $450 $1,676
Cadillac ATS Coupe $344 $686 $398 $1,586
Dodge Challenger $404 $688 $420 $1,692
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However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Hardtop 2-Door Insurance?

The MINI Hardtop 2-Door trim and model you choose will affect the total price you will pay for MINI Hardtop 2-Door insurance coverage.

Age of the Vehicle

The average MINI Hardtop 2-Door car insurance rates are higher for new/older models. For example, car insurance for a 2018 MINI Hardtop 2-Door costs $1,292, while 2017 MINI Hardtop 2-Door insurance costs are $1,286, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 2-Door $282 $536 $338 $1,292
2017 MINI Hardtop 2-Door $272 $524 $354 $1,286
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Driver Age

Driver age can have a significant effect on MINI Hardtop 2-Door car insurance rates. As an example, a 30-year-old driver pays around $57 more each year for their MINI Hardtop 2-Door car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on MINI Hardtop 2-Door insurance rates. For example, drivers in Los Angeles may pay $184 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on your MINI Hardtop 2-Door auto insurance rates. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 2-Door car insurance with violations on their driving record.

MINI Hardtop 2-Door Crash Test Ratings

MINI Hardtop 2-Door crash test ratings can impact the cost of your MINI Hardtop 2-Door car insurance. See MINI Hardtop 2-Door crash test results below:

Federal Government Crash Test Ratings 2020 2019 2018
Overall Rating 4 4 4
Frontal Crash 4 4 4
Side Crash 4 4 4
Rollover 4 4 4
Source: National Highway Traffic Safety Administration

MINI Hardtop 2-Door Safety Features

The MINI Hardtop 2-Door safety features can help lower insurance costs. According to AutoBlog, the 2020 MINI Hardtop 2-Door has the following safety features:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Pretensioners
  • Security system

MINI Hardtop 2-Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2-Door, most lenders will require your carry higher MINI Hardtop 2-Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 2-Door car insurance rates from the best companies using our FREE tool below.

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Ways to Save on MINI Hardtop 2-Door Insurance

There are several ways you can save even more on your MINI Hardtop 2-Door car insurance rates. Take a look at the following three tips:

  1. Aim to Drop your MINI Hardtop 2-Door Mileage Below 7500 Per Year
  2. Ask your Insurance Company About MINI Hardtop 2-Door Discounts
  3. Remove Young Drivers from your MINI Hardtop 2-Door Insurance Plan

Top MINI Hardtop 2-Door Insurance Companies

The best auto insurance companies for MINI Hardtop 2-Door car insurance rates will offer competitive rates, discounts, and account for the MINI Hardtop 2-Door’s safety features. The following list of car insurance companies outlines which companies hold the highest 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: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings
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Save money by comparing MINI Hardtop 2-Door insurance rates with free quotes online now!

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