How much does insurance cost for a 2024 Mini Cooper?

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When shopping for a new vehicle, most people focus on the sticker price, fuel efficiency or available features – but insurance cost is also an important factor when calculating the cost of ownership.

Car insurance rates for a 2024 Mini Cooper vary based on the coverage level you choose. Costs differ because insurers weigh the amount of protection you’re buying, the risk they take on, and how much you’d pay out of pocket if you file a claim.

For full coverage-which generally includes liability, collision, and comprehensive protection-the average price is $2,164 per year ($180 per month). This estimate is based on coverage limits of 100/300/100 with $500 deductibles for collision and comprehensive.

2024 Mini Cooper insurance premiums by state

Where you live plays a huge role in what you’ll pay. ZIP codes can matter just as much as your driving history. That’s why insuring a Cooper in California might be far more expensive – or cheaper – than in Florida.

Here’s a look at the cheapest and most expensive states for 2024 Mini Cooper insurance.

Cheapest states to insure a 2024 Mini Cooper

Hawaii has the lowest average premium for 2024 Mini Cooper drivers at $1,427 per year ($119 per month). Other affordable states include Idaho, Ohio, Maine, and Vermont.

Most expensive states to insure a 2024 Mini Cooper

At the other end of the spectrum, Louisiana is the most expensive state for car insurance at $3,561 per year. Texas comes next at $3,127 annually, followed by Colorado at $2,745.

2024 Mini Cooper insurance premiums by trim level

Insurance rates also vary by trim. Higher trims often come with more powerful engines, luxury tech, and a bigger price tag – all of which can push premiums higher.

Factors that influence 2024 Mini Cooper insurance premiums

Insurance rates for a 2024 Mini Cooper aren’t set in stone. What you’ll pay depends on things like the car’s age, the trim you choose, who’s behind the wheel, and the coverage limits in the policy. Here’s a closer look at the factors that make a difference.

Vehicle-related factors

• Vehicle value. Newer or pricier models cost more to insure.
• Repair costs. Higher repair or parts costs drive up premiums.
• Safety ratings. Strong crash-test results and advanced safety features may reduce rates.
• Theft risk. Models frequently targeted by thieves cost more to cover.

Driver-related factors

• Age and gender. Younger drivers usually pay more.
• Location. City drivers face higher premiums than rural drivers.
• Driving history. Clean records lower costs, while tickets and accidents increase them.
• Annual mileage. More time on the road means more risk, and higher premiums.

Policy-related factors

• Coverage level. Full coverage costs more than liability-only, but offers broader protection.
• Deductible amount. Higher deductibles lower premiums but increase out-of-pocket costs after a claim.
• Optional add-ons. Coverage like roadside assistance, gap insurance, or rental reimbursement adds convenience but raises the total premium.

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Cheapest insurance companies for insuring a 2024 Mini Cooper

Nationwide offers the cheapest car insurance rates for a 2024 Mini Cooper, averaging $1,597 per year. Other insurers with competitive prices include GEICO, State Farm, and Progressive. The table below shows the companies with the most affordable 2024 Mini Cooper insurance rates.

How to lower 2024 Mini Cooper insurance premiums

Here are some ways to bring down your car insurance costs.

• Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
• Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
• Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
• Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
• Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
• Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Cooper insurance premiums by model year

Insurance rates for the Cooper change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2024 Mini Cooper by model year.

How expensive is it to insure a 2024 Mini Cooper?

On average, insuring a 2024 Mini Cooper costs $2,164 per year, which is $499 less than the national average of $2,663.

Insurance premiums vary widely, but comparing multiple quotes is the best way to make sure you’re paying a fair price while still getting strong protection.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.