How much does insurance cost for a 2024 Mini Cooper?

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When most people shop for a car, the focus is usually on the sticker price, gas mileage, or features. But insurance is a big part of the total cost of ownership – and it can vary a lot.

Full coverage – liability, collision, and comprehensive – costs $2,164 per year ($180 per month) with 100/300/100 limits and $500 deductibles.

2024 Mini Cooper insurance premiums by state

Insurance rates can look very different depending on where you live. Your ZIP code plays just as big a role in what you pay as factors like your age or driving record. That means the cost to insure a Cooper in California could be much higher-or lower-than in Florida.

Below, we break down the states where car insurance is the most affordable, and where it’s the most expensive.

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 states with affordable coverage include Idaho, Ohio, Maine, and Vermont.

The table below shows the cheapest states to insure a 2024 Mini Cooper.

State name	Average annual premium
Hawaii	$1,427
Idaho	$1,456
Ohio	$1,491
Maine	$1,532
Vermont	$1,598

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.

The table below shows which states have the most expensive 2024 Mini Cooper insurance rates.

State name	Average annual premium
Louisiana	$3,561
Texas	$3,127
Colorado	$2,745
Kentucky	$2,740
Michigan	$2,701

Breaking down 2024 Mini Cooper insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2024 Mini Cooper compare across trim levels.

Trim	Average annual premium
Convertible Cooper	$2,078
Convertible Cooper S	$2,157
Hardtop 2 Door Cooper	$2,096
Hardtop 2 Door Cooper S	$2,178
Hardtop 4 Door Cooper	$2,231
Hardtop 4 Door Cooper S	$2,242

Factors that affect 2024 Mini Cooper car insurance premiums

Insurance for a 2024 Mini Cooper doesn’t come with a one-size-fits-all price. Premiums vary based on factors like the vehicle’s age, trim level, driver profile, and the coverage limits selected. Here’s how it breaks down:

Vehicle-related factors

Vehicle value. Newer or higher-priced models generally cost more to insure since repairs and replacements are more expensive.
Repair costs. If the Cooper has above-average repair or parts expenses, insurers factor that in with higher premiums.
Safety ratings. Strong crash-test scores and features like airbags, lane assist, and anti-lock brakes can lower rates and may even earn discounts.
Theft risk. Models that are commonly stolen tend to have higher insurance costs.

Personal factors

Age and gender. Younger and less experienced drivers usually face higher premiums.
Location. Living in a densely populated area with more accidents or thefts often leads to higher insurance rates.
Driving history. A clean record can help lower your costs, while tickets or accidents can quickly raise them.
Annual mileage. The more time your Cooper spends on the road, the greater the risk, and insurers typically charge more as a result.

Policy choices

Coverage level. Full coverage policies cost more than liability-only, but they offer broader protection.
Deductible amount. A higher deductible can lower your premium, but it also means paying more out of pocket if you file a claim.
Optional add-ons. Features like roadside assistance, gap insurance, or rental reimbursement provide extra peace of mind but increase 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.

Company group	Average annual premium
Nationwide	$1,597
GEICO	$1,799
State Farm	$1,819
Progressive	$1,984
Farmers	$2,574
Allstate	$3,225

How to lower 2024 Mini Cooper insurance premiums

Here are some ways to lower your auto insurance rates.

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.

Model year	Average annual premium
2014	$1,614
2015	$1,687
2016	$1,748
2017	$1,788
2018	$1,852
2019	$1,935
2020	$1,999
2021	$2,007
2022	$2,065
2023	$2,171
2024	$2,164

How expensive is it to insure a 2024 Mini Cooper?

It costs an average of $2,164 per year to insure a 2024 Mini Cooper, which is $499 less than the national average of $2,663.

Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for your 2024 Mini Cooper.

Methodology

Insure.com commissioned Quadrant Information Services to gather insurance rates for new and used vehicles. Rates are based on a 40-year-old male driver with full coverage (100/300/100 limits and $500 deductibles for collision and comprehensive). The data set includes 1,661 makes and models, more than 67 million quotes from 57 companies, and 510 ZIP codes nationwide. These numbers are for comparison purposes only – your actual rate may differ.

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Shivani Gite

Contributing Writer

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.

On this page

2024 Mini Cooper insurance premiums by state
Breaking down 2024 Mini Cooper insurance cost by trim level
Factors that affect 2024 Mini Cooper car insurance premiums
Cheapest insurance companies for insuring a 2024 Mini Cooper
How to lower 2024 Mini Cooper insurance premiums
Cooper insurance premiums by model year
How expensive is it to insure a 2024 Mini Cooper?
Methodology