Cheap MINI Auto Insurance in 2024 (Find Savings With These 10 Companies!)
Erie, State Farm, and Auto-Owners are the top picks for cheap MINI auto insurance. Erie has the cheapest minimum MINI rates at an average of $22/mo. Most MINIs are cheap to insure due to their safety and affordability, and comparing quotes at the cheapest MINI companies will ensure the best rate possible.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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UPDATED: Sep 13, 2024
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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 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.
UPDATED: Sep 13, 2024
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 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.
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563 reviewsThe top choices for cheap MINI auto insurance are Erie, State Farm, and Auto-Owners.
Although you’ll probably pay less for MINI insurance, researching your options can help you find cheap auto insurance. Other companies with cheap MINI car insurance rates are below.
Our Top 10 Company Picks: Cheap MINI Auto Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $22 A+ Customer Service Erie
#2 $33 A++ Personalized Policies State Farm
#3 $36 A++ Add-on Coverages Auto-Owners
#4 $37 A++ Coverage Options Travelers
#5 $39 A+ Combining Discounts Progressive
#6 $43 A+ Exclusive Benefits Hartford
#7 $44 A+ Widespread Availability Nationwide
#8 $56 A Discount Options American Family
#9 $61 A+ Safe-Driving Discounts Allstate
#10 $68 A Quick Claims Liberty Mutual
Read on to learn where to find the cheapest MINI auto insurance rates and see how much car insurance costs for a MINI. Then, compare insurance quotes to find the best auto insurance quotes for MINIs.
- Erie has the cheapest car insurance for MINIs
- Other affordable MINI companies include State Farm and Auto-Owners
- Drivers with poor driving records will pay the most for MINI auto insurance policies
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#1 – Erie: Top Overall Pick
Pros
- Customer Service: Erie has great customer service. Read our Erie auto insurance review to learn more about the company’s customer service.
- Credit Rating: Erie has solid financial reliability ratings.
- Policy Perks: Erie offers pet coverage, personal item coverage, and more.
Cons
- Limited Availability: Customers may not be able to get Erie insurance in their state.
- App Capabilities: Erie’s mobile app isn’t as versatile as other companies’ apps.
#2 – State Farm: Best for Personalized Policies
Pros
- Personalized Policies: Customers can personalize policies easily at State Farm, which our State Farm review explains in greater detail.
- Ease of Use: State Farm’s website and app allow customers to make changes and view policy details easily.
- Discount Variety: Discounts range from good student discounts to payment-in-full discounts.
Cons
- High-Risk Rates: State Farm’s rates aren’t as affordable for some drivers.
- Discount Availability: Not all states offer State Farm’s discounts.
#3 – Auto-Owners: Best for Add-On Coverages
Pros
- Add-On Coverages: Auto-Owners provides multiple extra coverages. Find out more in our review of Auto-Owners.
- Financial Strength: Auto-Owners is financially reliable.
- Customer Satisfaction: Most customers are satisfied with Auto-Owners’ customer service.
Cons
- Limited Availability: Only certain states sell Auto-Owners insurance.
- Digital Offerings: Auto-Owners’ digital tools aren’t as robust as other companies.
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#4 – Travelers: Best for Coverage Options
Pros
- Coverage Options: Learn about Travelers’ various coverages in our Travelers review.
- Financial Stability: Travelers has great financial reliability according to its ratings.
- Availability: You can purchase auto insurance from Travelers in any state.
Cons
- Discount Limitations: Discounts may be reduced or unavailable in some states.
- Rates Change by Location: Travelers may not be the cheapest in all states.
#5 – Progressive: Best for Combining Discounts
Pros
- Combining Discounts: Drivers can qualify for multiple discounts at Progressive.
- Financial Stability: Progressive is reliable when it comes to finances. Learn about this rating in our Progressive review.
- Availability: Customers can purchase auto insurance in any state.
Cons
- Limited Agents Locally: Progressive relies primarily on communication over the phone or the Internet.
- Customer Satisfaction: Progressive’s customer satisfaction rankings aren’t the highest.
#6 – The Hartford: Best for Exclusive Benefits
Pros
- Exclusive Benefits: The Hartford offers discounts to AARP members, which you can read more about in our review of The Hartford.
- Customer Service: Customers ranked customer service highly for The Hartford.
- Tailored Policies: Coverage selection includes basic and add-on coverages.
Cons
- Limited Discounts for Young Drivers: The Hartford doesn’t offer as many discounts for younger drivers.
- Coverage Availability: The Hartford doesn’t always offer all coverages in every state it sells in.
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#7 – Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Nationwide is widely available. Learn where Nationwide is available in our Nationwide review.
- Bundling Discounts: Combine two types of insurance at Nationwide for a discount.
- Financial Strength: You can count on Nationwide being financially sound.
Cons
- Availability of Discounts: Some states may have reduced or absent Nationwide discounts.
- Higher Rates in Some States: Nationwide’s rates in some states can be more expensive than the average.
#8 – American Family: Best for Discount Options
Pros
- Discount Options: Save with good student discounts and more. Our American Family review also goes over saving options.
- Local Agents: Customer service can be conducted in person with a local agent.
- Coverages: Customers can round out policies with roadside assistance and other add-on coverages.
Cons
- Limited Availability: Most states do not carry American Family insurance.
- Rate Higher for Few Drivers: High-risk drivers can have less affordable rates at American Family.
#9 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: MINI owners who keep a clean driving record can save at Allstate.
- Easy-To-Use App: Allstate’s app is user-friendly and allows customers to file claims, make changes, and more.
- Coverage Options: Allstate has roadside assistance and many more, which our Allstate review covers.
Cons
- Agent Availability: Allstate customers may be unable to find a local agent in their area.
- Customer Satisfaction: Ratings for Allstate’s customer service can be mixed.
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#10 – Liberty Mutual: Best for Quick Claims
Pros
- Quick Claims: Liberty Mutual’s claim process is quick and easy. Learn about its claims ratings in our Liberty Mutual review.
- Discount Options: MINI owners can save with any of the multiple discounts offered by Liberty Mutual.
- User-Friendly App: Liberty Mutual’s app is great for filing claims or making changes to policies.
Cons
- Agent Availability: MINI owners may not be able to find an agent in their area.
- High Rates for Some: Liberty Mutual can have high rates for drivers with poor driving records.
MINI Auto Insurance Coverage Options
No matter what car you own, you must meet your state’s minimum auto insurance requirements for liability coverage. Consisting of bodily injury liability and property damage liability, liability insurance pays for other parties’ accident bills if you cause an accident.
In addition, your state may also require you to carry insurance coverages like personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist insurance.
If you have a lease or loan on your MINI, your lender will require you to carry collision auto insurance and comprehensive auto insurance.
Collision auto insurance for a MINI will pay for your car’s repairs if you crash into another vehicle or object. In contrast, comprehensive insurance will pay for repairs if you crash into an animal or your MINI gets damaged by weather, vandalism, or falling objects.Kristen Gryglik Licensed Insurance Agent
Therefore, even if you aren’t required to carry collision or comprehensive insurance, we recommend carrying these coverages to protect you better on the road. You may want to consider other coverages your insurance company may offer to round out your auto insurance policy, including:
- Gap insurance
- Modified car insurance
- New car replacement insurance
- Rental car reimbursement insurance
- Rideshare insurance
- Roadside assistance coverage
- Umbrella Insurance
When shopping for the best MINI auto insurance, consider your specific needs. For example, if your car isn’t prone to breaking down and you are fine paying out of pocket in an emergency breakdown, you won’t want to pay extra monthly for roadside assistance insurance.
Auto Insurance Rates for MINIs
There are various factors that affect auto insurance rates for MINIs, such as your choice of insurance company, your driving record, and your model of MINI. Below, we’ll review all these factors affecting MINI insurance rates.
MINI Auto Insurance Rates by Company
Choosing a company that is cheaper on average will help you save, regardless of what car you drive. Take a look at the table below to see what some of the cheaper companies on the market are for car insurance policies.
MINI Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| American Family | $56 | $117 |
| Auto-Owners | $36 | $87 |
| Erie | $22 | $58 |
| Hartford | $43 | $113 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
For most drivers, cheap MINI insurance companies include Erie, State Farm, and USAA. However, USAA is only for military members and veterans, so even though it’s one of the cheapest companies on the market, it only sells to a limited pool of drivers.
Read More: USAA Auto Insurance Review
If you don’t qualify for USAA, we recommend getting quotes from different auto insurance companies for your MINI, starting with the companies with the cheapest averages like Erie.
Comparing MINI insurance quotes will help you find the cheapest company for you based on your personalized driving profile and coverage needs.
MINI Auto Insurance Rates by Model
The model of the MINI you own is another factor affecting your cost to insure a MINI. An older model with a low value won’t cost as much to insure as a brand-new MINI. More expensive models will also cost more to insure, as insurance companies must pay more for repair parts or a replacement vehicle if yours gets totaled.
A MINI hardtop four-door model costs slightly more to insure than the other models of MINI. However, a MINI convertible, the cheapest model to insure on our list, costs about $20 less on average a month to insure than the MINI hardtop four-door.
Of course, other factors go into determining your rates beyond just the model MINI you have. For example, your age and driving record will also affect your rates.
High-risk drivers, including those with at-fault accidents, traffic tickets, or DUIs, will pay more for insurance for MINIs than drivers with clean records. Younger drivers will also pay more, as insurance companies view them as high risk due to their experience, which makes them more likely to crash and file an auto insurance claim. Learn more about high-risk auto insurance.
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If younger drivers keep a clean driving record, though, they will see their MINI auto insurance rates drop in their 20s and 30s. Rates will also decrease again when drivers retire, as their annual mileage goes down once they no longer commute to and from work. Read more about auto insurance for young adults.
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Ways to Save on MINI Auto Insurance Coverage
If you’ve shopped around for auto insurance rates for your MINI and still want to reduce your rates further, there are a few other things you can try. The first is to apply for MINI insurance discounts.
Not all discounts automatically apply to your MINI auto insurance policy, so you may be able to apply for discounts, such as a good student discount, to reduce your auto insurance rates.
Other steps to try include the following:
- Bundle your insurance policies. If an insurance company sells more than one type of auto insurance, there’s a good chance it offers a bundling discount if you purchase more than one type of insurance, such as condo and auto insurance. Read more about how to save money by bundling insurance policies.
- Carry minimum insurance if your MINI is older. Suppose your MINI’s value significantly depreciates. In that case, you may want to carry only minimum liability insurance if you wouldn’t face a significant financial loss if your MINI gets damaged or totaled.
- Raise your MINI deductible. You can also raise auto insurance deductibles to reduce your rates. However, never raise it beyond an amount you can’t pay out of pocket after an accident.
Maintaining a clean driving record will also help keep your MINI car insurance costs low since you’re proving that you’re a low-risk driver and are less likely to file a claim at your auto insurance company.
MINI Auto Insurance: Find the Best and Cheapest Policy Today
Finding the best auto insurance for your MINI requires a bit of groundwork, as getting quotes and comparing auto insurance rates is the best way to find savings. You can also apply for MINI auto insurance discounts, bundle insurance coverages, raise your deductible, and more.
If you want to quickly and easily find the best auto insurance rate for your MINI, enter your ZIP code into our free quote comparison tool below. It will compare MINI auto insurance costs from top companies in your area to help you find the best rate and coverage for your needs.
Frequently Asked Questions
How much does car insurance cost for a MINI?
On average, a full coverage policy for a MINI costs less than $200 per month. However, rates will change based on your MINI model, coverages, driving record, and more, so these averages are just guidelines that show what the best auto insurance companies charge drivers.
Will the make and model of a MINI affect auto insurance rates?
Yes, the make and model will affect your auto insurance rates. For example, MINI Cooper car insurance costs will be different than MINI Hardtop car insurance costs. A newer, more expensive MINI will also cost more to insure than an older MINI that has depreciated in value.
What is MINI Auto Insurance?
MINI Auto Insurance refers to a type of auto insurance coverage specifically designed for small or compact vehicles, commonly known as “MINI Cars.” It provides insurance protection for these vehicles against various risks, including accidents, theft, and property damage.
Are there any specific considerations when insuring a MINI car?
When insuring a MINI car, there are a few considerations to keep in mind. Due to the smaller size and potentially higher risk of damage, collision and comprehensive coverage may be of particular importance for MINI cars. It’s also essential to review the policy’s limits and deductibles to ensure they provide adequate protection for your specific vehicle.
Do auto insurance companies consider MINIs luxury cars?
Yes, MINIs are considered luxury cars even though they may not be considered as flashy as other brands like Mercedes (read more: Best Auto Insurance for Luxury Cars).
Are MINI cars generally more expensive to insure?
The cost of insurance for a MINI car can vary depending on several factors, including the model, make, age, and safety features of the vehicle, as well as the driver’s profile. In some cases, MINI cars may be more affordable to insure due to their lower market value and potentially lower repair costs. However, it’s always recommended to compare insurance quotes from multiple providers to find the best coverage and price for your MINI car.
What’s the cheapest car insurance to go with?
Erie has the most affordable MINI car insurance.
Are MINIs going up in value?
MINIs that are considered classics may be going up in value due to their collector status (read more: Does my car qualify for classic auto insurance?).
Do MINIs break a lot?
MINIs are about average for repairs and breakdowns.
Are MINIs easily stolen?
MINIs are not among the most commonly stolen cars. If you are worried about your MINI being stolen, carry comprehensive auto insurance on your MINI.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
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.
