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How to Find Cheap MINI Convertible Insurance Quotes

If you want to buy affordable MINI Convertible insurance coverage then you should know that a policy will cost $100 per month ($1,204 per year) on average. You can find cheap MINI Convertible insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $708 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 2020

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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

MINI Convertible insurance is actually around $315 less per year than the average vehicle. MINI convertibles are a lot of fun to drive and won’t break the bank.

Full coverage averages $1,204 a year or $100 a month, and good drivers can save up to $496 a year by being safe and courteous drivers while zipping around on the road. Let’s look into MINI Convertible insurance rates, safety features, 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 car insurance costs are $1,204 a year or $100 a month.

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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 SLC 300, and Mercedes-Benz SL 450.

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

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?

The MINI Convertible trim and model you choose can impact the total price you will pay for MINI Convertible insurance coverage.

Age of the Vehicle

Older MINI Convertible models generally cost less to insure. For example, car 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

Driver Age

Driver age can have a significant impact on MINI Convertible auto insurance rates. For example, 20-year-old drivers pay approximately $1,472 more each year for their MINI Convertible auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Convertible insurance rates. For example, drivers in Los Angeles may pay $446 a year more than drivers in Philadelphia.

Your Driving Record

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

MINI Convertible Crash Test Ratings

Not only do good MINI Convertible crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper MINI Convertible auto insurance rates.

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

MINI Convertible Safety Features

Having a variety of safety features on your MINI Convertible can help lower your MINI Convertible insurance costs. The MINI Convertible’s safety features include:

  • Front, side-impact, ceiling-mounted, side-curtain, and knee airbags
  • Integrated rollover bar.
  • LED headlamps
  • Head-Up Display
  • Parking Assistant

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.

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Ways to Save on MINI Convertible Insurance

Although it may seem like your MINI Convertible car insurance rates are set, there are a few measures that you can take to secure the best MINI Convertible car insurance rates possible. Take a look at the following five ways to save on MINI Convertible auto insurance.

  • Work with a Direct Insurer Instead of an Insurance Broker for Your MINI Convertible
  • Understand that Your Insurer Can Change Your MINI Convertible Auto Insurance Rates Mid-Term for Other Reasons
  • Ask for a Higher Deductible for Your MINI Convertible Insurance Policy
  • Provide Your MINI Convertible VIN When Requesting MINI Convertible Auto Insurance Quotes
  • Use Paperless Billing for Your MINI Convertible Insurance Policy

Top MINI Convertible Insurance Companies

Who is the top auto insurance company for MINI Convertible insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Convertible auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Convertible offers.

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 Free MINI Convertible Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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