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How to Find Cheap MINI Hardtop 2 Door Insurance Quotes

MINI Hardtop 2 Door insurance rates average at $108 a month, but you can find cheap car insurance quotes by comparing MINI Hardtop 2 Door insurance quotes online. Remember that your driving record and the year of your MINI Cooper will influence your MINI Hardtop 2 Door insurance costs.

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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: Jul 22, 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 are around $227 a year less than the average vehicle, with full coverage costing around $1,292 a year or $108 a month. Good drivers can save up to $533 a year for staying claim-free. Let’s take a look at MINI Hardtop 2 Door insurance rates, safety features, and 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 rates 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 Infiniti Q60, Mercedes-Benz CLA 250, and Audi TT.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Infiniti Q60 $382 $744 $398 $1,682
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Audi TT $382 $714 $398 $1,652
Nissan 370Z $332 $714 $450 $1,676
Dodge Challenger $404 $688 $420 $1,692
Audi S5 $394 $864 $398 $1,814

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?

Even though the average annual rate for the MINI Hardtop 2 Door is $1,292, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your MINI Hardtop 2 Door.

Age of the Vehicle

Older MINI Hardtop 2 Door models generally cost less to insure. For example, auto insurance rates for a 2018 MINI Hardtop 2 Door are $1,292, while 2017 MINI Hardtop 2 Door rates 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

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 Houston may pay $953 a year more than drivers in Columbus.

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 Safety Ratings

Your MINI Hardtop 2 Door auto insurance rates are tied to the MINI Hardtop 2 Door’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

MINI Hardtop 2 Door Crash Test Ratings

If the MINI Hardtop 2 Door crash test ratings are good, you could have lower MINI Hardtop 2 Door car insurance rates. See MINI Hardtop 2 Door crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 2 Door 4 4 4 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

MINI Hardtop 2 Door Safety Features

Having a variety of safety features on your MINI Hardtop 2 Door can help lower your insurance costs. According to AutoBlog, the 2020 MINI Hardtop 2 Door’s safety features include:

  • Rear parking sensors
  • Forward collision warning
  • Automatic emergency braking
  • Automatic high-beam headlights
  • Rearview camera

MINI Hardtop 2 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2 Door, you will pay more if you purchase MINI Hardtop 2 Door car insurance at the dealership, so be sure to shop around and compare MINI Hardtop 2 Door car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on MINI Hardtop 2 Door Insurance

If you want to reduce the cost of your MINI Hardtop 2 Door insurance rates, follow these tips below:

  • Take Public Transit Instead of Driving Your MINI Hardtop 2 Door
  • Move to the Countryside
  • Compare MINI Hardtop 2 Door Quotes Online
  • Install an Aftermarket Anti-Theft Device for Your MINI Hardtop 2 Door
  • Get Married and Ask for a Discount

Top MINI Hardtop 2 Door Insurance Companies

Who is the top auto insurance company for MINI Hardtop 2 Door insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Hardtop 2 Door auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Hardtop 2 Door 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 Hardtop 2 Door Insurance Quotes Online

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

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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