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MINI Hardtop 4 Door Insurance Quotes [How to Find Cheap Rates]

MINI Hardtop 4 door insurance rates $118/mo or $1,416/yr and costs $103 less per year than other vehicles. Good drivers can save as much as $182/mo or $2,184/yr on MINI hardtop 4 door insurance over higher-risk drivers.

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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 28, 2020

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Key takeaways:

  • Full coverage costs around $1,416 a year or $118 each month
  • A liability-only policy costs around $568 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,175 a year or $431 each month
  • Good drivers can save as much as $584 a year by earning policy discounts
  • MINI Hardtop 4 Door insurance costs around $103 less per year than the average vehicle

MINI Hardtop 4 Door insurance rates are around $103 less annually than the average vehicle with full coverage costing around $1,416 a year or $118 a month. Teens have the highest rates at around $5,175 a year or $431 a month.

Good drivers can save up to $584 a year in policy discounts by staying claim-free. We’re going to take a quick look at MINI Hardtop 4 Door insurance rates, safety features, and more.

You can start comparing quotes for MINI Hardtop 4 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Hardtop 4 Door Insurance Cost

The average auto insurance rates for a MINI Hardtop 4 Door cost $1,416 a year or $118 a month.

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Are MINI Hardtop 4 Doors Expensive to Insure?

The chart below details how MINI Hardtop 4 Door insurance rates compare to other sedans like the Ford Focus, Ford Fusion, and Subaru Legacy.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 4 Door $294 $566 $398 $1,416
Ford Focus $244 $536 $398 $1,336
Ford Fusion $336 $626 $372 $1,492
Subaru Legacy $370 $506 $338 $1,350
Chevrolet Sonic $270 $536 $398 $1,362
Honda Accord $280 $500 $372 $1,310
Nissan Versa $268 $542 $390 $1,358

However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Hardtop 4 Door Insurance?

The MINI Hardtop 4 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 4 Door auto insurance coverage.

Age of the Vehicle

The average MINI Hardtop 4 Door car insurance rates are higher for newer models. For example, car insurance for a 2018 MINI Hardtop 4 Door costs $1,416, while 2017 MINI Hardtop 4 Door insurance costs are $1,410, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 4 Door $294 $566 $398 $1,416
2017 MINI Hardtop 4 Door $284 $552 $416 $1,410

Driver Age

Driver age can have a significant effect on MINI Hardtop 4 Door car insurance rates. For example, 30-year-old drivers pay $62 more for MINI Hardtop 4 Door car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in Phoenix may pay $778 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of MINI Hardtop 4 Door car insurance. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 4 Door car insurance with violations on their driving record.

MINI Hardtop 4 Door Safety Features

The MINI Hardtop 4 Door safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your MINI Hardtop 4 Door auto insurance rates. The MINI Hardtop 4 Door’s safety features include:

  • Active Brakes
  • Dynamic Stability Control
  • Cornering Brake Control
  • Head-Up Display
  • Adaptive Cruise Control
  • Crash Sensor System
  • Rollover Protection Bar

MINI Hardtop 4 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 4 Door, most lenders will require your carry higher MINI Hardtop 4 Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 4 Door car insurance rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on MINI Hardtop 4 Door Insurance

Drivers can end up saving more money on their MINI Hardtop 4 Door car insurance rates by employing any one of the following strategies.

  • Take Public Transit Instead of Driving Your MINI Hardtop 4 Door
  • Use a Service Like Turo to Rent Out Your MINI Hardtop 4 Door
  • Don’t Always Pick the Cheapest MINI Hardtop 4 Door Insurance Policy
  • Consider Renting a Car Instead of Buying a Second MINI Hardtop 4 Door
  • Ask About MINI Hardtop 4 Door Discounts If You Were Listed on Someone Else’s Policy

Top MINI Hardtop 4 Door Insurance Companies

Several top car insurance companies offer competitive rates for the MINI Hardtop 4 Door rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with MINI Hardtop 4 Door drivers organized by market share.

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 4 Door Insurance Quotes Online

To start comparing MINI Hardtop 4 Door car insurance quotes for free, use our online car insurance comparison tool.

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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