Over the past year, Jerry has helped 2,144 Mini drivers find smarter coverage and real savings. By analyzing real Mini insurance policies, we know what owners are paying and what you can expect for each level of protection.
Competitive annual prices for Mini drivers are currently around:
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$935 for basic coverage.
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$2,263 for standard coverage.
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$2,815 for premium coverage.
Your exact rate depends on your location, driving record, and model—whether you drive a Cooper, Countryman, or Clubman.
On average, Mini drivers pay between $2,041 and $4,837 annually for full coverage, with an average premium around $4,020. That’s slightly above the national average of $4,056, reflecting Mini’s turbocharged engines, specialty parts and sporty performance.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Mini insurance with Jerry.
How much does Mini insurance cost?
Mini insurance costs can vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even two Mini drivers in the same city can pay vastly different rates. Jerry compares top insurers in real time so you can find coverage that fits your car and your budget.
What’s the best insurance for a Mini?
Owning a Mini means driving something fun, agile and full of character. Protecting that investment takes coverage that’s as balanced and dependable as your car itself.
If your Mini is financed or leased, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.
Jerry recommends Mini drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for small cars with high-quality parts and big performance.
Here are the coverage options Mini drivers choose most often and why they matter.
Higher liability limits
Minis may be compact, but at-fault accidents can still get costly. Around 43% of Jerry Mini drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision coverage protect your Mini from theft, weather and at-fault damage. Roughly a third (36%) of Mini drivers carry full coverage for better peace of mind.
OEM parts coverage
Keeps your Mini performing at its best with genuine parts and specialized technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Mini with a new model if it’s totaled early in ownership. Especially valuable for newer Coopers or high-performance variants like the JCW.
Roadside assistance
Covers towing, lockouts, and jump-starts. Minis come with complimentary roadside assistance for four years, but many drivers extend coverage after that.
Rental reimbursement
Covers the cost of a rental car while your Mini is being repaired. Most insurers offer 30 to 45 days of coverage depending on your plan and state.
Gap insurance
Covers what’s left on your lease or loan if your Mini is totaled. About 39% of drivers add gap coverage when financing their vehicle.
Accident forgiveness
Prevents your rate from increasing after your first at-fault accident. Without it, Mini drivers can see premiums rise by around 29%.
See coverage options for your Mini.
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Coverage definitions
4 smart ways Mini drivers can shop and lower insurance costs
Finding the right insurance means balancing protection with price. For Mini owners, that balance depends on your model, how much you drive, and where you live.
Jerry’s experts help Mini drivers keep premiums low without cutting back on coverage that fits their lifestyle. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 45% to 77% among Mini drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use telematics | 6% among Mini drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before renewing
Not every insurer gets Mini pricing right. Some overestimate repair costs, while others recognize their strong reliability and smaller size. Comparing quotes before renewal helps you lock in the right rate for the same protection.
Here’s where Mini drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | MINI drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 50% | 26% |
| Progressive | 50% | 68% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Mini drivers can save more than half by comparing quotes. Jerry shows real prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts for more savings
Mini drivers often qualify for multiple discounts like safe driver programs, low-mileage savings or multi-policy bundles, but insurers don’t always apply them automatically.
Jerry finds and stacks the discounts available to you so you don’t leave savings on the table.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Mini
From the classic Cooper to the Countryman SUV, every Mini has unique insurance needs. Many drivers buy more than the state minimum, keeping full coverage and higher limits on newer models then adjusting as their cars age.
Minimum
$61 – $145/mo
Offers the legal minimum limits, which vary by state.
Full
$135 – $313/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$165 – $376/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$185 – $412/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Mini drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for balanced protection that fits your car and your budget.
Tip 4: Try telematics for customized savings
Telematics programs use an app or plug-in device to track how you drive, measuring speed, braking and mileage to personalize your rate. For Mini drivers, these programs can save up to 6% on premiums, especially for those with smooth, city-friendly driving habits.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Mini drivers, real savings
See how much Mini owners are saving. Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Mini insurance can vary, but overpaying doesn’t have to be part of the journey. Whether you drive a Cooper, Clubman or Countryman, Jerry helps you find coverage that matches your Mini’s style, agility and value.
We compare top insurers, uncover discounts and handle renewals, so your coverage stays simple, affordable and effortless.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
