Mini car insurance

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1Correct as of July 2024

How much does a Mini cost to insure?

The cost of car insurance for a Mini can vary quite a bit, depending on both the model and your individual circumstances.

The prices to insure some of the most popular Mini models are:

Model Average price*
Mini Cooper
Mini Cooper S
Mini Cooper Classic
John Cooper Works
Mini Cooper S Sport

1Based on data November 2023 - April 2024

What affects the price of car insurance?

Insurers use a variety of factors to determine insurance costs, including:

Your age: Generally, younger drivers are considered higher risk by insurers. This is because they normally have less experience on the roads than older drivers, meaning they are statistically more likely to be involved in an accident.

Where you live: Living in built-up areas with higher rates of vehicle theft will mean you're likely to pay more for insurance than rural areas that have less risk.

Your occupation: Insurers consider some jobs to be more risk than others. This could be because of how much time you spend on the road, the types of people you're likely to associate with, or where your car is likely to be kept while you're working.

Your car: Insurers rank vehicles from insurance groups 1 to 50, with 1 being the cheapest to insure and 50 being the most expensive. Mini insurance groups range from 11 to 40. The more powerful and expensive models in group 40 will cost more to insure.

Your driving history: Any previous claims or driving convictions will impact how much you pay.

How can I save on my Mini car insurance?

The price you pay to insure your Mini will depend on several factors, such as your age, location and driving history. However, there are still things you can do to try and help bring down the cost:

Shop around and compare quotes

Comparing prices is one of the best ways to insure you're getting the best deal for the cover you need. Our data suggests the best time to buy your policy is around 26 days2 before your renewal date.

Estimate your mileage accurately

Typically, the more miles you drive, the more your insurance will cost. This is because driving more puts you at a higher risk of making a claim. Our customers drive 6,621 miles per year, on average2. If you don't drive many miles, you might benefit from a pay-as-you-go policy.

Improve your car's security

Adding things like a steering wheel lock, car tracker, or immobiliser to reduce the chances of car theft. Parking in a secure garage rather than on a dimly lit street can also help reduce the likelihood of your Mini being stolen.

Build up your no-claims bonus (NCB)

Each year you're insured without making a claim, your NCB increases. Insurers offer discounts for each year of no-claims you build up. Some policies allow you to protect your no-claims discount, so you can make a certain number of no-fault claims in a year and not lose your NCB.

Pay annually rather than monthly

By paying annually, you can save on your car insurance. This is because when you pay monthly, insurers add interest onto the cost.

Add a named driver

Adding a driver with a good driving history can be especially helpful if you're a young driver. Just make sure you're honest about who the main driver is, otherwise this is known as 'fronting', which is illegal and can result in your insurance being invalidated.

Increase your voluntary excess

Generally, the higher your excess, the lower your insurance could be. Just make sure you set it at a level that you can afford to pay if needed.

What insurance can I get for my Mini?

There are 3 levels of car insurance you can choose from:

  • Third-party is the minimum level of insurance legally required to drive in the UK. With third-party insurance, you're covered if you damage someone else's vehicle or injure them while driving. Your passengers are covered too. It won't cover theft, damage or repairs needed for your Mini following an accident.
  • Third-party, fire and theft provides cover for everything included with third-party insurance, but also covers your Mini if it's stolen or damaged by fire.
  • Comprehensive insurance is the highest level of cover you can get. It offers everything included with third-party, fire and theft, as well as cover for you and your car in the event of an accident. Despite offering the most cover, comprehensive insurance is sometimes the cheaper option.

What optional add-ons can I get with my Mini insurance?

The add-ons you choose to include in your policy will depend on what you need from your cover. Some of the more common optional extras you might consider are:

Personal accident cover pays out if you're seriously injured or die in an accident. The amount paid out will usually depend on the injury you receive.

Breakdown cover provides assistance if you break down on the road. You can often choose different levels of breakdown cover, with each including different features. These can include roadside assistance, home start, and local or national recovery.

Motor legal protection means you can claim any legal expenses back if you need to claim following an accident-related injury. This can include the cost of solicitors, medical treatments and travel costs, depending on your policy.

Windscreen cover will cover the cost of replacing your windscreen following an accident. This cover usually extends to include side and rear windows.

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Page last reviewed: 24/04/2024

Reviewed by: Louise Thomas