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Mini Car Insurance

Compare car insurance prices for your Mini

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Who is Mini?

Founded in 1969 in the UK, the distinctive Mini brand has survived numerous changes of ownership. First conceived by British Motor Corporation, it became a make in its own right under British Leyland before being taken over by Rover Group in 1986.

When German car manufacturer BMW bought Mini in 2000, it launched a whole new Mini and has since extended the range to include estate and roadster versions.

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How much does a Mini cost to insure?

Insurance providers sort cars into different insurance groups, with one being the least expensive and 50 the most expensive. So the cost of insuring a Mini will depend on the model you have, although the price difference across the range is not as large as for some other makes.

Of the Minis available to buy in the UK, the Mini Cooper is by far the most popular, MoneySuperMarket data suggests. However, it’s neither the cheapest nor the most expensive to insure; at the top end it’s the Mini John Cooper Works with an average premium of about £695, at the bottom it’s the Clubman estate at just shy of £380 a year.

  • 1

    Three most popular models²

    1. Cooper - £519 /year to insure  

    2. One - £644 /year to insure

    3. Countryman - £377 /year to insure

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    Three most expensive models²

    1. John Cooper Works - £662 /year to insure

    2. One - £644 /year to insure

    3. Cooper S - £629 /year to insure

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    Three least expensive models²

    1. Cooper (122) - £345 /year to insure

    2. Countryman - £377 /year to insure

    3. Cooper Classic - £418 /year to insure

Who drives a Mini?

Minis are most commonly found in London, though they are also popular in the North West and the South East of England.

They are mainly driven by 30 to 39-year-old and 50 to 64-year-old motorists, each accounting for almost a fifth of the Mini drivers who took out their insurance through MoneySuperMarket3

Average car insurance premiums by age and policy type

3Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.

What cover do I need for my Mini?

When you insure your Mini, you’ll have three different policy types to choose from:

  • Fully comprehensive

    Fully comprehensive offers the most complete protection available, providing cover for both you and your car as well as any third-parties involved in an accident 

  • Third-party, fire and theft

    Third-party, fire and theft covers the cost of damage to other people, their vehicles and their property, but only offers protection for your own vehicle if it’s stolen or damaged by fire

  • Third-party only

    Third-party only car insurance covers you for damage to a third party, their vehicle or their property - but not for any damage done to your own car

What extra features can I add to my Mini policy?

Aside from the cover mentioned above, most car insurance policies can have various extra features added on – such as:

  • Breakdown cover

    Breakdown cover helps with the cost of calling out roadside assistance if your car breaks down

  • Motor legal protection

    Motor legal protection covers certain legal costs related to a car insurance claim you're involved in

How can I cut the cost of my Mini insurance?

There are a number of ways to try and lower your car insurance premiums. You can:

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    Increase your voluntary excess

    Agreeing to pay a higher voluntary excess towards any claims tells insurers you're unlikely to make frivolous claims

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    Avoid making small claims

    Paying for any minor damage yourself can help you build up your no-claims bonus - earning you cheaper premiums in the future

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    Lower your mileage

    Driving fewer miles reduces the risk of being involved in an accident as you'll be on the road less

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    Consider telematics

    Installing black box equipment in your car that allows the insurer to monitor your driving means they can reward good driving habits with lower premiums

Where can I find Mini car insurance?

It’s quick and easy to find car insurance for your Mini when you compare quotes with MoneySuperMarket. Just give us a few details about yourself, your car, and the cover you need, and we’ll search the market for deals that match your requirements.

Then, once you’ve found the deal you want, simply click through to the provider’s page to finalise your purchase.

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