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MINI Hardtop 4 Door Insurance Cost Estimate

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 $118 per month for full coverage and $47 per month for liability-only coverage. Read through this guide to see how you can save on MINI Hardtop 4 Door insurance rates.

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

Table of Contents

MINI Hardtop 4 Door Insurance Cost

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

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 Honda Accord, Hyundai Sonata, and Cadillac CTS.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 4 Door $294 $566 $398 $1,416
Honda Accord $280 $500 $372 $1,310
Hyundai Sonata $294 $532 $420 $1,426
Cadillac CTS $320 $626 $398 $1,502
Subaru WRX $320 $566 $338 $1,360
Mazda 3 $308 $562 $372 $1,400
Kia Optima $322 $532 $420 $1,454
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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 insurance coverage.

Age of the Vehicle

Older MINI Hardtop 4 Door models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant impact on the cost of MINI Hardtop 4 Door auto insurance. For example, 20-year-old drivers pay approximately $1,732 each year for their MINI Hardtop 4 Door auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 4 Door insurance rates. For example, drivers in New York may pay $368 a year more than drivers in Chicago.

Your Driving Record

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

MINI Hardtop 4 Door Safety Ratings

The MINI Hardtop 4 Door’s safety ratings will affect your MINI Hardtop 4 Door auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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MINI Hardtop 4 Door Crash Test Ratings

The crash test ratings of the MINI Hardtop 4 Door can impact your MINI Hardtop 4 Door auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 4 Door 3 stars 4 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Hardtop 4 Door Safety Features

Having a variety of safety features on your MINI Hardtop 4 Door can help lower your MINI Hardtop 4 Door insurance costs. The MINI Hardtop 4 Door’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Rear Park Distance Control Rear Parking Sensors
  • Automatic Emergency Braking
  • Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point and Pretensioners
  • Back-Up Camera

MINI Hardtop 4 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 4 Door, you will pay more if you purchase MINI Hardtop 4 Door auto insurance at the dealership, so be sure to shop around and compare MINI Hardtop 4 Door auto insurance quotes from the best companies using our FREE tool below.

5 Ways to Save on MINI Hardtop 4 Door Insurance

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

  • Carpool to Work Instead of Driving Your MINI Hardtop 4 Door
  • Understand the Different Types of Auto Insurance for Your MINI Hardtop 4 Door
  • Ask for a Higher Deductible for Your MINI Hardtop 4 Door Auto Insurance Policy
  • Buy a Dashcam for Your MINI Hardtop 4 Door
  • Ask About Loyalty Discounts

Top MINI Hardtop 4 Door Insurance Companies

The best auto insurance companies for MINI Hardtop 4 Door auto insurance rates will offer competitive rates, discounts, and account for the MINI Hardtop 4 Door’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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
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Compare Free MINI Hardtop 4 Door Insurance Quotes Online

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

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