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MINI Hardtop 2 Door Insurance Rates [Comprehensive Guide]

Key takeaways:

  • Full coverage costs around $1,292 a year or $108 each month
  • A liability-only policy costs around $518 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,722 a year or $394 each month
  • Good drivers can save as much as $533 a year by earning policy discounts
  • MINI Hardtop 2 Door insurance costs around $227 less per year than the average vehicle

MINI Hardtop 2 Door insurance rates are around $227 a year less than the average vehicle. Full coverage costs about $1,292 a year or $108 a month. Good drivers can save up to $533 a year by practicing safe driving habits. Let’s take a closer look at MINI Hardtop 2 Door insurance rates, safety features, and more.

You can start comparing quotes for MINI Hardtop 2 Door car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

MINI Hardtop 2 Door Insurance Cost

The average MINI Hardtop 2 Door auto insurance rates are $1,292 a year or $108 a month.

Are MINI Hardtop 2 Doors Expensive to Insure?

The chart below details how MINI Hardtop 2 Door insurance rates compare to other coupes like the Mercedes-Benz CLA 250, Audi TT, and Nissan 370Z.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Audi TT $382 $714 $398 $1,652
Nissan 370Z $332 $714 $450 $1,676
Dodge Challenger $404 $688 $420 $1,692
Cadillac ATS Coupe $344 $686 $398 $1,586
Audi S5 $394 $864 $398 $1,814
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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 2 Door Insurance?

The MINI Hardtop 2 Door trim and model you choose can impact the total price you will pay for MINI Hardtop 2 Door car insurance coverage.

Age of the Vehicle

The average MINI Hardtop 2 Door car insurance rates are higher for newer models. For example, car insurance for a 2018 MINI Hardtop 2 Door costs $1,292, while 2017 MINI Hardtop 2 Door insurance costs are $1,286, a difference of $6.

Model Year Comprehensive Collision Liability Total
2018 MINI Hardtop 2 Door $282 $536 $338 $1,292
2017 MINI Hardtop 2 Door $272 $524 $354 $1,286
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Driver Age

Driver age can have a significant effect on MINI Hardtop 2 Door car insurance rates. For example, 30-year-old drivers pay $57 more for MINI Hardtop 2 Door car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on MINI Hardtop 2 Door insurance rates. For example, drivers in Phoenix may pay $710 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your MINI Hardtop 2 Door car insurance rates. Teens and drivers in their 20’s see the highest jump in their MINI Hardtop 2 Door car insurance with violations on their driving record.

MINI Hardtop 2 Door Safety Ratings

Your MINI Hardtop 2 Door car insurance rates are tied to the safety ratings of the MINI Hardtop 2 Door. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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MINI Hardtop 2 Door Crash Test Ratings

Not only do good MINI Hardtop 2 Door crash test ratings mean you are better protected in a crash, but good MINI Hardtop 2 Door crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 2 Door 4 4 4 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Hardtop 2 Door Safety Features

The MINI Hardtop 2 Door safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your MINI Hardtop 2 Door auto insurance rates. The MINI Hardtop 2 Door’s safety features include:

  • Rear parking sensors
  • Forward collision warning
  • Automatic emergency braking
  • Automatic high-beam headlights
  • Rearview camera

MINI Hardtop 2 Door Finance and Insurance Cost

If you are financing a MINI Hardtop 2 Door, most lenders will require your carry higher MINI Hardtop 2 Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 2 Door car insurance rates from the best companies using our FREE tool below.

Ways to Save on MINI Hardtop 2 Door Insurance

There are many ways that you can save on MINI Hardtop 2 Door car insurance. Below are five actions you can take to find cheap MINI Hardtop 2 Door auto insurance rates.

  • Buy a Dashcam for Your MINI Hardtop 2 Door
  • Remove Unnecessary Insurance Once Your MINI Hardtop 2 Door is Paid Off
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About MINI Hardtop 2 Door Discounts If You Were Listed on Someone Else’s Policy
  • Buy a MINI Hardtop 2 Door with an Anti-Theft Device

Top MINI Hardtop 2 Door Insurance Companies

Who is the best company for MINI Hardtop 2 Door insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Hardtop 2 Door insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Hardtop 2 Door offers.

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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