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MINI auto insurance: what you need to know.

MINI owners believe good things come in small packages. Since 1959, over 10 million MINI models have been sold and the subcompact brand is known globally for its iconic hatchback design.

Today MINI, a division of BMW, offers several models including 3 or 5-door hatchbacks, a cabriolet, a subcompact SUV, and even a new electric hatchback. MINIs are great vehicles for city life due to their small size and what the company calls their “unique go-kart feeling.”

MINI offers a four-year or 80,000 km New Car Limited Warranty. MINIs are frequently awarded, not only for their quality but for their cool factor and efficiency. The brand has been honoured with several IIHS top safety pick awards, as well as by J.D. Power and Kelley Blue Book.

MINI insurance rates will vary. That’s because the car insurance rate you’re offered takes into account whether your MINI is brand new or used. Other things like the city you live in, your postal code, and, most importantly, your driving history will influence your rate. That’s why average rates for MINI car insurance don’t tell the full story.

The best way to get the cheapest MINI insurance rate is to use a comparison tool. Luckily, we can help with that. Apply for an auto insurance quote on to compare multiple offers instantly.

Read on to learn more about how to get the best insurance rates for your MINI vehicle.

How much is insurance for a MINI?

Insurance costs for your MINI are influenced by a multitude of factors and car brands are one of them.

Canadian car insurance companies actually catalogue claims costs by car make and model. The Canadian Loss Experience Automobile Rating (CLEAR) functions as a central repository for this data. Unfortunately, this information isn’t publicly accessible for the most part, though the Insurance Bureau of Canada compiles a redacted version of the database that you can use to see how your MINI stacks up against other cars in terms of claims costs (lower claims costs = a lower car insurance premium).

A lot of other factors that influence your insurance costs are out of your control, unfortunately. This includes the province or territory you call home makes a difference. Only Alberta, the Atlantic provinces, Ontario, Quebec and the Territories have private insurance markets. The provincial government is the insurance provider in all other provinces. Insurance costs in provinces with privatized insurance tends to cost more than in provinces with public insurance.

MINI drivers in big cities may find themselves paying higher premiums than those in smaller towns or rural communities. There can be variations in MINI insurance quotes between jurisdictions that you may not be aware of. For example, a resident of Toronto will pay more for car insurance than someone who lives in a smaller city like Peterborough, which is 140 km northeast of the province’s capital.

But there are things you can control. Your driving history matters a lot. Racking up speeding tickets and traffic violations will increase the cost of your MINI insurance, so avoid these at all costs. Having made claims on your drivers insurance in the past impacts your rate as well. For added security, you can purchase a claims protection endorsement, which is like a get out of jail card for your first claim.

MINI vehicle insurance quotes can also vary depending on how long you’ve had your licence. MINI insurance for young drivers can cost more than it does for experienced, older drivers. The costs are compounded by the fact that some insurers will view MINI as a luxury brand. If you’re a cost-conscious parent, be forewarned — a MINI is not the ideal starter car for a teenager.

Because of these and other factors, using average MINI insurance costs may not give you the accurate information you need. You’re better off applying for custom quotes online to get the true cost of insuring your MINI.

Check out real MINI car insurance rates offered to recent visitors.

Estimated Premium

Front view of a car. Illustration.

See how our customers in save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from March 27, 2023
Male, 31 years old
Lowest Rate
Average Rate
Quote from March 27, 2023
Female, 19 years old
Lowest Rate
Average Rate

Your questions about MINI auto insurance rates, answered.

What is the cheapest MINI to insure?

Some insurance companies may consider MINI models to be luxury vehicles, or high-risk vehicles. This means MINIs may not be as cheap to insure as other car brands, but this can vary by insurer. This is why it’s important to compare rates before choosing a policy.

Generally, though, lower-end models without custom trim typically cost less to insure than fully-equipped models. This is because in case of an accident, fewer advanced technological options, like backup cameras, car alarms and other technologies, can potentially reduce repair costs.

Your vehicle’s age, make, model, value, and potential repair costs are taken into account when MINI insurance brokers offer you quotes. Compare quotes to see how much you can expect to pay for insurance before you purchase your new or pre-owned MINI. A comparison tool like the one on instantly offers drivers seeking insurance dozens of quotes to compare and review.

Used vs. new MINIs: which is cheaper to insure?

The old rule of thumb is that the cheapest MINI to insure is a used model as opposed to a new one. Pre-owned MINI models that are five years or older generally don’t require extra insurance coverage. Meanwhile, leased new MINIs usually require both comprehensive and collision insurance. Collision insurance is recommended for new vehicles as well, but there’s a plus side to it. Aside from the deductible or possibly the cost of a rental car, there’s generally no out of pocket payment for the policyholder.

MINI used car insurance can cost less than what it costs to insure a new model. MINI dealerships offer ‘certified pre-owned models’ with a minimum of one year of warranty coverage for those seeking a pre-owned vehicle. Buyers can also purchase used MINIs from other auto dealerships or from private sellers. An online comparison tool like can be used to compare cheap MINI car insurance for new and pre-owned models to help you understand the true cost of insuring your vehicle.

What is the best car insurance for a MINI?

There isn’t one car insurance company that specializes in insuring MINI cars, so you need to review rates from multiple companies to find the insurer that can offer you the cheapest policy. That’s where a tool to compare MINI insurance rates like comes in.

The biggest difference impacting cost is who is driving the vehicle, and all the unique factors that impact your individual rates from location, to age, to insurance history. Additionally, MINI auto insurance quotes can vary because of different underwriting standards at different insurance companies. Insurance for someone with your profile may not necessarily cost you the same amount at different companies, because of the factors considered when creating your quote.

To find the best MINI vehicle insurance rates for their needs, drivers need to compare multiple options. Use our online comparison tool to compare multiple rates instantly and find the best insurance for you and your MINI.

How are auto insurance quotes for MINI calculated?

Companies take multiple factors into account when calculating quotes for MINI insurance. The best car insurance rates for MINIs can vary depending on your personal history and needs. Rates can also vary depending on the underwriting criteria of the insurer.

Whether insuring a new or pre-owned MINI, factors which will impact your quote include:

Customer loyalty: Taking out an entirely new policy can cost more than a MINI insurance renewal with your current insurance provider. This is because when you’re with an insurance company for a long time or renew your policy you can sometimes save more than taking a policy with a different provider.

History: If you’ve been recently at fault for an accident, you will face higher insurance premiums on your MINI model. MINI insurance claims can impact what you pay. Drivers with clean histories will notice a price difference on their MINI car insurance when insuring their vehicle.

Frequency of use: If you drive a lot for work or commute long distances you'll pay more than people who seldom use their vehicles. This is because the more you drive, the higher risk of collision you face. This factor can make a large difference in the cost of your MINI insurance coverage.

Age of driver: Typically, insurance gets cheaper as you age. This is because experienced drivers are statistically less likely to get into an accident than someone who’s new to driving. Even on used models, MINI insurance policies can be higher for those under age 25, especially if you’re a teenager.

Location: Residents of densely populated cities tend to have higher car insurance rates, because of increased risk of accidents or break-ins. The province or territory you live in also makes a difference when getting the best MINI insurance rate. Whether your province or territory offers private or public insurance is also a factor.

Use our online tool to review MINI insurance quotes to find the best policy and price for your needs and budget.

Is it safe to buy MINI insurance online?

Yes, it’s safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on and start saving today.

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