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Three best and worst states to insure a used Mini Cooper

If you are planning to buy a used Mini Cooper in the United States, you are probably wondering how much insuring it will cost in your state. A used Mini Cooper will cost you, on an average, $17,299 in the United States, and insuring it will cost you $1532.

There are some states where the insurance costs are the least of your concerns, and the cost of the vehicle is the problem. If you live in one of these states, the good news is that your annual cost of insurance is low. You can avoid high purchase costs by buying your car from another state.

The three best states to insure a used Mini Cooper are listed in the table below. The insurance percentage in the table is the percentage of median price that is spent on insurance.

State Year Range Insurance Average ($) Median Price ($) Insurance Percentage (%)
Maine 2005 - 2012 876 15,900 5
Iowa 2005 - 2012 968 16,905 5
Indiana 2005 - 2012 1,036 19,387 5

The Mini Cooper is available for a median price of $10,777 in Delaware, so it might be wise for those from Indiana to buy it from Delaware. Even if you add auto transport insurance and shipping costs, you might end up saving more than $5,000 on purchase costs.

As of November 29, 2013, the data collected shows us that the highest average yearly insurance for a Mini Cooper is paid by Arkansas. The table below lists the most expensive states to insure a Mini Cooper.

State Year range Insurance average ($) Median price ($) Insurance percentage (%)
Louisiana 2005-2012 2,357 16,500 14
Michigan 2005-2012 2,663 14,995 17
Georgia 2005-2012 2,995 13,949 21

If you live in Louisiana, Michigan, or Georgia, you will have to shell out more than $2,000 every year to insure a Mini Cooper. You will have to resort to some other tactics to marginally lower your premiums. You could invest in an anti-theft device for your car, talk to your insurance carrier about adding teens to your policy, and add frequent drivers to your policy.

Average Yearly Insurance Premium $1,500
Mini Cooper MSRP $26,200
Estimated Monthly Income to Afford a Mini Cooper Car including Insurance $490

Mini Cooper - Average Insurance Price by Segment

Male $1,990
Male Married $1,960
Female $1,150
Female Married $1,100
Teenage Boy $3,360
Teenage Girl $5,520

Mini Cooper Safety Features - 2013

Side airbags: front and rear head curtain airbags and front seat-mounted torso airbags Passenger knee airbag: a separate airbag in the lower instrument panel designed to minimize knee injuries in frontal crashes Electronic stability control Antilock brakes Programmable daytime running lights (optional)

Expensive States for Insuring Mini Cooper

RankStateAverage Insurance of Mini CooperMSRPEstimated Monthly Income to Afford a Mini Cooper including Insurance Cost
1 Georgia $2,700 $26,100 $510
2 Michigan $2,600 $26,100 $510
3 Louisiana $2,400 $26,100 $510
4 Oklahoma $2,000 $26,100 $500
5 Montana $1,900 $26,100 $500
6 Kentucky $1,900 $25,600 $490
7 Connecticut $1,900 $26,100 $500
8 West Virginia $1,700 $26,100 $490
9 Rhode Island $1,700 $25,800 $490
10 Pennsylvania $1,700 $26,100 $490

Cheap States for Insuring Mini Cooper

RankStateAverage Insurance of Mini CooperMSRPEstimated Monthly Income to Afford a Mini Cooper including Insurance Cost
1 Maine $900 $26,100 $480
2 Iowa $1,000 $26,100 $480
3 Indiana $1,000 $26,100 $480
4 North Carolina $1,100 $24,800 $460
5 Ohio $1,100 $26,900 $500
6 Colorado $1,200 $26,100 $480
7 Idaho $1,200 $31,600 $580
8 Illinois $1,200 $26,100 $480
9 New Hampshire $1,200 $26,100 $480
10 South Carolina $1,200 $26,100 $480

Mini Cooper - Remaining States under Study

RankStateAverage Insurance of Mini CooperMSRPEstimated Monthly Income to Afford of Mini Cooper including Insurance Cost
1 Virginia $1,200 $26,100 $480
2 Washington $1,200 $26,100 $480
3 Wisconsin $1,200 $27,300 $510
4 Arizona $1,300 $27,400 $510
5 Florida $1,300 $26,100 $490
6 Kansas $1,300 $26,100 $490
7 Mississippi $1,300 $26,100 $490
8 North Dakota $1,300 $24,000 $450
9 New York $1,300 $26,100 $490
10 Vermont $1,300 $26,100 $490
11 Alaska $1,400 $27,400 $510
12 Nebraska $1,400 $26,100 $490
13 New Mexico $1,400 $26,100 $490
14 Oregon $1,400 $27,400 $510
15 Wyoming $1,400 $22,400 $420
16 Delaware $1,500 $26,100 $490
17 Hawaii $1,500 $27,900 $520
18 Minnesota $1,500 $26,100 $490
19 Nevada $1,500 $26,100 $490
20 Texas $1,500 $26,400 $490
21 Utah $1,500 $26,100 $490
22 Alabama $1,600 $26,900 $510
23 Massachusetts $1,600 $26,600 $500
24 Maryland $1,600 $26,100 $490
25 Tennessee $1,600 $26,100 $490
26 Arkansas $1,700 $26,100 $490
27 California $1,700 $24,300 $460
28 Missouri $1,700 $26,100 $490
29 New Jersey $1,700 $26,100 $490

Mini Cooper Models Comparison

Model Style Cylinders MSRP Average Premium of Mini Cooper models Est. Monthly Income to Afford a Mini Cooper including Insurance Cost
Cooper 2 Door Convertible 4 cyl. $26,200 $1,400 $490
Cooper 2 Door Hatchback 4 cyl. $26,200 $1,510 $490
Cooper Clubman 2 Door Hatchback 4 cyl. $26,200 $1,480 $490
Cooper Clubman S 2 Door Hatchback 4 cyl. $26,200 $1,550 $490
Cooper Countryman 2 Door MPV 4 cyl. $26,200 $1,460 $490
Cooper Countryman S 2 Door MPV 4 cyl. $26,200 $1,520 $490
Cooper Countryman S ALL4 2 Door MPV AWD 4 cyl. $26,200 $1,570 $490
Cooper John Cooper Works 2 Door Hatchback 4 cyl. $26,200 $1,650 $490
Cooper S 2 Door Hatchback 4 cyl. $26,200 $1,500 $490
Cooper S 2 Door Convertible Turbo 4 cyl. $26,200 $1,410 $490

Mini Cooper vs Small Coupe Insurance Comparision