The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?
Annual Mini car insurance premiums typically range from £400 for basic third-party cover to over £900 for comprehensive policies. Exact rates depend on driver age, location, model and other variables.
Factors that increase Mini insurance costs include:
When calculating premiums, insurers consider the following:
Recent accidents, traffic violations and disqualifications raise rates substantially, so having a clean record lowers insurance costs.
Daily-driver policies cost more than those covering occasional recreational use. Mileage also impacts premiums.
Some insurers offer discounts for approved security devices and secure garaging, which deter theft and damage and reduce the likelihood of claims.
Lower coverage levels reduce premiums but leave drivers exposed when filing a major claim.
Here are some ways you can get cheaper Mini insurance in the UK:
The Mini ranges from groups 11 to 33 depending on the model, engine size and specifications. The more powerful Cooper S and JCW editions are in higher groups.
Minis generally have a below-average to average reliability record, but their maintenance costs are lower than other premium brands, which makes them more appealing.
A 2017 Mini clubman has a five-star Euro NCAP safety rating, with good occupant-protection scores and available advanced driver-assistance systems.
According to estimates, Mini fuel consumption ranges from 35 to 50 miles per gallon depending on the engine, transmission and driving style.
Yes, the Mini Electric is an all-electric vehicle released in 2020 and a new all-electric Mini Countryman became available in 2024.
