Compare Cheap MINI Hardtop 4-Door Insurance Quotes

MINI Hardtop 4-Door insurance rates are $118 per month on average, but a good driving record can save you money on your MINI Hardtop 4-Door auto insurance policy. Start comparing MINI Hardtop 4-Door insurance quotes online now with our free tool below. Comparison shopping online with this guide is the easiest way to save money on your MINI Hardtop 4-Door insurance coverage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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 $103 cheaper than the average vehicle. However, teen drivers could pay up to $431 per month for MINI Hardtop 4-Door insurance rates. Continue reading to learn how you can save money on MINI Hardtop 4-Door insurance rates.

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

MINI Hardtop 4-Door Insurance Cost

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

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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 Subaru Legacy, Audi S3, and Honda Civic.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 4-Door $294 $566 $398 $1,416
Subaru Legacy $370 $506 $338 $1,350
Audi S3 $356 $744 $264 $1,474
Honda Civic $280 $656 $420 $1,536
Subaru WRX $320 $566 $338 $1,360
Hyundai Elantra $280 $562 $372 $1,372
Cadillac CTS $320 $626 $398 $1,502
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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

The average MINI Hardtop 4-Door insurance rates are higher for newer models. 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 effect on MINI Hardtop 4-Door insurance rates. As an example, a 30-year-old driver pays around $62 more each year for their MINI Hardtop 4-Door insurance than a 40-year-old driver.

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 $863 a year more than drivers in Seattle.

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 with violations on their driving record.

MINI Hardtop 4-Door Safety Ratings

Your MINI Hardtop 4-Door insurance rates are tied to the MINI Hardtop 4-Door’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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MINI Hardtop 4-Door Crash Test Ratings

MINI Hardtop 4-Door crash test ratings can impact your MINI Hardtop 4-Door insurance rates. See MINI Hardtop 4-Door crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Hardtop 4-Door lN/R N/R N/R N/R
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

MINI Hardtop 4-Door safety features can lower the cost of your insurance. The safety features for the 2020 MINI Hardtop 4-Door 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, most lenders will require your carry higher MINI Hardtop 4-Door coverage options including comprehensive coverage, so be sure to shop around and compare MINI Hardtop 4-Door auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on MINI Hardtop 4-Door Insurance

There are many ways that you can save on MINI Hardtop 4-Door auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your MINI Hardtop 4-Door insurance rates low.

  • Move to an Area with Better Weather
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Get Cheaper MINI Hardtop 4-Door Insurance Rates as a Full-Time Parent
  • Check Your MINI Hardtop 4-Door Policy Carefully to Ensure All Information is Correct

Top MINI Hardtop 4-Door Insurance Companies

Several top auto insurance companies offer competitive rates for the MINI Hardtop 4-Door rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with MINI Hardtop 4-Door drivers organized by 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

Save on your MINI Hardtop 4-Door insurance rates by taking advantage of our FREE comparison tool.

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