MINI Insurance Costs | Youi

Information about indicative premium ranges and comparisons

When we display the indicative Comprehensive premium range for a car make and model, or offer a comparison of how a model’s annual premium compares to Youi premiums for all models for that car brand, we adopt some important guidelines:

The information displayed is based on Youi internal data for Comprehensive policies sold for the make and model between 10 Nov 2023 and 10 May 2024.
To improve how useful our data is, we only calculate our average comparisons on models where Youi data is available on at least 10 sold Comprehensive policies for that model.
As you would expect, we get some higher or lower premiums based on different risk ratings, so the indicative range does not represent all Youi customers. 80% of applicable Comprehensive car premiums purchased by our customers fell within or below the indicative premium range shown.
Premiums and offers to insure are subject to rating & underwriting, and your own individual circumstances.

What’s the average cost for MINI car insurance?

Here, we’ve listed some of the MINI models that Youi insures, and their average annual insurance premiums. How we calculate these numbers. If you’d like more detailed information about keeping your MINI covered, start a quote with us today.

How we calculate these numbers

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Mini Cooper Clubman

$1,258

Mini Cooper Countryman

$1,308

Mini Average

$1,310

Mini Cooper

$1,313

Choose your cover

Here are the levels of cover that Youi offers, to keep your MINI covered while you’re on the road. Take a look, and select the option that suits your needs.

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Interesting facts about MINI

The first MINI was launched in 1959

On 26 August 1959, the British Motor Corporation unveiled what was soon to become legendary: the MINI. The British engineer who was the mastermind behind the MINI was Alec Issigonis, who sought to create an economical car that offered a satisfying driving experience with agile handling. The MINI satisfied these criteria with the added bonus of making people smile wherever it went.¹

MINI was acquired by BMW in 1994

MINI became part of the BMW Group in 1994. In 2001, the new MINI Cooper was launched, which propelled the MINI brand into the 21st century. The MINI Cooper introduced a whole new generation to the joys of the MINI, by combining the precision of German engineering with a contemporary take on the classic MINI design.¹

MINI was a racing trailblazer in the 1960s

When Alec Issignosis created his original design for the MINI, he made more room in the cockpit by pushing the wheels out to the corners, and turning the engine sideways to create more passenger space. These features ended up making the MINI a surprisingly good performance car, as the wide wheels and transverse engine enhanced its balance and grip on the racetrack.²

The MINI was voted ‘European Car of the Century’ in 1999

By the end of the 20th century, over 5 million Classic MINI vehicles had been sold around the world. Such was its popularity, a panel of 130 international automotive journalists voted the MINI as the ‘European Car of the Century’ in 1999. It only just missed out on the ‘Car of the Century’ title, which was given to the Ford Model T.²

On 26 August 1959, the British Motor Corporation unveiled what was soon to become legendary: the MINI. The British engineer who was the mastermind behind the MINI was Alec Issigonis, who sought to create an economical car that offered a satisfying driving experience with agile handling. The MINI satisfied these criteria with the added bonus of making people smile wherever it went.¹

MINI became part of the BMW Group in 1994. In 2001, the new MINI Cooper was launched, which propelled the MINI brand into the 21st century. The MINI Cooper introduced a whole new generation to the joys of the MINI, by combining the precision of German engineering with a contemporary take on the classic MINI design.¹

When Alec Issignosis created his original design for the MINI, he made more room in the cockpit by pushing the wheels out to the corners, and turning the engine sideways to create more passenger space. These features ended up making the MINI a surprisingly good performance car, as the wide wheels and transverse engine enhanced its balance and grip on the racetrack.²

By the end of the 20th century, over 5 million Classic MINI vehicles had been sold around the world. Such was its popularity, a panel of 130 international automotive journalists voted the MINI as the ‘European Car of the Century’ in 1999. It only just missed out on the ‘Car of the Century’ title, which was given to the Ford Model T.²

What might impact my MINI insurance costs?

A number of different factors are considered when car insurance premiums are calculated. To get the most detailed info about keeping your MINI covered, start a quote with us today.

Model of your MINI

The model and year of manufacture of your MINI can affect your car insurance costs. It might also make a difference if you’ve made any modifications to your MINI. This is because car insurance premiums are based on, among other things, how expensive it would be to repair or replace your vehicle.

Your age and driving history

How old you are, and the number of years you’ve held a drivers licence, might both impact your MINI insurance premium. When you start a quote with Youi, both these factors will be considered.

Your home address

The place where your MINI will be kept might factor into the cost of your car insurance. This is because certain suburbs have higher crime rates, while other locations are more susceptible to extreme weather. For these reasons, it can also make a difference whether your MINI is kept outside on the street, or inside a locked garage.

Coverage level

With Youi, you can choose from a range of insurance options including Comprehensive, Third Party Fire & Theft, Third Party Property Only and cover. Each of these levels is priced differently.

Model of your MINI

The model and year of manufacture of your MINI can affect your car insurance costs. It might also make a difference if you’ve made any modifications to your MINI. This is because car insurance premiums are based on, among other things, how expensive it would be to repair or replace your vehicle.

Your age and driving history

How old you are, and the number of years you’ve held a drivers licence, might both impact your MINI insurance premium. When you start a quote with Youi, both these factors will be considered.

Your home address

The place where your MINI will be kept might factor into the cost of your car insurance. This is because certain suburbs have higher crime rates, while other locations are more susceptible to extreme weather. For these reasons, it can also make a difference whether your MINI is kept outside on the street, or inside a locked garage.

Coverage level

With Youi, you can choose from a range of insurance options including Comprehensive, Third Party Fire & Theft, Third Party Property Only and cover. Each of these levels is priced differently.

FAQs

Keep reading for answers to commonly-asked questions about MINI car insurance.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

For Youi customers, the average annual insurance premium for MINI vehicles is $1,310.

Compare this with the average annual premium for Volkswagen vehicles, which is about $1,182.

If you’d like more info about keeping your MINI covered with Youi, start a quote with us today.

How we calculate these numbers

If you insure with Youi, the MINI Cooper has an average annual insurance premium of $1,313.

How we calculate these numbers

For Youi customers, the MINI Cooper Clubman has an average annual insurance premium of $1,258, which is around 4% lower compared with all other models of MINI we cover.

How we calculate these numbers

Different MINI models, and the year they were manufactured, can affect your car insurance premium.

To get more detailed information about keeping your MINI covered, start a quote with us today.

How we calculate these numbers

The colour of your car can affect the cost of your MINI insurance. Certain types of paint – metallic, for instance – can cost more than others. Since car insurance premiums are calculated based on, among other things, the cost of fixing or replacing your car, the paint type can make a difference to the cost of your insurance.

To get more info about keeping your MINI covered with Youi, start a quote.

Because insurance premiums are calculated based on, among other things, how much it would cost to repair or replace your vehicle, the model year of your MINI Cooper is significant.

When you start a quote with us, we can give you more detailed info about MINI Cooper insurance.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Guides

Below you’ll find articles which provide additional information about car insurance together with answers to some frequently-asked insurance questions.

Image of a blue car that has been in a accident.

Articles and Guides.

You're Changing Car Insurers. Will the Previous One Share Your Past Claims?

So, you’re thinking about changing car insurance providers or you’re in the process of making the switch and you want to know whether your old insurer will share your previous claims with the new insurer.

September 19, 2023

Finder Award 2023 Best Car Insurance for Features

News and Media.

Youi Wins Finder’s 2023 Best Car Insurance for Features Award

Youi’s Comprehensive car insurance policy has been named Best Car Insurance for Features at this year’s Finder Awards.

July 19, 2023

Excellent

Youi car insurance customers rate their experience with us a 4.6 out of 5. Take a look at some of their great reviews on Trustpilot.

4.6 / 5 from over 16,077 reviews.

20 Nov 2023

Pleasureable experience

The whole process was very easy and enjoyable. The lady I spoke with was more than helpful and made the whole process easy and comfortable. The insurance products purchased were far cheaper than what I had been paying. I am happy to recommend Youi to family and friends.

20 Nov 2023

Customer service & Knowledgeable

Experienced and friendly staff who have been consistent in the service

30 Oct 2023

Straight forward easy to talk too and…

Straight forward easy to talk too and we had everything sorted very quick

27 Oct 2023

Great rate and coverage and very easy…

Great rate and coverage and very easy to deal with. The best insurance company out there today.

17 Oct 2023

The young lady I spoke to was very…

The young lady I spoke to was very helpful and friendly. I was only changing my policy because I've just purchased another car so I transferred my new car onto this policy.

17 Oct 2023