Mini Convertible Car Insurance Rates

Car insurance quotes are determined by the driver and provider profiles, vehicle year, and amount of coverage you choose. Mini Convertible car insurance usually costs about 108 dollars per month or 1297 dollars per year. All Minis are less expensive than the national average monthly payment of $200 – or $2,400 annually.

How to compare insurance for the Mini Convertible

Mini Convertible Car Insurance Rates - Mini Logo

Automobile insurance has several benefits, one of which is the freedom to choose. You have the option of switching providers and making changes to your insurance policies, coverage, and supplemental benefits. The following factors should be kept in mind while comparing mini-convertible insurance:

  • Price. Car insurance is often a legal requirement in most countries, therefore it has to be cheap. Decide how far you want your coverage to extend and then shop around to get the best deal.
  • Deductible. The more money you have to spend, the more expensive anything is, and the opposite is also true. Assign a price range to your trip and a profile number to your designated driver. Assume you have a broken taillight and you need to submit a claim for it.
  • The bare minimum in terms of coverage. Car insurance is required by law in the majority of countries. You’ll need liability insurance, at the very least, before you get behind the wheel. Verify the regulations in your state to be certain.
  • Extra information. You may increase the degree of protection by adding PIP, uninsured/underinsured motorist coverage, and medical coverage to your policy. In light of the Mini convertible’s low production numbers, most policyholders choose for full coverage only for brand new automobiles.
  • Extras. If you desire features like roadside assistance, deductibles, and accident forgiveness, you may purchase them from your insurance provider.
  • Restrictions. Some insurance firms refuse or are unable to offer young individuals with coverage, while others forbid them from traveling or driving in other countries. Investigate right away in order to avoid coverage gaps or claims that are later denied. Due to the Mini Cabinet’s lack of sportiness or opulence, there aren’t too many restrictions, but the fine print has to be carefully studied.
  • Unique discounts are offered by manufacturers. Served your country in the military for some time? When renting or purchasing a small convertible in the United States, USAA members and their families may be eligible for discounts. Diplomats, diplomats, and members of foreign organizations may get a great deal on a new Mini via the US Mini Diplomatic Sales Program. You may save $500 on a new or pre-owned Mini once you graduate college. Additionally, if you drive safely, pay your premiums on time, and have a good insurance company relationship, you may get loyalty discounts.
  • Warranty. Any new Mini Convertible has a standard warranty of four years or 50,000 miles. Towing and roadside support are all included, as are bumpers and the engine’s drivetrain. Additionally, you’ll get free engine oil, brake fluid, and air filter maintenance for up to three years or 36,000 miles, whichever comes first. To avoid paying for insurance, find out what your guarantee covers.

What factors affect car insurance for the Mini Convertible?

Your insurance company, driving record, residence, vehicle type, and frequency of driving all have an impact on the price. For factors like mileage and body form, providers are paying more.

The premium for Mini Convertible insurance is influenced by the following variables:

  • Body type. The fact that these two-door coupes and convertibles are made in the UK means that insurance will be less expensive than for luxury automobiles, but more expensive than for a regular sedan.
  • Optional fuel supply. Mini’s Convertible model is a gas-powered coupe with a turbocharged engine. Insurance expenses for gasoline-powered vehicles are often cheaper than for diesel- or hybrid-powered vehicles.
  • Theft. This vehicle has never been used in a robbery. The robbery rate for little vehicles is often low.
  • Repairs. Even though it’s a well-known and fashionable brand, this isn’t a high-end vehicle. Although Toyota and Honda repair prices are comparable, BMW and Mercedes repair costs are too costly. Because the United States is Mini’s largest market, repair shops are easily accessible. Mini also provides a comprehensive warranty and maintenance package.
  • Features that keep you safe. If you’re in an accident, you and your vehicle will be protected thanks to several safety features, such as airbags, parking sensors, automatic headlights, and a rearview camera. These features may also help save money on insurance.

Does the Mini Convertible qualify for discounts?

You may cut your premium expenses in a variety of ways. The discounts offered by different providers vary, but buying a new vehicle with better safety features may save you anywhere from 5 to 30 percent.

In addition to driver discounts, the Mini Convertible may be eligible for the following incentives:

  • New car discount
  • Antitheft discount
  • Anti-lock brake discount
  • Passive restraint discount for motorized seatbelts
  • Automatic lights and wipers discount

You may be eligible for a $2,500 one-time reimbursement under the Mini Mobility Program if you need adapted equipment for your vehicle. Drivers with disabilities or impairments may find this to be an attractive offer since manufacturers do not typically give such a deal.

Special savings with Liberty Mutual

There are a number of price and coverage savings available to Mini customers due to the company’s relationship with Liberty Mutual.

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

Reliability and safety ratings for the Mini Convertible

The National Highway Traffic Safety Administration and the Highway Safety Institute did not conduct crash tests on the tiny convertible (IIHS). The 2017 model, on the other hand, was named the IIHS Top Safety Pick for its effectiveness in crash tests.

The vehicle received an 8.3-star rating from US News in the subcompact car category. This rating is based on dependability data and a variety of other criteria, such as the product’s overall safety. JD Power predicts the Mini will get a dependability score of 3.5 out of 5, which is better than the industry standard.

Rearview camera and parking sensors are standard equipment on the Convertible as of 2018. Other standard features include automated headlights, airbags, and wipers. Your insurance provider may lower your premium if you purchase additional safety features like automatic parking assistance and head-up displays.

Cars.com praises the car’s performance, handling, and gearbox, but points out that the windshield may obscure stoplights on the horizon. It also makes it difficult to use the parking brake lever because of the center armrest.

There was no recall for the Mini Convertible. When it comes to airbags, the National Highway Traffic Safety Administration has received just one complaint from customers.

The gasoline tank has a capacity of 11.6 gallons. The automatic model has an annual fuel cost of around $1,700. This figure is based on current gasoline prices and the fact that over 15,000 miles a year, 45% of driving occurs on the highway and 55% in the city. To put this in perspective, a full tank of gas will cost you around $40. A new car costs $500 less to fuel than a five-year-old car, according to Petrol Economy.

Bottom line

In spite of the fact that the Mini Convertible is more expensive, the vehicle’s excellent safety features, ease of repair, low level of theft, as well as an outstanding warranty and maintenance program, enable insurance premiums to be reasonable.

The Mini Convertible is a fantastic option for anybody looking for a fun vacation without having to worry about the high cost of insurance. To obtain the best deal on auto insurance, compare rates before choosing a provider.

You may compare it on our review of Mazda MX-5 Miata Insurance Rates.