Compare Mini Cooper Insurance Rate Quotes in Austin

Insurance quote for Mini Cooper in AustinFinding better insurance prices for a Mini Cooper in Texas can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for your Mini and obtain the cheapest rates from both online companies and Austin agents.

You should take the time to do price comparisons before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rate on Mini Cooper insurance in Austin at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out the quickest way to eliminate unnecessary coverages and save money on Mini Cooper insurance in Austin.

Companies offering Mini Cooper insurance in Austin

The companies in the list below are ready to provide comparison quotes in Texas. If several companies are displayed, it’s a good idea that you click on several of them in order to get a fair rate comparison.


Mini Cooper Insurance Rate Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $174 $352 $422 $24 $126 $1,098 $92
Cooper 2-Dr Convertible $282 $580 $264 $16 $80 $1,222 $102
Cooper S 2-Dr Hatchback $156 $378 $366 $22 $110 $1,032 $86
Cooper S 2-Dr Convertible $210 $400 $242 $14 $72 $938 $78
Cooper John Cooper Works 2-Dr Hatchback $232 $462 $340 $20 $102 $1,156 $96
Cooper John Cooper Works 2-Dr Convertible $354 $828 $284 $16 $86 $1,568 $131
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in Austin location which can alter coverage prices significantly.

Illustration showing the impact of accidents and violations

The illustration below shows how traffic citations and at-fault claims impact Mini Cooper yearly insurance costs for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Policy deductibles

When comparing auto insurance rates, the most common question is which deductible level should you buy. The following tables highlight the rate fluctuation of buying low and high comp and collision deductibles. The first data set uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.


Mini Cooper insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $294 $496 $324 $20 $96 $1,255 $105
Cooper 2-Dr Convertible $294 $496 $252 $14 $76 $1,157 $96
Cooper S 2-Dr Hatchback $294 $584 $324 $20 $96 $1,343 $112
Cooper S 2-Dr Convertible $332 $584 $252 $14 $76 $1,283 $107
Cooper John Cooper Works 2-Dr Hatchback $332 $584 $324 $20 $96 $1,381 $115
Cooper John Cooper Works 2-Dr Convertible $370 $672 $252 $14 $76 $1,409 $117
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Mini Cooper insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $182 $312 $324 $20 $96 $934 $78
Cooper 2-Dr Convertible $182 $312 $252 $14 $76 $836 $70
Cooper S 2-Dr Hatchback $182 $368 $324 $20 $96 $990 $83
Cooper S 2-Dr Convertible $206 $368 $252 $14 $76 $916 $76
Cooper John Cooper Works 2-Dr Hatchback $206 $368 $324 $20 $96 $1,014 $85
Cooper John Cooper Works 2-Dr Convertible $228 $424 $252 $14 $76 $994 $83
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can change coverage rates substantially.

Based on these figures, using a $250 deductible costs about $30 more each month or $360 a year than opting for the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 25 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): – $79
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important thing to remember is that a higher deductible level means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have enough money put aside in the event you need to pay more for the deductible.

These discounts can slash Mini Cooper insurance rates

Companies offering auto insurance do not list every discount very clearly, so here is a list a few of the more common as well as some of the hidden ways to save on insurance.

Consumers should know that some of the credits will not apply to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.

To find companies who offer cheap Mini Cooper insurance quotes in Austin in Austin, click this link.

When in doubt talk to an agent

When selecting the right insurance coverage, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect that For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Local Austin auto insurance agents

Some consumers just prefer to buy from a local agent and that is not a bad decision Licensed agents are trained risk managers and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can find the lowest rates and still choose a local agent.

After completing this form (opens in new window), your information is transmitted to agents in your area that can give you free Austin auto insurance quotes for your business. You never need to search for an agent because quoted prices will be sent to you instantly. If you need to compare rates from a specific insurance company, you would need to visit that company’s website and fill out their quote form.

Finding the right provider should depend on more than just the price. These are valid questions to ask:

When searching for a local Austin insurance agent, there are a couple of different types of agencies that you can choose from. Agencies in Austin can be categorized as either exclusive or independent. Either can handle car insurance, but we need to point out why they differ because it may have an impact on which agent you choose.

Exclusive Insurance Agents

Exclusive agents work for only one company and some examples include American Family, State Farm, and AAA. They are unable to compare rates from other companies so they have no alternatives for high prices. They are well trained in insurance sales which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent primarily because of the brand rather than having the cheapest rates.

Listed below is a short list of exclusive agencies in Austin that can give you price quote information.

More Austin agents

Independent Car Insurance Agencies

Independent agents do not have single company limitations and that is an advantage because they can write policies with an assortment of companies depending on which coverage is best. To move your coverage to a new company, your policy is moved internally and you don’t have to do anything.

When searching for an agent, we recommend you get quotes from at least one independent agent to maximize your price options. Many can place coverage with less well-known companies which may have better rates.

Below are Austin independent agents that can give you price quote information.

More Austin agents

Does car insurance advertising bend the truth?

Consumers can’t get away from all the ads that claim the best prices from companies such as State Farm, GEICO and Progressive. All the ads try to convey promises about savings just by switching your policy.

How is it possible that every company can charge you a lower premium?

Different companies give the cheapest rates for the right customer they prefer to insure. A good example of a profitable insured should be over the age of 50, has no driving citations, and drives a car with an anti-theft system. Someone that meets those criteria receives the best rates in Austin and will also save a lot of money.

Insureds who do not fit the requirements will probably have to pay a higher rate which leads to business not being written. The trick is to say “drivers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully state the savings. Because of this risk profiling, you need to quote coverage with many companies. It is just not possible to predict which company will give you the biggest savings.

Compare auto insurance prices regularly to save

You just learned quite a bit of information on how to lower your Mini Cooper insurance premium rates in Austin. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Some insurance companies may not have the ability to get quotes online and many times these smaller providers work with local independent agencies. Affordable Mini Cooper insurance in Austin can be purchased from both online companies and also from your neighborhood Austin agents, so compare prices from both so you have a total pricing picture.

Additional auto insurance information is located below: