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According to our research, the average cost to insure a Mini Countryman is about $140 a month, or $1,680 a year. Have the Countryman SE? Insuring your electric Countryman is around $10 cheaper than going with the standard model, at $130 a month or $1,560 a year. Your actual cost could be more or less, depending on your driving record, the number of miles you drive in a year, your age, your credit score and other factors.
| Model | Monthly insurance rate | Base car price |
|---|---|---|
| Mini Cooper | $227 | $20,950 |
| Mini Cooper 4-door | $140 | $23,450 |
| Mini Clubman | $132 | $26,000 |
| Mini Convertible | $108 | $22,500 |
| Mini Countryman | $140 | $26,600 |
| Mini Countryman SE | $130 | $33,441 |
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Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:
When comparing your insurance options for your Mini, consider these factors:
Although it might seem like insuring a smaller car like the Mini Countryman would be cheap, insurance companies factor in that smaller cars tend to take the brunt of damages when in a collision. For this reason, you might not see the ultra-low rates you may have thought you’d get.
Typically, cars that cost more to buy cost more to insure. As a mid-range brand, Mini cars might cost more to insure than a Toyota or Honda, and the Countryman isn’t on the cheap end of Mini models. However, the Mini Countryman comes with a slew of standard safety features that help you score some discounts on your premium.
The hybrid Countryman may cost a little more to purchase than their non-hybrid counterpart, but it tends to be just a bit cheaper to insure. Since many insurance companies offer a discount for hybrid cars, you could end up getting a better rate if you go eco-friendly.
Beyond the make and model of your vehicle, other factors that affect your car insurance rates include:
Aside from unlocking a new car discount, the Mini Countryman comes with a number of safety features that could help you save on your car insurance premium, including:
Overall, the Insurance Institute for Highway Safety gives the Mini Countryman a good safety rating, although its headlights received a marginal rating because of limited brightness options.
Like other Minis, the Countryman received a 3 out of 5 star rating for reliability from JD Power, although its official safety ratings from JD Power are not yet available.
Generally speaking, smaller cars like the Countryman tend to do well in crash tests, even though they may sustain more exterior damage than a larger vehicle.
The hybrid Countryman is similarly safe. Some 2017 SE Countryman owners do report problems with reliability, particularly for alignment and other unexpected issues.
Even though your Mini Countryman is small compared to lots of other vehicles out there, expect to pay above-average prices for regular maintenance. In many cases, you’ll get a better deal if you have an independent shop work on your Mini, rather than going to the dealership.
The Countryman SE is even easier to maintain. Since your Mini Cooper SE Countryman doesn’t always run using your gasoline engine, you shouldn’t have to change the oil as frequently as you would with a gas-only car. You also don’t have to change your brake pads as often because they usually experience less heat and friction, and therefore typically last longer.
The only downside to hybrid car maintenance is that you’ll probably have to take it to a dealership or qualified mechanic to have any work done, as its electric components make it much different from working on a regular gasoline engine.
The Mini Countryman is a hatchback subcompact crossover SUV, meaning it combines the body type of a sedan with the utility of an SUV. Launched in 2010, the Countryman was the first car of this type to be launched by Mini and was received with mixed reviews about whether it was “mini” enough to fit the Mini brand.
Mini cars used to have motors that were co-developed by Chrysler and PSA Peugeot Citroën. But now that Mini has been owned by BMW since 2000, its motors are built by BMW, which could account for its relatively high maintenance costs.
If you’re torn between purchasing the Mini Cooper Countryman and its hybrid SE cousin, slightly lower insurance rates and less frequent maintenance are in favor of the hybrid option.
Despite its mini size, the Mini Countryman can be slightly higher than average to insure and maintain. But thanks to its good safety ratings and numerous safety features, you might be able to save a few bucks on your monthly premium by unlocking discounts with your provider.
Your best bet is to compare car insurance rates from different companies to help you find the best mix of value and coverage options for your Mini Countryman.
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