Mini Countryman Insurance Cost

As per our research, the average cost of Mini Countryman Insurance is about $140 per month, or $1,680 per year. Do you own a Countryman SE? Insuring your electric Countryman is around $10 less expensive than insuring the regular model, at $130 per month or $1,560 per year. Your exact cost may vary based on your driving history, the amount of miles you drive each year, your age, your credit rating, as well as other variables.

How to compare Mini Countryman insurance rates?

Mini Countryman Insurance Cost
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Check out the 2021 Mini Countryman

Consider the following criteria while evaluating Mini insurance options:

  • Price. When it comes to insurance, one of the most important determining criteria is typically the cost. Because of its excellent safety, compact body, and low theft rates, the Countryman is just slightly more costly than the typical vehicle.
  • Minimum coverage. Verify that the insurance coverage you’re considering satisfies your state’s minimum auto insurance requirements. It’s a good idea to raise your insurance maximums for a mid-range model like Mini to cover the full cost of your Countryman.
  • Coverage add-ons. Because the Mini Countryman is a small vehicle, it is more vulnerable to damage if it is involved in a collision with a bigger SUV or truck. Consider purchasing additional coverage, such as underinsured motorist and collision coverage. Another option to consider is comprehensive coverage, which covers damage caused by theft, floods, and hail, among other things. 
  • Manufacturer’s promotions or other discounts. If your Mini Countryman is still under warranty, Mini will provide you with free 24-hour roadside assistance. You won’t need rental car coverage either, since most Mini shops provide a free loaner while your vehicle is in repair.

What factors affect Mini Countryman insurance?

Even though it may seem that insuring a smaller vehicle like the Mini Countryman would be inexpensive, insurance companies take into account the fact that smaller automobiles tend to bear the brunt of the damage when involved in an accident. As a result, you may not receive the ultra-low rates you were hoping for.

Cars that cost more to purchase often cost more to insure. Mini vehicles may cost more to insure as a mid-tier brand than a Toyota or Honda, and the Countryman isn’t on the low end of Mini models. The Mini Countryman, on the other hand, has a plethora of basic safety features that may help you save money on insurance.

The hybrid Countryman may be somewhat more expensive to buy than its non-hybrid cousin, but it is slightly less expensive to insure. Because many insurance companies provide a discount for hybrid vehicles, you may wind up with a lower premium if you go green.

Driver factors

Aside from the type and model of your vehicle, the following variables influence your auto insurance rates:

  • Your age, gender, and marital status
  • Your credit score
  • Your driving record
  • Whether you own your home
  • Where you live
  • Other people’s driving records who are included on your insurance

Does the Mini Countryman qualify for discounts?

Apart from qualifying for a new vehicle discount, the Mini Countryman has a variety of safety features that may help you save money on car insurance, such as:

  • Airbags
  • The 4-wheel anti-lock braking system
  • 4-wheel disc brakes
  • Brake assist
  • Electronic stability control
  • Daytime running lights
  • Traction control
  • Rear-park distance control
  • Rearview camera

Reliability and safety ratings for the Mini Countryman

Typically, the Mini Countryman has an excellent safety rating from the Insurance Institute for Highway Safety, but its headlights get a mediocre grade due to restricted brightness choices.

The Countryman, like previous Minis, earned a 3 out of 5-star dependability rating from JD Power, but official safety ratings from JD Power are not yet available.

Smaller automobiles, such as the Countryman, tend to do well in crash testing, despite sustaining more external damage than bigger vehicles.

Likewise, the hybrid Countryman is risk-free. Some 2017 SE Countryman owners have reported dependability concerns, especially with alignment and other unanticipated issues.

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Mini Countryman series maintenance

And although your Mini Countryman is tiny in comparison to many other cars on the road, expect to spend above-average maintenance costs. In many instances, having an independent shop repair your Mini rather than going to the dealership will earn you a better price.

  • A Mini Countryman oil change may cost you about $100.
  • The usual cost of replacing brake pads on a Mini Countryman is approximately $190 per axle.
  • This car gets 24 mpg in the city and 33 mpg on the highway on average. These figures aren’t very remarkable for a vehicle of this size, but they are better than those of most SUVs and pickup trucks. 

What about maintenance for the Countryman SE?

The Countryman SE is much simpler to keep up with. Because your Mini Cooper SE Countryman does not always operate on gasoline, you should not have to replace the oil as often as you would in a gas-only vehicle. You also don’t have to replace your brake pads as often since they encounter less heat and friction and therefore last longer.

The one disadvantage to hybrid vehicle maintenance is that you’ll almost certainly have to take it to a dealership or trained technician to have any work done on it, since its electric components make it quite different from working on a normal gasoline engine.

About the Mini Countryman

The Mini Countryman is a hatchback subcompact crossover SUV with the form of a sedan and the practicality of an SUV. Launched in 2010, the Countryman was Small’s first vehicle of this kind, and it garnered conflicting reviews regarding whether it was “mini” enough to suit the Mini name.

Mini vehicles used to use motors co-developed by Chrysler and PSA Peugeot Citroen. However, because Mini has been owned by BMW since 2000, its motors are now manufactured by BMW, which may explain its comparatively high maintenance expenses.

If you’re deciding between the Mini Cooper Countryman and its hybrid SE cousin, the hybrid choice offers slightly cheaper insurance rates and requires less regular maintenance.

Bottom line

Due to its small size, the Mini Countryman may be somewhat more expensive to insure and maintain than the typical vehicle. However, because of its high safety ratings and many safety features, you may be able to save a few dollars on your monthly premium by obtaining discounts from your provider.

Compare vehicle insurance quotes from several providers to discover the best combination of value and coverage choices for your Mini Countryman.

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