Compare car insurance for your Mini from 130+ UK insurers. See which models sit in the lowest insurance groups.
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See insurance groups for popular Mini models
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Mini models typically sit in Groups 10 to 36. The Countryman starts at Group 10, and the Hatch starts at Group 11, both moderate for a premium-positioned brand.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Countryman (2017) | 10-26 | 1.5-2.0L |
| Hatch (2014) | 11-29 | 1.2-2.0L |
| Hatch 5-door (2014) | 11-30 | 1.2-2.0L |
| Convertible (2016) | 16-33 | 1.5-2.0L |
| Clubman (2016) | 17-28 | 1.5-2.0L |
| John Cooper Works (2015) | 22-36 | 2.0L Turbo |
| Electric (2020) | 23 | Electric |
See how Mini models compare for reliability in our Mini reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the Mini Countryman starts at Group 10, while the John Cooper Works reaches Group 36.
Insurance groups set by Thatcham Research and the ABI.
Mini models typically start at Group 10 (Countryman) and reach Group 36 (John Cooper Works), so insurance costs can vary depending on which Mini you drive. The Countryman can actually start lower than the Hatch, which is unusual for the range. The Mini Electric sits at Group 23, which is competitive for an EV.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. Two drivers insuring the same Mini could receive very different quotes.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced compared to third party only.
The most reliable way to find your price is to compare quotes from multiple insurers.
Based on typical Thatcham insurance group ratings, these four Mini models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. Countryman (Groups 10-26)
Typically the cheapest Mini to insure at base trim. A compact crossover with 1.5 or 2.0-litre engines that starts at Group 10, lower than the Hatch.
2. Hatch (Groups 11-29)
The three-door Mini Hatch starts at Group 11 for the base 1.2 One trim. The most iconic Mini and a moderate group for a premium-positioned brand.
3. Hatch 5-door (Groups 11-30)
The five-door version shares its starting group with the three-door. A more practical option for families or regular rear-seat passengers.
4. Clubman (Groups 17-28)
The estate-style Clubman starts at Group 17. A more practical choice with a distinctive twin rear-door design.
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Get QuotesMini has several models that may work as first cars for new drivers. The Hatch (Groups 11-29) and Countryman (Groups 10-26) both start in moderate groups for a premium brand. Both are widely available on the used market.
A telematics policy could help new drivers demonstrate safe driving habits, which may lead to lower premiums over time. Black box devices or app-based policies typically monitor braking, cornering, and time of day, and reward safe driving with a lower renewal price.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
University students may also find our student car insurance guide helpful, particularly for advice on registering the car at the address where it is kept most often.
Seven practical steps that could help reduce your Mini insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Start with the Countryman or Hatch
The Countryman starts at Group 10 and the Hatch at Group 11, making them the most affordable options in the Mini range. Both are widely available used.
Avoid John Cooper Works trims
The John Cooper Works (Groups 22-36) sits well above the standard Hatch. If group is a priority, a non-JCW trim keeps the premium down considerably.
Weigh up the Mini Electric
The Mini Electric sits at Group 23, which is competitive for an electric vehicle. Worth quoting if you are open to an EV, since it is one of the more affordable EVs to insure.
Consider a telematics policy
A black box or app-based policy could reward safe driving with lower premiums, particularly for younger drivers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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