Purchasing insurance Your first objective after purchasing this expensive car is to get a Mini Cooper. The good news is that Mini Cooper car insurance premiums are reasonable. Because to its strong engineering and high fuel efficiency, it has relatively minimal maintenance expenses. Insuring a Mini Cooper typically runs around $1,250 a year. In particular when compared to other imported sub-compact automobiles, this makes it fairly reasonable. Compared to high-performance muscle vehicles, the automobile attracts a population of relatively low-risk drivers, which helps keep rates low.