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MINI Cooper S car insurance

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Why choose a MINI Cooper S?

There are plenty of reasons to go for a MINI Cooper S, not least its distinctive design. This is a small car with a big impact, known for having bags of personality.

The ‘S’ in MINI Cooper S stands for ‘sport’, and this model was developed for racing. More powerful than its close relative the MINI Cooper, the MINI Cooper S comes with a bigger and more powerful engine.

This makes it a sporty little run-around that’s convenient for city driving, while also holding its own on the motorway.

And if you’d like to go electric, you can configure your own model, which means you get to choose everything from the exterior colour to interior styling.

What insurance group is my MINI Cooper S in?

The insurance group your MINI Cooper S sits in will depend on a number of factors, not least the model type and when you bought the car.

Your MINI Cooper S’s engine size and fuel type will also determine which insurance group it belongs to. The MINI Cooper S has a bigger engine and can rack up faster speeds than the MINI Cooper, which means you’ll probably pay more to insure it.

The table shows examples of insurance groups for the MINI Cooper S.

Model Insurance group
MINI Cooper S Sport (2018-2021)  28
MINI Cooper S (2014-2018)  26
MINI Cooper S Exclusive (2021-2022)  25

To find out the insurance group for your MINI Cooper S, use our car insurance group checker. 

What affects the cost of my MINI Cooper S insurance?

Your MINI Cooper S’s insurance group is just one factor that will affect the price of your car insurance. Insurance groups are numbered between 1 and 50, with cars in group 1 being the cheapest to insure.

Other factors affecting the cost of your premium include where you live, how old you are, and how long you’ve been driving.

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What cover do I need for my MINI Cooper S?

There are three options for insuring your MINI Cooper S:

  • Third-party insurance is the legal minimum you need to be allowed to drive. This offers the lowest level of protection and covers damage to another driver’s car if you cause an accident. Remember, it won’t protect your own car.

    You might assume this is the cheapest type of insurance. But that’s not always the case. It can be more expensive as insurance providers consider those who choose it to be risky propositions.
  • Third party fire and theft gives the same cover as third party, with added cover if your car is stolen or involved in a fire. It won’t protect you or your MINI Cooper S if an accident is your fault.
  • Comprehensive car insurance gives you the most comprehensive level of cover. It means you and your car are protected if you have an accident, regardless of who’s at fault.

What extras can I add to my MINI Cooper S car insurance policy?

If you’d like a genuinely comprehensive MINI Cooper S car insurance policy, there are a range of extras you can add. These include:

Breakdown cover

Breakdown cover means you’ll get guaranteed roadside assistance if your car breaks down. It could be useful if you ever find yourself with a flat battery, electrical fault, or damaged tyre.

Personal belongings cover

Personal belongings cover for your possessions if they’re damaged in an accident or stolen from your car.

Personal accident insurance

Personal accident can pay out if you or your partner are seriously injured or killed in a car accident.

Motor legal protection

Motor legal protection could help cover legal expenses if you make a claim against another driver or have a claim brought against you

Windscreen cover

Windscreen cover insures your windscreen, so you’ll be covered if you need to repair or replace it.

Lost keys cover

Lost keys cover can pay for reprogramming or replacing your car keys if they’re lost or stolen.

Courtesy car cover 

Courtesy car insurance gives you a replacement car if your MINI Cooper S breaks down or needs repairs. This could provide you with valuable peace of mind if you need a car to get around

European breakdown cover

European breakdown could be a lifesaver if you plan to take your MINI Cooper S on holiday with you.

No claims discount protection

No claims discount protection so you can keep your NCD if you make a claim.


Misfuelling to cover the cost of draining the tank and repairing damage if you accidentally fill up your diesel MINI Cooper S with petrol or vice versa.

Why compare MINI Cooper S car insurance with Compare the Market?

If you’re looking to get the right price for your MINI Cooper S car insurance, it’s worth shopping around. With Compare the Market, it’s easy to compare prices and get the right deal for you.

51% of Compare the Market customers could save up to £531[1] on their car insurance.

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Based on Online independent research by Consumer Intelligence during June 2024, 51% of customers could achieve this saving on their car insurance through Compare the Market.

Frequently asked questions

What’s the difference between the MINI Cooper and MINI Cooper S?

There are a few key differences between the MINI Cooper and the MINI Cooper S. The main one is that the Cooper S comes with a two-litre engine (compared to the MINI Cooper’s 1.5 litre).

The Cooper S gives you more power and torque, with a maximum speed of 146mph. It can go from 0-62mph in just 6.6 seconds.

You’ll notice some differences in the exterior design, too. Unlike the standard MINI Cooper, the MINI Cooper S comes with an ‘S’ on the badge, along with twin exhaust pipes.

How can I get cheaper car insurance for my MINI Cooper S?

There are a few ways you can access cheaper car insurance for your MINI Cooper S. One is to reduce your annual mileage.

It also helps to pay annually (instead of monthly) for your policy, as this means you’ll avoid paying interest. 

And, of course, don’t forget to shop around. 

How safe is the MINI Cooper S?

The MINI Cooper has a four-star safety rating from Euro NCAP.

Page last reviewed on 11 JULY 2024
by Julie Daniels