This guide covers the MINI Level, priced on our page as the MINI Level 1, electric. If you own one or are thinking about one in Singapore, it lays out the yearly costs we can show.
The insurance numbers are examples for one stated driver, read on 1 November 2026. Your own quote will follow your own details.
Limits of what we can show
The new-car list has no entry for this model on sale now. So this guide gives no list price, no power figure and no body type.
What we do have is the price page. It prices the MINI Level 1 (electric), the version most of our insurers quote. Every insurance figure here is for that car.
The COE rule for an electric MINI Level
For an electric car, motor power decides the COE category. The price page says a fully electric MINI Level needs a Category A COE if its motor is 110kW (147bhp) or less. If the motor is stronger, it needs Category B.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. The COE page posts each new result.
Road tax: no figure without motor power
Electric car road tax is worked out from motor power. Our list has no motor power for the MINI Level, so we give no road tax figure. Once you know the motor's output, the road tax page does the sum.
The age surcharge applies to every car, electric or not:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Car insurance for a 40-year-old driver
The MINI Level price page prices:
- Car: MINI Level 1, electric, 3 years old, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
4 insurers price it online. The lowest premium is S$1,071.03 a year. The dearest asks at least S$2,151.55. That is S$1,080.52 more, or 101% on top, roughly double. GST at 9% is included.
In between sits one plan at S$1,468.03. The two dearest plans share the S$2,151.55 figure, and both are marked as estimates.
The trade-off in the excess
Here the excess runs the opposite way to the premium:
- The lowest premium carries a S$2,500 excess.
- The next carries S$1,200.
- The two dearest carry S$600.
So the lower premiums here come with a larger share of any claim. If you claim once, the excess gap could eat into the premium saving. Look at both before you compare.
Fifteen insurers on our panel have no online price for the Level. Most have no rate for it yet. One does not list the model, and two do not quote electric cars online.
How a different driver or car changes things
With one detail changed, the price page shows these lowest prices:
- No NCD (0%): S$2,013.24, S$942.21 more
- 20% NCD: S$1,621.32, S$550.29 more
- Aged 27, 3 years' driving, 30% NCD: S$2,177.28, S$1,106.25 more
- Aged 65, 20 years' driving: S$1,243.56, S$172.53 more, from 3 insurers
- New car, registered this year: S$1,052.92, S$18.11 less
- Car 8 years old: S$991.68, S$79.35 less
The young driver case costs most, 103% above the standard figure. No NCD comes next.
Unusually, both car age rows come out lower than the standard case. A new car and an 8-year-old car each show a smaller lowest price than the 3-year-old one. The 8-year-old car is S$79.35 lower. So on these figures, an older MINI Level does not cost more to insure.
The same insurer has the lowest figure in every row. On the standard case, that insurer's plan carries the S$2,500 excess. So check the excess in each case, not only the premium.
How it stacks up against other electric cars
For the same driver and car age, the price page lists six similar cars:
- BYD M6: S$861.41
- Tesla Model 3: S$913.62
- BYD Atto 3: S$913.63
- Tesla Model Y: S$939.71
- BYD Sealion 7: S$1,390.72
- BMW iX1: S$1,907.27
Their average lowest price is S$1,154.39. The MINI Level is 7% below that. Still, 4 of the 6 are cheaper to insure, and only the two dearest cost more.
Most of these rivals draw prices from 7 to 10 insurers, against 4 here. Other MINI models are on the MINI car insurance page.
What we cannot price for you
- Charging: home, office and public charging differ in cost. Your distance sets the total.
- Parking: season parking at home and charges at work or in town.
- ERP: depends on your daily routes.
- Servicing and wear: follow the maker's schedule. Check the battery warranty's length and terms.
- Depreciation: your purchase price against the later sale.
Summary of yearly costs we can show
For the MINI Level 1 (electric), with dates:
- Road tax: no figure without the motor's power; see the road tax page (age surcharge from +10% after 10 years)
- Insurance, standard driver: from S$1,071.03 a year (1 November 2026)
- Insurance, no NCD: from S$2,013.24
- Insurance, driver aged 27 with 30% NCD: from S$2,177.28
- Insurance, a car 8 years old: from S$991.68
For reference, the October 2026 2nd round COE was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the MINI Level
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the MINI Level to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.