Car insurance
MINI Cooper car insurance: prices compared
MINI Cooper 5-Door 1.5, 3 years old, 50% no-claim discount
As of 28 Oct 2026 (Singapore time)
17 insurers price this, from S$776.46 to S$2,222.65 (as at 20 Oct 2026).
The MINI Cooper in short
For the driver above, HL Assurance is cheapest for the MINI Cooper today, at S$776.46 for its Car Protect360 Comprehensive plan. 17 insurers price it; the dearest of them, Liberty, asks at least S$2,222.65, S$1,446.19 (186% more) on top, so comparing pays. Of the changes below, the one that costs most is "the same driver with no NCD (0%)": the lowest price rises to S$1,176.50, 52% more.
What we assumed
- MINI Cooper 5-Door 1.5
- Car registered 3 years ago, private use, comprehensive cover
- Main driver aged 40, married, office job, driving 10 years
- 50% no-claim discount, no claims; repairs at an authorised workshop; no options
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | Car Protect360 Comprehensive | S$1,200.00 | 20 Oct 2026 | |
| India InternationalComprehensive (any workshop or authorised workshops) | Comprehensive (any workshop or authorised workshops) | S$787.96 | S$600.00 | 20 Oct 2026 |
| AllianzAllianz Motor Protect Comprehensive | Allianz Motor Protect Comprehensive | S$793.17 | S$2,000.00 | 21 Oct 2026 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,500.00 | 20 Oct 2026 | |
| ECICSComprehensive | Comprehensive | S$750.00 | 22 Oct 2026 | |
| AIGAIG Car Insurance Collision Only | AIG Car Insurance Collision Only | S$857.96 | S$600.00 | 21 Oct 2026 |
| MS First CapitalComprehensive | Comprehensive | S$900.37 | S$500.00 | 20 Oct 2026 |
| SompoComprehensive Cover – Authorised Workshop Plan | Comprehensive Cover – Authorised Workshop Plan | S$935.96 | S$600.00 | 20 Oct 2026 |
| FWDDrivo Classic | Drivo Classic | S$988.92 | S$600.00 | 20 Oct 2026 |
| IncomeDrivo Classic | Drivo Classic | S$988.92 | S$600.00 | 20 Oct 2026 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,000.76 | S$600.00 | 20 Oct 2026 |
| UOIUniCar Comprehensive Value | UniCar Comprehensive Value | S$1,036.42 | S$500.00 | 18 Oct 2026 |
| AIGAIG Car Insurance Complete | AIG Car Insurance Complete | S$1,047.22 | S$600.00 | 21 Oct 2026 |
| SinglifeMotor Lite | Motor Lite | S$1,070.07 | S$3,000.00 | 20 Oct 2026 |
| ERGOSMART Comprehensive | SMART Comprehensive | S$1,126.49 | S$500.00 | 23 Oct 2026 |
| DirectAsiaCar Insurance – Comprehensive, Value plan | Car Insurance – Comprehensive, Value plan | S$1,176.50estimate | S$800.00 | 21 Oct 2026 |
| ECICSComprehensive Family NCD Builder | Comprehensive Family NCD Builder | S$750.00 | 22 Oct 2026 | |
| DirectAsiaCar Insurance – Comprehensive, Value Plus plan | Car Insurance – Comprehensive, Value Plus plan | S$1,219.18estimate | S$800.00 | 21 Oct 2026 |
| SinglifeMotor Standard | Motor Standard | S$1,229.97 | S$2,500.00 | 20 Oct 2026 |
| FWDDrivo Premium | Drivo Premium | S$1,236.16 | S$600.00 | 20 Oct 2026 |
| IncomeDrivo Premium | Drivo Premium | S$1,236.16 | S$600.00 | 20 Oct 2026 |
| ERGOENHANCED Comprehensive | ENHANCED Comprehensive | S$1,481.61 | S$500.00 | 23 Oct 2026 |
| QBEPrivate Motor Prestige Comprehensive | Private Motor Prestige Comprehensive | S$1,615.12 | S$3,000.00 | 22 Oct 2026 |
| SinglifeMotor Prestige | Motor Prestige | S$1,685.04 | S$2,500.00 | 20 Oct 2026 |
| DirectAsiaCar Insurance – Comprehensive, Flexible plan | Car Insurance – Comprehensive, Flexible plan | S$1,697.47estimate | S$800.00 | 21 Oct 2026 |
| LibertyComprehensive Preferred Plan | Comprehensive Preferred Plan | S$2,222.65estimate | S$600.00 | 22 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quoteHow the MINI Cooper price changes
The lowest price today when one thing about the driver or the car changes. Every other answer stays as above.
| Driver and car | Lowest price | Against this page | Insurers | Cheapest |
|---|---|---|---|---|
| This page: driver aged 40, 10 years’ driving, 50% NCD, car 3 years old | S$776.46 (as at 20 Oct 2026) | 17 | HL Assurance | |
| The same driver with no NCD (0%) | S$1,176.50 (as at 21 Oct 2026) | S$400.04 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,176.50 (as at 21 Oct 2026) | S$400.04 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,176.50 (as at 21 Oct 2026) | S$400.04 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$787.96 (as at 20 Oct 2026) | S$11.50 more | 16 | India International |
| A new car (registered this year) | S$793.17 (as at 21 Oct 2026) | S$16.71 more | 15 | Allianz |
| A car 8 years old | S$721.59 (as at 20 Oct 2026) | S$54.87 less | 17 | India International |
Open a line to get a quote with those answers filled in. Quotes by driver: the MINI Cooper priced for 31 typical drivers, from new drivers to over-70s.
The MINI Cooper on our quote form
We priced the MINI Cooper 5-Door 1.5 (1,499cc), the version most of our insurers quote. The form lists 18 versions of the MINI Cooper; insurers can price them differently, so pick yours when you quote.
- MINI Cooper 1.3 1,275cc
- MINI Cooper 1.6 1,598cc
- MINI Cooper 5-Door 1.5 1,499cc
- MINI Cooper Clubman 1.6 1,598cc
- MINI Cooper Clubman AT LED 1,499cc
- MINI Cooper Clubman R55 1,598cc
- MINI Cooper D 1,560cc
- MINI Cooper D Clubman 1,598cc
- MINI Cooper E 40.7 kWh electric
- MINI Cooper Hatchback 3Dr 1,499cc
- MINI Cooper Paceman 1.6 1,598cc
- MINI Cooper S 1,598cc
- MINI Cooper S 2.0 1,998cc
- MINI Cooper S Clubman 1,598cc
- MINI Cooper S with John Cooper Works GP Kit 1,598cc
- MINI Cooper SD 1,995cc
- MINI Cooper SD Clubman 1,995cc
- MINI Cooper SE 54.2 kWh electric
Insurers with no online price for the MINI Cooper
- Budget Direct: This insurer has no online price for this car model yet.
Some insurers give car prices only through their agents; they are on our insurer list.
The MINI Cooper against similar cars
The same driver and car age, each car at the version most insurers quote.
| Car | Engine | Lowest price | Against the MINI Cooper | Insurers |
|---|---|---|---|---|
| Toyota Corolla Altis | 1,598cc | No online price | 0 | |
| Mazda 3 | 1,496cc | No online price | 0 | |
| Toyota Sienta | 1,496cc | No online price | 0 | |
| BMW X1 | 1,499cc | No online price | 0 | |
| Mercedes-Benz GLB | 1,332cc | No online price | 0 | |
| Honda Freed | 1,496cc | No online price | 0 |
COE for the MINI Cooper
With a 1,499cc engine, the MINI Cooper 5-Door 1.5 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
The COE is bought separately from insurance. The latest COE results are updated after every bidding round.
You finish buying on the insurer's own site. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is car insurance for MINI Cooper 5-Door 1.5, 3 years old, 50% no-claim discount?
Today, 17 insurers price this, from S$776.46 to S$2,222.65 (as at 20 Oct 2026). The cheapest is HL Assurance Car Protect360 Comprehensive at S$776.46 (as at 20 Oct 2026). All prices include 9% GST.
What do these prices assume?
MINI Cooper 5-Door 1.5. Car registered 3 years ago, private use, comprehensive cover. Main driver aged 40, married, office job, driving 10 years. 50% no-claim discount, no claims; repairs at an authorised workshop; no options.
Will my own price be the same?
Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.
How much does a 50% no-claim discount save on MINI Cooper insurance?
Today the lowest price for our standard driver is S$776.46 (as at 20 Oct 2026) with 50% NCD and S$1,176.50 (as at 21 Oct 2026) with no NCD, so the discount saves S$400.04 a year.
Do younger drivers pay more to insure a MINI Cooper?
Yes. A driver aged 27 with 3 years’ driving and 30% NCD pays from S$1,176.50 (as at 21 Oct 2026) today, S$400.04 more than our standard driver aged 40.
Which insurers have no online price for the MINI Cooper?
Budget Direct. It gives no online price for this model; a broker can still ask it for one.