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1998 Mini MK VII - car insurance quotes

How much does it cost to insure a  Mini MK VII 1.275 cc in 2023?


Lowest MK VII Rates $408
Average MK VII Rates $663
Highest MK VII Rates $918
Please note that these 1998 Mini quotations are based on current studies and are indicative only!
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How much does 1998 Mini MK VII car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Mini MK VII (this trim level of the 1998 MK VII) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Mini MK VII is above $48 a month ($574 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Mini you drive (http://www.miniusa.com/content/miniusa/en.html)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Mini model with 97 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Mini MK VII if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.
On average, car insurance cost for a 1998 Mini MK VII is $48 a month, which is around $574 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 26-year-old auto?

How does age of your car affect car insurance costs? 1998 Mini MK VII is older than 26 years. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of MK VII (1998) are eligible for many discounts for vehicles loaded with a long list of safety features. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern MK VII cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control. Discounts for safety features on 26-year Mini MK VII may reduce your coverage to the prices around $434 for 2023-2024. Here are other undisputed benefits of buying a used car. You can buy the cheapest liability insurance for your 1998 Mini MK VII because if you get into a collision, it’s not worth spending high amounts of money to repair your older vehicle and therefore you do not need overpriced car insurance.
Mini MK VII, has engine power of 1275 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your vehicle, be sure you buy one that isn't a high performer. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for the cheapest policy, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.
Insurance Company New Vehicles * Used Vehicles *
Allied $423 $408
GEICO $311 $286
Nationwide $454 $357
Progressive $189 $153
State Farm $255 $189
Texas Farm Bureau $423 $342
USAA $337 $286
* Rough estimate for a new vs 26 years old used Mini MK VII, this trim level of the 1998 MK VII. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 1998 Mini MK VII car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Mini, MK VII is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Mini (made in 1998) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Mini MK VII auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!
How much is car insurance for a 1998 Mini MK VII in 2023? As you can see below, the lowest rates are around $510, while the highest ones fluctuate around $1071 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.
Insurance Company Annual Rates (Estimate*)
GEICO $543
American Family  $530
Erie $530
Progressive $624
State Farm $687
Auto Owners  $611
State Auto  $724
Nationwide $704
Farmers $615
Allstate $872
Safe Auto  $923
MetLife $984
Victoria $1,044
Allied $737
Liberty Mutual $879
Encompass $1,094
* Just a rough estimate for 1998 Mini MK VII, this trim level of the 1998 MK VII

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model MK VII, make Mini) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Mini, MK VII will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?
  • Don't ignore small regional insurers.
  • Review your existing coverage and choose a higher deductible.
  • Shopping around is the key to saving money on car insurance.
  • Negotiate with an agent or directly with auto insurance company.
  • Check for 1998 MK VII car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
  • If you don't qualify for these discounts, explore other options available or switch the insurance company.
  • Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 1998 Mini MK VII auto insurance rates by state!

How much is 1998 Mini MK VII car insurance by location - rough estimate for model:  , 1275 cc, model body (SUV, Sedan, Truck, Coupe, Hatchback, Crossover, Luxury Car, Convertible, Sports Car, Wagon, Van)
How to calculate premium for Mini MK VII (1998) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 1998 MK VII () car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).
Rank State Lowest Rates Highest Rates
1 Vermont $383 $536
2 Ohio $388 $546
3 Idaho $398 $561
4 Virginia $413 $587
5 Iowa $428 $607
6 New Hampshire $449 $617
7 Wisconsin $454 $632
8 North Dakota $464 $668
9 Indiana $474 $704
10 North Carolina $485 $729
11 Pennsylvania $490 $770
12 Utah $500 $780
13 Maine $505 $796
14 Massachusetts $515 $811
15 Alaska $520 $821
16 Tennessee $525 $842
17 South Dakota $530 $887
18 Nebraska $536 $913
19 Minnesota $541 $928
20 Illinois $541 $944
21 Hawaii $546 $964
22 Alabama $551 $979
23 Oregon $556 $995
24 Missouri $561 $1,030
25 Washington $587 $1,066
26 South Carolina $592 $1,091
27 Kansas $607 $1,112
28 New Mexico $617 $1,137
29 Arizona $632 $1,148
30 New York $643 $1,153
31 National average $663 $1,168
32 New Jersey $673 $1,204
33 West Virginia $694 $1,214
34 Mississippi $709 $1,229
35 Maryland $724 $1,244
36 Montana $745 $1,270
37 Nevada $760 $1,280
38 Arkansas $770 $1,301
39 Kentucky $775 $1,321
40 Oklahoma $801 $1,336
41 Wyoming $816 $1,346
42 Colorado $836 $1,372
43 Texas $852 $1,382
44 Delaware $872 $1,403
45 Georgia $893 $1,408
46 California $913 $1,423
47 DC $928 $1,433
48 Connecticut $949 $1,448
49 Rhode Island $959 $1,454
50 Florida $974 $1,484
51 Louisiana $995 $1,505
52 Michigan $1,015 $1,530
* Compare 1998 Mini MK VII car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 1998 Mini MK VII (electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, 2650 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Mini MK VII annual insurance cost for a 16 year old is approximately $1173, while the cost of the same coverage for seniors aged 70 - 74 is $540.6. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Mini, MK VII have 1275 cc, 97 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?
Your AgeAverage Rate (Estimate*)
16 - 19 $1,122
20 - 24 $1,091
25 - 29 $918
30 - 34 $791
35 – 39 $638
40 – 44 $663
45 – 49 $607
50 – 54 $530
55 – 59 $653
60 – 64 $546
65 – 69 $571
70 – 74 $515
75 and more $530
* Rough estimate for teens, adults and seniors who are driving Mini MK VII (1998)
Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $434 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Mini, MK VII good for senior drivers? If you have questions or issues relevant to Mini MK VII or another vehicle, please ask in the discussion.
You know you need to insure your 1998 Front Mini, MK VII, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Mini MK VII: Exterior Specs, Features & Options

The engine of Mini, MK VII (4 cyl) is mated to a electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, that in this case, sends power to the Front. MK VII model body (SUV, Sedan, Truck, Coupe, Hatchback, Crossover, Luxury Car, Convertible, Sports Car, Wagon, Van), 1275 CC (liter), 97 ps (98.6% of a brake horsepower) is matched to an this trim level of the 1998 MK VII for 1998. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Mini, MK VII has horsepower of 97 ps & 1275 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model this trim level of the 1998 MK VII has an engine torque of 115 nm & 2650 rpm. The power and maximum speed of the Mini MK VII vehicle (sorry, we do not know how fast will Mini, MK VII accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Mini, MK VII Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (735 kg is the weight of this model), its engine torque and the engine rotation speed.
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Mini, MK VII: specifications

Model body: find all body and trim levels of the Mini MK VII inside category
Model doors: parameter not set
Model drive: Front
Model engine bore: The bore represents the size, in terms of diameter, of the cylinder in which a piston travels.
Model engine (cc): 1275
Model engine compression: is a value that represents the ratio of the volume of its combustion chamber from its largest capacity to its smallest capacity. You can find a more detailed explanation on wiki.
Model engine (cyl): 4
Model engine fuel: Gasoline
Model engine position: Front
Model engine power (ps/hp): 97
Model engine max power (rpm): 6130
Model engine stroke (mm): bore/stroke ratio (cylinder bore diameter, piston stroke)
Model engine torque (nm): 115
Model engine max torque (rpm): 2650
Model engine type: in-line
Model engine (valves per cyl): parameter not set
Model fuel cap: the end of the pipe leading to the petrol tank
Model height: 1360
Model length: 3060
Model Lkm (city): Fuel efficiency in city
Model Lkm (hwy): Fuel efficiency out of city
Model Lkm (mixed): How does the fuel economy of the 1998 MK VII looks like?
Model make: Mini
Model name: MK VII
Model seats: Number of seats
Model to 100 (Kph): How fast your 1998 Mini MK VII accelerates to 100 km/h (0-60 mph)?
Model top speed (kph): We are not sure, what is the top speed of MK VII Mini 1998, but the engine power is around 1275 cc.
Model Transmission type: The cost of the MK VII with automatic transmission are usually higher than a manual one. For insurance companies, an automatic gearbox is also more expensive to replace than a manual.
Model trim: What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 1998 Mini MK VII with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be.
Model weight: 735
Model wheelbase: 2040
Model width: 1450
Model year: 1998
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How does the interior of the new MK VII look like? Read our review of the 1998 Mini MK VII interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used MK VII What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 1998 Mini MK VII with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be. .

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