Mini Cooper Lease
The average cost of a Mini Cooper lease ranges from $279 to $489 a month.
Written by Ethan Moser
Reviewed by Jessica Barrett
A Mini Cooper lease costs between $279 and $489 a month, depending on trim level, negotiated price, down payment, and credit score.
If you’re in the market for a vehicle that brings together the award-winning performance capabilities of a luxury BMW and the signature 1960s styling of a Mini, then look no further than the Mini Cooper. And you can get behind the wheel of one without the commitment of a traditional car loan with a lease.
Leasing comes with more restrictions than a traditional auto loan, but in return, you get to drive a vehicle during its best years for a lower average monthly payment.
Think that leasing a Mini Cooper might be the best path for you? Here to answer all your questions is
Jerry
, the No. 1-rated car insurance
app and the only super app for car owners. In this comprehensive guide on leasing a Mini Cooper, we’ll cover everything from how leases work to what to expect when your lease comes to an end and everything in between—plus, how you can save on your Mini Cooper insurance costs
!How to lease a Mini Cooper
Leasing a Mini Cooper is, for the most part, a straightforward process. Follow this checklist, and you’ll be set up for the best lease deal you can get.
- Start by checking your credit score. Even when you’re not opting for a traditional auto loan, it’s going to be a challenge getting a lease without a decent credit score. In general, a score of 650 or more will put you in a good position to get a lease.
- Figure out your leasing budget. We suggest not investing more than 15% of your average monthly income into car lease payments. For example, if you pull in an average of $4,000 a month, you won’t want to commit to paying anything more than $600 a month on your lease payments.
- Estimate how much you can pay up front. Your down payment can lower your monthly costs. So it may be worth waiting a few months to save up a little extra so you can afford the best deal.
- Calculate your annual mileage. Mini offers drivers really flexible deals when it comes to the mileage on Cooper leases. With Mini’s Motoring Lease and Mileage Adjustment Program, drivers can work with the dealership to modify their lease to cover anywhere from 10,000 to 100,000 miles.
Once you have a budget in mind, you can head to a local Mini dealership to
compare lease offers
. Clarity surrounding your finances puts you in a strong position to identify which Cooper you can afford and to negotiate a lease that works well for you. The final step: shop for insurance
Remember, whether you own or lease, you’ll need car insurance for your Cooper! Jerry can help you get access to multiple competitive quotes from 50+ of the top insurance providers in less than 45 seconds, making shopping for insurance easier than ever!
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How much does a Mini Cooper lease cost?
The average cost to lease a Mini Cooper ranges from about $10,044 to $17,604 for a 36-month lease agreement.
Determining the exact amount you can expect to pay, however, will depend on the trim level and options you choose at the dealership, your credit score, your lease term, and the money you put down at signing. Prices for leases can also vary depending on your geographical location and the time of the year.
Trim level is one of the biggest factors that will determine how much you pay to lease a Mini Cooper. The Cooper is available in a variety of trim levels from a hardtop to a convertible, from the Countryman to the Clubman. While higher trim levels typically mean more features and better performance, they’ll also result in increasingly expensive monthly lease payments.
Let’s take a look at how your monthly payment and amount due at signing could change as you work your way up through the ranks of the Mini Cooper’s impressive 16 trim levels. Bear in mind that these numbers are assuming that the lessee has a credit score of more than 650 and has made a sizable down payment.
Trim level | Monthly payment | Amount due at signing |
|---|---|---|
Hardtop 2-door | $279 | $2,939 |
Hardtop 2-door S | $359 | $2,999 |
Hardtop 2-door John Cooper Works | $490 | $3,499 |
Hardtop 4-door | $289 | $2,999 |
Hardtop 4-door S | $369 | $2,999 |
Countryman | $369 | $2,999 |
Countryman ALL4 | $399 | $2,949 |
Countryman S ALL4 | $449 | $2,999 |
Countryman John Cooper Works | $529 | $3,499 |
Clubman S | $389 | $2,999 |
Clubman S ALL4 | $419 | $2,999 |
Clubman John Cooper Works | $489 | $3,499 |
Convertible | $359 | $2,969 |
Convertible S | $439 | $2,999 |
Convertible John Cooper Works | $489 | $3,499 |
Don’t forget to ask the dealership about special offers and incentives. Depending on the time of year, you may qualify for rebates, rewards, or something else, so it never hurts to ask what offers are available that could potentially lower the cost of your Mini Cooper lease.
Services included in a Mini Cooper lease
When you lease a Mini Cooper you are entitled to Mini’s Maintenance Program, which covers recommended scheduled maintenance costs for three years or 36,000 miles—whichever comes first.
But keep in mind that Mini Maintenance only covers routine factory-scheduled maintenance, not repairs due to accidents. This includes:
- Engine oil services
- Inspection services
- Brake fluid services
- Engine air filter
- Cabin air microfilter
What to do when your Mini Cooper lease is up
When your Mini Cooper lease comes to a close, you are generally faced with three options:
- Return your Cooper in exchange for another leased Mini model
- Return your Cooper and do not lease a new Mini model
- Request a payoff quote to buy the vehicle you’re currently driving
How to return a leased Mini Cooper
If you’re ready to say goodbye to your leased Mini Cooper, you’ll need to follow this step-by-step guide to returning your vehicle to make sure you aren’t paying anything extra in end-of-term payments.
- Schedule pre-inspection: When your lease is approaching its end, a representative from Mini will reach out to you to schedule a pre-inspection appointment to determine the state of your leased Cooper. Alternatively, you can schedule this inspection independently.
- Review your inspection results: After your inspection, you’ll want to take a look at your pre-inspection results to see if there is anything in particular that needs to be repaired or replaced or if you’ve exceeded your mileage limit and need to pay overages when returning your vehicle.
- Fix wear and tear: If there is anything on your Mini that needs to be replaced or repaired, you’ll want to address these issues prior to returning the vehicle to the dealership to avoid any end-of-term charges.
- Return your Mini: Contact your Mini dealership to schedule an appointment to return your Cooper and have a final inspection. At this meeting, you’ll need to sign a Federal Odometer Statement, which will serve as legal proof that you’ve returned the vehicle.
- Review your return statement: Shortly after returning your Mini Cooper, you’ll be able to access a copy of your Vehicle Return Statement and review your account activity, payment history, monthly statements, and more.
How to purchase a leased Mini Cooper
If you’re not ready to say goodbye to your Mini Cooper, you might want to consider buying out your lease. This usually means that you’ll have to finance the residual value of the vehicle, which will be predetermined in your lease agreement.
For more answers on how to buy out your leased Mini, you can contact a Mini leasing specialist at 1-888-777-4081.
How to find the best car insurance for a Mini Cooper lease
No matter which Mini model you decide to lease, you’ll need affordable, reliable
Mini insurance
to protect your investment. With No.1-rated insurance broker app Jerry
, finding great deals on great insurance has never been easier. By downloading the app and entering your information, Jerry can scan quotes from 50+ of the top insurance providers to make sure you’re getting the best deal on the insurance you need. Get quotes in less than 45 seconds and save an average of $887 a year on
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