Honda Civic Si vs MINI Cooper 3 Door: cost to own

Verdict, over 6 years

The MINI Cooper 3 Door costs about $4,446 less

That's $62 a month. Closest matching trims: same fuel and drive where possible.

Civic Si$1,179/moTrue cost

Cooper 3 Door C✓ $1,117/moTrue cost

2026 Honda Civic Si

Closest matching trim: Civic Si

Sticker (MSRP)$36,700

+$8,142→↓Freight, fees, HST

Drive away$44,842

+ running costs→↓− $24,800 resale

True cost$1,179/moA month to own, after resale

2026 MINI Cooper 3 Door

Closest matching trim: Cooper 3 Door C

Sticker (MSRP)$35,990

+$8,900→↓Freight, fees, HST

Drive away$44,890

+ running costs→↓− $16,618 resale

True cost$1,117/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$36,700	✓ $35,990	Cooper 3 Door by $710
Freight and fees, before tax	✓ $2,983	$3,736	Civic Si by $753
Sales tax (HST)	✓ $5,159	$5,164	Civic Si by $5
Drive-away price	✓ $44,842	$44,890	Civic Si by $48
Running costs, 6 years
Fuel or charging	$16,583	✓ $14,785	Cooper 3 Door by $1,798
Insurance (estimate)	$21,380	✓ $12,868	Cooper 3 Door by $8,512
Maintenance (estimate)	$9,028	✓ $6,643	Cooper 3 Door by $2,385
Loan rate	6.5%	6.5%	—
Loan interest	✓ $8,379	$8,390	Civic Si by $11
Lost return on your money	✓ $9,387	$9,396	Civic Si by $9
Resale after 6 yrs	✓ −$24,800	−$16,618	Civic Si by $8,182
Total
True cost	$84,890	✓ $80,445	Cooper 3 Door by $4,445
True cost a month	$1,179/mo	✓ $1,117/mo	Cooper 3 Door by $62
You pay each month	$1,324/mo	✓ $1,148/mo	Cooper 3 Door by $176
Practical
Fuel type	Premium gas	Premium gas	—
Seats	5	4	—
Carry-ons, 2 people	3	1	—
Built in Canada	Alliston, ON	—	—
Cargo behind row 2, litres	✓ 408	210	—
Length	4.69 m	3.88 m	—
Ground clearance	13 cm	—	—
Resale % after 6 yrs	✓ 68%	46%	—
US crash test	✓ 5★	Not rated yet	—
European crash test	—	✓ 5★ (2025)	—

Price

Sticker (MSRP)

Civic Si $36,700Cooper 3 Door C ✓ $35,990Cheaper by Cooper 3 Door by $710

Freight and fees, before tax

Civic Si ✓ $2,983Cooper 3 Door C $3,736Cheaper by Civic Si by $753

Sales tax (HST)

Civic Si ✓ $5,159Cooper 3 Door C $5,164Cheaper by Civic Si by $5

Drive-away price

Civic Si ✓ $44,842Cooper 3 Door C $44,890Cheaper by Civic Si by $48

Running costs, 6 years

Fuel or charging

Civic Si $16,583Cooper 3 Door C ✓ $14,785Cheaper by Cooper 3 Door by $1,798

Insurance (estimate)

Civic Si $21,380Cooper 3 Door C ✓ $12,868Cheaper by Cooper 3 Door by $8,512

Maintenance (estimate)

Civic Si $9,028Cooper 3 Door C ✓ $6,643Cheaper by Cooper 3 Door by $2,385

Loan rate

Civic Si 6.5%Cooper 3 Door C 6.5%Cheaper by —

Loan interest

Civic Si ✓ $8,379Cooper 3 Door C $8,390Cheaper by Civic Si by $11

Lost return on your money

Civic Si ✓ $9,387Cooper 3 Door C $9,396Cheaper by Civic Si by $9

Resale after 6 yrs

Civic Si ✓ −$24,800Cooper 3 Door C −$16,618Cheaper by Civic Si by $8,182

Total

True cost

Civic Si $84,890Cooper 3 Door C ✓ $80,445Cheaper by Cooper 3 Door by $4,445

True cost a month

Civic Si $1,179/moCooper 3 Door C ✓ $1,117/moCheaper by Cooper 3 Door by $62

You pay each month

Civic Si $1,324/moCooper 3 Door C ✓ $1,148/moCheaper by Cooper 3 Door by $176

Practical

Fuel type

Civic Si Premium gasCooper 3 Door C Premium gasCheaper by —

Seats

Civic Si 5Cooper 3 Door C 4Cheaper by —

Carry-ons, 2 people

Civic Si 3Cooper 3 Door C 1Cheaper by —

Built in Canada

Civic Si Alliston, ONCooper 3 Door C —Cheaper by —

Cargo behind row 2, litres

Civic Si ✓ 408Cooper 3 Door C 210Cheaper by —

Length

Civic Si 4.69 mCooper 3 Door C 3.88 mCheaper by —

Ground clearance

Civic Si 13 cmCooper 3 Door C —Cheaper by —

Resale % after 6 yrs

Civic Si ✓ 68%Cooper 3 Door C 46%Cheaper by —

US crash test

Civic Si ✓ 5★Cooper 3 Door C Not rated yetCheaper by —

European crash test

Civic Si —Cooper 3 Door C ✓ 5★ (2025)Cheaper by —

✓ marks the better figure. Resale is from used prices: the Civic Si from its own, the Cooper 3 Door typical for its type and brand. Their stickers differ by $710.