Mini Clubman Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Mini Clubman are $1,038 every 12 months for full coverage. Comprehensive insurance costs an estimated $184, collision costs $222, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,226 or more. Teenage drivers receive the highest rates at $4,136 a year or more.
Average premium for full coverage: $1,038
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Clubman models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,226 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples show why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows estimated Mini Clubman insurance rates for other coverage scenarios.
- The best discount rate is $631
- Using higher $1,000 deductibles will save approximately $92 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,038
- Using pricier low deductibles for physical damage coverage costs an extra $176 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,226 or more
- The cost to insure a teenage driver for full coverage can cost as much as $4,136 or more
Car insurance rates for a Mini Clubman can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $270 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,200 to $1,700 extra per year, depending on your age. Mini Clubman insurance for high-risk drivers can be around 41% to 129% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see rates as low as $690 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,480 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $940 | -$98 | -9.4% |
| Alaska | $796 | -$242 | -23.3% |
| Arizona | $860 | -$178 | -17.1% |
| Arkansas | $1,038 | -$0 | 0.0% |
| California | $1,184 | $146 | 14.1% |
| Colorado | $992 | -$46 | -4.4% |
| Connecticut | $1,068 | $30 | 2.9% |
| Delaware | $1,176 | $138 | 13.3% |
| Florida | $1,300 | $262 | 25.2% |
| Georgia | $958 | -$80 | -7.7% |
| Hawaii | $746 | -$292 | -28.1% |
| Idaho | $700 | -$338 | -32.6% |
| Illinois | $774 | -$264 | -25.4% |
| Indiana | $780 | -$258 | -24.9% |
| Iowa | $700 | -$338 | -32.6% |
| Kansas | $988 | -$50 | -4.8% |
| Kentucky | $1,416 | $378 | 36.4% |
| Louisiana | $1,536 | $498 | 48.0% |
| Maine | $642 | -$396 | -38.2% |
| Maryland | $856 | -$182 | -17.5% |
| Massachusetts | $832 | -$206 | -19.8% |
| Michigan | $1,804 | $766 | 73.8% |
| Minnesota | $868 | -$170 | -16.4% |
| Mississippi | $1,242 | $204 | 19.7% |
| Missouri | $922 | -$116 | -11.2% |
| Montana | $1,116 | $78 | 7.5% |
| Nebraska | $818 | -$220 | -21.2% |
| Nevada | $1,244 | $206 | 19.8% |
| New Hampshire | $746 | -$292 | -28.1% |
| New Jersey | $1,160 | $122 | 11.8% |
| New Mexico | $920 | -$118 | -11.4% |
| New York | $1,094 | $56 | 5.4% |
| North Carolina | $598 | -$440 | -42.4% |
| North Dakota | $850 | -$188 | -18.1% |
| Ohio | $716 | -$322 | -31.0% |
| Oklahoma | $1,066 | $28 | 2.7% |
| Oregon | $950 | -$88 | -8.5% |
| Pennsylvania | $992 | -$46 | -4.4% |
| Rhode Island | $1,384 | $346 | 33.3% |
| South Carolina | $940 | -$98 | -9.4% |
| South Dakota | $878 | -$160 | -15.4% |
| Tennessee | $908 | -$130 | -12.5% |
| Texas | $1,252 | $214 | 20.6% |
| Utah | $768 | -$270 | -26.0% |
| Vermont | $712 | -$326 | -31.4% |
| Virginia | $622 | -$416 | -40.1% |
| Washington | $804 | -$234 | -22.5% |
| West Virginia | $950 | -$88 | -8.5% |
| Wisconsin | $720 | -$318 | -30.6% |
| Wyoming | $926 | -$112 | -10.8% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $998 | $83 |
| Mini Clubman S Station Wagon | $1,038 | $87 |
| Mini Clubman John Cooper Works Station Wagon | $1,092 | $91 |
Rates assume 2010 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Mini Clubman | $220 | $288 | $474 | $1,140 |
| 2010 Mini Clubman | $184 | $222 | $474 | $1,038 |
Rates are averaged for all Mini Clubman models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Mini Clubman Insurance
Saving money on auto insurance requires being a safe and courteous driver, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a quick rundown of the primary concepts that were covered above.
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
- Drivers with reckless driving or DUI convictions pay on average $1,190 more annually for auto insurance
- Increasing deductibles could save as much as $275 each year
- Teenage drivers have the highest car insurance rates, costing as high as $345 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,136 |
| 20 | $2,358 |
| 30 | $1,058 |
| 40 | $1,038 |
| 50 | $952 |
| 60 | $932 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,214 |
| $250 | $1,134 |
| $500 | $1,038 |
| $1,000 | $946 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,038 |
| 50/100 | $1,187 |
| 100/300 | $1,305 |
| 250/500 | $1,613 |
| 100 CSL | $1,234 |
| 300 CSL | $1,495 |
| 500 CSL | $1,685 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,828 |
| 20 | $3,758 |
| 30 | $2,246 |
| 40 | $2,226 |
| 50 | $2,128 |
| 60 | $2,104 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $53 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
