Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance prices for a Mini Clubman are $1,038 every 12 months for full coverage. Comprehensive costs on average $184 a year, collision costs $222, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,226. 16-year-old drivers pay the most at $4,136 a year or more.
Average premium for full coverage: $1,038
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Clubman trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mini Clubman go from the cheapest price of $522 for your basic liability-only policy to a high of $2,226 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences show why it is important to get quotes based on a specific location and their own driving history, rather than relying on rate averages.
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.
More Rate Information
The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $631
- Choosing higher $1,000 deductibles can save around $946 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,038
- Buying low $100 deductibles for comp and collision coverage increases the price to $1,214
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,226 or more
- An auto insurance policy to insure a teen driver may cost $4,136 each year
Insurance prices for a Mini Clubman also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Clubman.
Opting for high physical damage deductibles can save as much as $270 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or at least $1,480 on average in Michigan, Louisiana, and New York.
| 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 such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially 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 Cheapest Mini Clubman Insurance
Finding better rates on Mini Clubman insurance takes having a decent driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The following items are a recap of the material that was touched on in the above illustrations.
- Drivers who require additional liability coverage will pay around $520 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers pay higher prices, as much as $345 per month if full coverage is included
- High-risk drivers that have major violations or accidents pay an average of $1,190 more each year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $275 each year
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.
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