Mini Clubman Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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Average auto insurance rates for a Mini Clubman are $976 annually for full coverage. Comprehensive costs approximately $168 a year, collision insurance costs $182, and liability is estimated at $468. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $2,088. Teen drivers receive the highest rates at up to $3,930 a year.
Average premium for full coverage: $976
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Clubman trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $518 for the bare minimum liability coverage to a high of $2,088 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
These examples show why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on price 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.
Additional Rate Information
The chart below shows average Mini Clubman insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $600
- Choosing higher $1,000 deductibles can save $896 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $976
- Choosing low $100 deductibles for comp and collision coverage will cost $1,124
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,088
- The cost with full coverage for a 16-year-old driver can cost $3,930 each year
Auto insurance rates for a Mini Clubman can also vary considerably based on the trim level of your Clubman, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 41% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $230 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Mini Clubman insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,390 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $884 | -$92 | -9.4% |
| Alaska | $750 | -$226 | -23.2% |
| Arizona | $810 | -$166 | -17.0% |
| Arkansas | $976 | -$0 | 0.0% |
| California | $1,112 | $136 | 13.9% |
| Colorado | $934 | -$42 | -4.3% |
| Connecticut | $1,004 | $28 | 2.9% |
| Delaware | $1,106 | $130 | 13.3% |
| Florida | $1,222 | $246 | 25.2% |
| Georgia | $900 | -$76 | -7.8% |
| Hawaii | $700 | -$276 | -28.3% |
| Idaho | $660 | -$316 | -32.4% |
| Illinois | $730 | -$246 | -25.2% |
| Indiana | $734 | -$242 | -24.8% |
| Iowa | $658 | -$318 | -32.6% |
| Kansas | $930 | -$46 | -4.7% |
| Kentucky | $1,332 | $356 | 36.5% |
| Louisiana | $1,444 | $468 | 48.0% |
| Maine | $604 | -$372 | -38.1% |
| Maryland | $804 | -$172 | -17.6% |
| Massachusetts | $780 | -$196 | -20.1% |
| Michigan | $1,696 | $720 | 73.8% |
| Minnesota | $816 | -$160 | -16.4% |
| Mississippi | $1,170 | $194 | 19.9% |
| Missouri | $864 | -$112 | -11.5% |
| Montana | $1,048 | $72 | 7.4% |
| Nebraska | $770 | -$206 | -21.1% |
| Nevada | $1,172 | $196 | 20.1% |
| New Hampshire | $702 | -$274 | -28.1% |
| New Jersey | $1,092 | $116 | 11.9% |
| New Mexico | $864 | -$112 | -11.5% |
| New York | $1,028 | $52 | 5.3% |
| North Carolina | $562 | -$414 | -42.4% |
| North Dakota | $800 | -$176 | -18.0% |
| Ohio | $676 | -$300 | -30.7% |
| Oklahoma | $1,002 | $26 | 2.7% |
| Oregon | $894 | -$82 | -8.4% |
| Pennsylvania | $930 | -$46 | -4.7% |
| Rhode Island | $1,304 | $328 | 33.6% |
| South Carolina | $884 | -$92 | -9.4% |
| South Dakota | $826 | -$150 | -15.4% |
| Tennessee | $854 | -$122 | -12.5% |
| Texas | $1,176 | $200 | 20.5% |
| Utah | $722 | -$254 | -26.0% |
| Vermont | $668 | -$308 | -31.6% |
| Virginia | $584 | -$392 | -40.2% |
| Washington | $756 | -$220 | -22.5% |
| West Virginia | $894 | -$82 | -8.4% |
| Wisconsin | $676 | -$300 | -30.7% |
| Wyoming | $872 | -$104 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $940 | $78 |
| Mini Clubman S Station Wagon | $976 | $81 |
| Mini Clubman John Cooper Works Station Wagon | $1,020 | $85 |
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 | $198 | $244 | $478 | $1,078 |
| 2010 Mini Clubman | $168 | $182 | $468 | $976 |
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 Buy Affordable Mini Clubman Insurance
Saving money on insurance for a Mini Clubman takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a brief review of the primary concepts that were covered in the charts and tables above.
- Drivers can save around $110 per year just by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,110 more per year to insure a Mini Clubman
- Increasing deductibles could save up to $225 each year
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $328 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,930 |
| 20 | $2,212 |
| 30 | $992 |
| 40 | $976 |
| 50 | $896 |
| 60 | $876 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,124 |
| $250 | $1,056 |
| $500 | $976 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $976 |
| 50/100 | $1,114 |
| 100/300 | $1,231 |
| 250/500 | $1,535 |
| 100 CSL | $1,160 |
| 300 CSL | $1,418 |
| 500 CSL | $1,605 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,524 |
| 20 | $3,522 |
| 30 | $2,102 |
| 40 | $2,088 |
| 50 | $1,996 |
| 60 | $1,974 |
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 | $49 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $65 |
| Total Discounts | $376 |
Discounts are estimated and may not be available from every company or in every state.
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