Mini Clubman Insurance Rates

Estimated insurance rates for a Mini Clubman are $1,008 a year for full coverage insurance. Comprehensive insurance costs on average $174 each year, collision costs $202, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,156 or more. Teenage drivers pay the most at $4,040 a year or more.

Average premium for full coverage: $1,008

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Clubman models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Mini Clubman insurance rates for different risk profiles and scenarios.

• The best discount rate is $615
• Drivers who choose higher $1,000 deductibles will pay around $86 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,008
• Using low deductibles for comprehensive and collision insurance will cost an extra $160 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,156 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,040 a year

View Chart as Image

Auto insurance prices for a Mini Clubman also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Mini Clubman insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,360 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $250 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Mini Clubman Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the information presented in the illustrations above.

• It is possible to save as much as $110 per year simply by quoting online in advance
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $337 per month if they have full coverage
• Increasing policy deductibles can save around $250 each year
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,150 more each year than a driver with a clean driving record
• Policyholders who require additional liability coverage will pay an extra $520 annually to go from 30/60 bodily injury limits to 250/500 limits