Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Mini Clubman are $1,140 a year including full coverage. Comprehensive insurance costs on average $220 each year, collision insurance costs $288, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,446 or more. Teen drivers pay the most at up to $4,446 a year.
Average premium for full coverage: $1,140
Premium estimates by type of coverage:
Includes $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Clubman models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Mini Clubman range from the low end price of $522 for a discount liability-only rate to a high rate of $2,446 for a high-risk driver policy.
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 lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why all drivers should get quotes based on a specific location, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down average Mini Clubman insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $684
- Choosing higher $1,000 deductibles can save around $116 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,140
- Choosing low deductibles for comp and collision coverage will cost an additional $220 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,446
- An auto insurance policy that insures a teen driver may cost $4,446 each year
Insurance prices for a Mini Clubman also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 127% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age
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 $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,630 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,030 | -$110 | -9.6% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $946 | -$194 | -17.0% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,298 | $158 | 13.9% |
| Colorado | $1,090 | -$50 | -4.4% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,426 | $286 | 25.1% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $820 | -$320 | -28.1% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $858 | -$282 | -24.7% |
| Iowa | $768 | -$372 | -32.6% |
| Kansas | $1,084 | -$56 | -4.9% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $704 | -$436 | -38.2% |
| Maryland | $938 | -$202 | -17.7% |
| Massachusetts | $912 | -$228 | -20.0% |
| Michigan | $1,980 | $840 | 73.7% |
| Minnesota | $954 | -$186 | -16.3% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $898 | -$242 | -21.2% |
| Nevada | $1,366 | $226 | 19.8% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,272 | $132 | 11.6% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $934 | -$206 | -18.1% |
| Ohio | $788 | -$352 | -30.9% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,042 | -$98 | -8.6% |
| Pennsylvania | $1,088 | -$52 | -4.6% |
| Rhode Island | $1,518 | $378 | 33.2% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $882 | -$258 | -22.6% |
| West Virginia | $1,042 | -$98 | -8.6% |
| Wisconsin | $790 | -$350 | -30.7% |
| Wyoming | $1,016 | -$124 | -10.9% |
Choosing high deductibles can save as much as $340 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $1,088 | $91 |
| Mini Clubman S Station Wagon | $1,140 | $95 |
| Mini Clubman John Cooper Works Station Wagon | $1,208 | $101 |
Rates assume 2013 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 Find the Cheapest Mini Clubman Insurance
Finding better rates on Mini Clubman insurance takes not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and dropping full coverage on older vehicles. Shop around every time your policy renews by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following is a recap of the information covered in the above illustrations.
- You may be able to save as much as $130 per year just by quoting online in advance
- Teens pay higher prices, with the cost nearing $371 per month if comprehensive and collision insurance is included
- Increasing policy deductibles can save approximately $325 each year
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,310 more each year for Clubman insurance
- Drivers who require higher liability limits will pay about $520 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,446 |
| 20 | $2,590 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,042 |
| 60 | $1,020 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,024 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,286 |
| 20 | $4,126 |
| 30 | $2,476 |
| 40 | $2,446 |
| 50 | $2,336 |
| 60 | $2,312 |
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 | $59 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $456 |
Discounts are estimated and may not be available from every company or in every state.
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