Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated auto insurance rates for a Mini Clubman are $1,140 annually for full coverage insurance. Comprehensive insurance costs on average $220 each year, collision insurance costs $288, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,446 or more. 16-year-old drivers pay the most at up to $4,446 a year.
Average premium for full coverage: $1,140
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Clubman models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Mini Clubman range from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,446 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
These rate differences illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using 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.
Additional Rate Details
The chart below illustrates average Mini Clubman insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $684
- Using higher $1,000 deductibles will save around $116 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,140
- Buying low deductibles for physical damage coverage costs an additional $220 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,446
- An auto insurance policy with full coverage for a teen driver may cost $4,446 or more
Insurance prices for a Mini Clubman also have a wide range based on the model of your Clubman, your risk profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $340 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,540 on average in Michigan, New York, and Florida.
| 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% |
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 Buy the Best Mini Clubman Insurance
Finding better rates on car insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies, and also from local exclusive and independent agents.
The next list is a brief recap of the data illustrated above.
- Policyholders who require increased levels of liability coverage will pay around $520 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save as much as $130 per year just by quoting online in advance
- Increasing policy deductibles could save up to $325 each year
- Drivers age 20 and younger pay higher prices, with premiums being up to $371 per month if they have full coverage
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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