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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U.S. average insurance rates for a Mini Clubman are $976 a year for full coverage. Comprehensive insurance costs approximately $168, collision insurance costs $182, and liability costs around $468. Buying just liability costs as low as $518 a year, and insurance for high-risk drivers costs $2,088 or more. Teens pay the highest rates at up to $3,930 a year.
Average premium for full coverage: $976
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different Clubman trim levels.
Price Range from Low to High
For the average 40-year-old driver, Mini Clubman insurance prices range from as low as $518 for just liability coverage to a much higher rate of $2,088 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average Mini Clubman insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $600
- Using higher $1,000 deductibles will save $80 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $976
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $148 annually
- High-risk insureds with serious driving violations could pay around $2,088
- The price for full coverage for a 16-year-old driver with full coverage can cost $3,930 or more
Insurance prices for a Mini Clubman are also quite variable based on your driving record, the trim level of your Clubman, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
The state you live in has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see prices as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $230 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $421 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 additional each year, depending on your age. High-risk driver insurance can be from 41% to 126% more than the average policy. View High Risk Driver Rates
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 Find Affordable Mini Clubman Insurance
Getting lower rates on insurance for a Mini Clubman requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the material that was touched on in this article.
- Insureds who purchase higher levels of liability will pay approximately $520 each year to increase from a low limit to 250/500 limits
- Teenage drivers are the costliest to insure, with premiums as much as $328 a month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,110 more per year for auto insurance
- Increasing physical damage deductibles can save around $225 each year
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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