Mini Clubman Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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Average insurance rates for a Mini Clubman are $976 a year for full coverage. Comprehensive insurance costs an estimated $168, collision costs $182, and liability insurance costs around $468. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing $2,088 or more. Teens receive the highest rates at $3,930 a year or more.
Average premium for full coverage: $976
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Clubman trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $518 for just liability coverage to a much higher rate of $2,088 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying 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 estimated Mini Clubman insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $600
- Using higher $1,000 deductibles will save approximately $80 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $976
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $148 a year
- Drivers with serious driving violations could pay up to $2,088 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $3,930 or more
Insurance rates for a Mini Clubman can also vary considerably based on your driver profile, the trim level of your Clubman, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age
Where you live has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see rates 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 rates by as much as $230 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $421 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance can be anywhere from 41% to 126% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different from one company to the next.
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 Cheaper Mini Clubman Insurance
Saving money on Mini Clubman insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates every year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
Below is a condensed summary of the coverage data covered above.
- Drivers can save approximately $110 per year simply by shopping early and online
- Increasing deductibles can save around $225 each year
- Teenage drivers are expensive to insure, costing as high as $328 per month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents pay an average of $1,110 more annually for auto insurance
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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