Mini Clubman Insurance Rates

The average insurance rates for a Mini Clubman are $1,008 a year for full coverage. Comprehensive costs approximately $174 each year, collision costs $202, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,156. Teenage drivers cost the most to insure at $4,040 a year or more.

Average premium for full coverage: $1,008

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Clubman models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should compare rates using their specific location, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Mini Clubman insurance rates for additional coverage and risk scenarios.

• The best discount rate is $615
• Drivers who choose higher $1,000 deductibles will pay $86 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,008
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,168
• Drivers who are prone to accidents and violations could pay around $2,156 or more
• Policy cost that insures a 16-year-old driver can cost $4,040 a year

View Chart as Image

Insurance rates for a Mini Clubman also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $250 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.

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 Cheaper Mini Clubman Insurance

Finding cheaper rates on insurance for a Mini Clubman not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by getting quotes from direct carriers, and also from insurance agencies where you live.

The next list is a condensed summary of the data touched on above.

• Insureds who purchase increased levels of liability coverage will pay an extra $520 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save around $110 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers age 20 and younger are expensive to insure, costing up to $337 each month if full coverage is included