Mini Clubman Insurance Rates

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

Average premium for full coverage: $1,008

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Clubman models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

The chart below illustrates average Mini Clubman insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $615
• Drivers who choose higher $1,000 deductibles will pay $86 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,008
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,168
• Higher-risk drivers with serious driving violations could pay around $2,156
• Policy cost with full coverage for a teen driver for full coverage can cost $4,040 a year

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Mini Clubman insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $250 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy Cheap Mini Clubman Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest the time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,150 more per year to insure their Clubman
• It is possible to save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Policyholders who purchase more liability coverage will pay approximately $520 annually to go from a 30/60 limit to higher 250/500 limits