Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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Average insurance prices for a Mini Clubman are $1,156 every 12 months for full coverage. Comprehensive costs on average $224 each year, collision costs $310, and liability is $464. A liability-only policy costs around $514 a year, with high-risk insurance costing around $2,484. Teens receive the highest rates at $4,492 a year or more.
Average premium for full coverage: $1,156
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Clubman models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $514 for minimum levels of liability insurance to a high rate of $2,484 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using 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.
Additional Rate Details
The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $691
- Raising to $1,000 deductibles will save around $122 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,156
- Selecting low deductibles increases the price to $1,388
- At-risk drivers with serious driving violations could pay upwards of $2,484 or more
- The cost to insure a teen driver may cost $4,492
Insurance rates for a Mini Clubman can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Clubman.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Mini Clubman insurance prices. A middle-age driver might find rates as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,650 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,318 | $162 | 14.0% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,190 | $34 | 2.9% |
| Delaware | $1,310 | $154 | 13.3% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,068 | -$88 | -7.6% |
| Hawaii | $832 | -$324 | -28.0% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $872 | -$284 | -24.6% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,100 | -$56 | -4.8% |
| Kentucky | $1,578 | $422 | 36.5% |
| Louisiana | $1,712 | $556 | 48.1% |
| Maine | $712 | -$444 | -38.4% |
| Maryland | $956 | -$200 | -17.3% |
| Massachusetts | $928 | -$228 | -19.7% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $966 | -$190 | -16.4% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,242 | $86 | 7.4% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $832 | -$324 | -28.0% |
| New Jersey | $1,292 | $136 | 11.8% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $668 | -$488 | -42.2% |
| North Dakota | $948 | -$208 | -18.0% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,544 | $388 | 33.6% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $976 | -$180 | -15.6% |
| Tennessee | $1,012 | -$144 | -12.5% |
| Texas | $1,394 | $238 | 20.6% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $794 | -$362 | -31.3% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $802 | -$354 | -30.6% |
| Wyoming | $1,032 | -$124 | -10.7% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $1,100 | $92 |
| Mini Clubman S Station Wagon | $1,156 | $96 |
| Mini Clubman John Cooper Works Station Wagon | $1,228 | $102 |
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 | $224 | $310 | $464 | $1,156 |
| 2010 Mini Clubman | $198 | $244 | $478 | $1,078 |
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 Shop for More Affordable Mini Clubman Insurance
Saving money on car insurance consists of avoiding accidents and violations, having good credit, eliminating unneeded coverage, and bundling your home and auto policies. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a summary of the concepts that were presented in the illustrations above.
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,330 more each year for car insurance
- Teenagers pay the highest rates, costing as high as $374 per month if they have full coverage
- Drivers can save as much as $130 per year simply by quoting online in advance
- Increasing deductibles could save as much as $350 each year
- Drivers can save as much as $130 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,492 |
| 20 | $2,634 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,388 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,321 |
| 100/300 | $1,437 |
| 250/500 | $1,738 |
| 100 CSL | $1,367 |
| 300 CSL | $1,622 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,358 |
| 20 | $4,196 |
| 30 | $2,518 |
| 40 | $2,484 |
| 50 | $2,372 |
| 60 | $2,348 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $80 |
| Total Discounts | $465 |
Discounts are estimated and may not be available from every company or in every state.
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