Mini Clubman Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Mini Clubman are $1,180 a year for full coverage. Comprehensive costs on average $232 a year, collision costs $330, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,536. Teen drivers receive the highest rates at $4,566 a year or more.

Average premium for full coverage: $1,180

Rate estimates by individual coverage type:

Comprehensive $232
Collision $330
Liability $460

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Clubman trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $510 for only liability insurance to a high of $2,536 for a high risk driver.

Liability Only $510
Full Coverage $1,180
High Risk $2,536

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $885
Small Cities $1,239
Large Cities $1,593

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $703
  • Drivers who choose higher $1,000 deductibles will pay around $1,052 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,180
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,424
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,536 or more
  • The cost for full coverage for a teen driver may cost $4,566 a year

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance rates range from $703 to $4,566

for a Mini Clubman can also vary considerably based on your driver profile, the trim level of your Clubman, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,500 a year. View Rates by Age

Where you live makes a big difference in Mini Clubman insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,680 on average in Michigan, Louisiana, and New York.

Mini Clubman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$112 -9.5%
Alaska $904 -$276 -23.4%
Arizona $982 -$198 -16.8%
Arkansas $1,180 -$0 0.0%
California $1,346 $166 14.1%
Colorado $1,128 -$52 -4.4%
Connecticut $1,214 $34 2.9%
Delaware $1,336 $156 13.2%
Florida $1,476 $296 25.1%
Georgia $1,088 -$92 -7.8%
Hawaii $848 -$332 -28.1%
Idaho $800 -$380 -32.2%
Illinois $880 -$300 -25.4%
Indiana $888 -$292 -24.7%
Iowa $796 -$384 -32.5%
Kansas $1,122 -$58 -4.9%
Kentucky $1,612 $432 36.6%
Louisiana $1,746 $566 48.0%
Maine $730 -$450 -38.1%
Maryland $974 -$206 -17.5%
Massachusetts $946 -$234 -19.8%
Michigan $2,050 $870 73.7%
Minnesota $988 -$192 -16.3%
Mississippi $1,412 $232 19.7%
Missouri $1,046 -$134 -11.4%
Montana $1,268 $88 7.5%
Nebraska $932 -$248 -21.0%
Nevada $1,416 $236 20.0%
New Hampshire $852 -$328 -27.8%
New Jersey $1,320 $140 11.9%
New Mexico $1,046 -$134 -11.4%
New York $1,244 $64 5.4%
North Carolina $680 -$500 -42.4%
North Dakota $966 -$214 -18.1%
Ohio $816 -$364 -30.8%
Oklahoma $1,212 $32 2.7%
Oregon $1,082 -$98 -8.3%
Pennsylvania $1,126 -$54 -4.6%
Rhode Island $1,576 $396 33.6%
South Carolina $1,068 -$112 -9.5%
South Dakota $996 -$184 -15.6%
Tennessee $1,034 -$146 -12.4%
Texas $1,424 $244 20.7%
Utah $874 -$306 -25.9%
Vermont $808 -$372 -31.5%
Virginia $708 -$472 -40.0%
Washington $914 -$266 -22.5%
West Virginia $1,082 -$98 -8.3%
Wisconsin $818 -$362 -30.7%
Wyoming $1,054 -$126 -10.7%

View Chart as Image

Mini Clubman insurance rates by U.S. city

Choosing high deductibles could save up to $380 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Mini Clubman Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mini Clubman Station Wagon $1,124 $94
Mini Clubman S Station Wagon $1,180 $98
Mini Clubman John Cooper Works Station Wagon $1,256 $105

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.

Mini Clubman Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Mini Clubman $232 $330 $460 $1,180
2010 Mini Clubman $202 $268 $474 $1,102

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 not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $375 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $510 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $381 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,360 more each year for insurance

Rates by Driver Age

Mini Clubman Insurance Rates by Driver Age
Driver Age Premium
16 $4,566
20 $2,692
30 $1,214
40 $1,180
50 $1,080
60 $1,058

Full coverage, $500 deductibles

Rates by Deductible

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,424
$250 $1,312
$500 $1,180
$1,000 $1,052

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,180
50/100 $1,348
100/300 $1,463
250/500 $1,762
100 CSL $1,394
300 CSL $1,647
500 CSL $1,831

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Clubman Insurance Rates for High Risk Drivers
Age Premium
16 $6,466
20 $4,286
30 $2,576
40 $2,536
50 $2,424
60 $2,400

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.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $82
Total Discounts $477
Rate after discounts $703

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles