Mini Clubman Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Estimated insurance rates for a Mini Clubman are $1,140 a year with full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $288, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,446 or more. 16-year-old drivers pay the most at $4,446 a year or more.

Average premium for full coverage: $1,140

Premium estimates broken down by type of coverage:

Comprehensive $220
Collision $288
Liability $474

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Clubman models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Mini Clubman go from the low end price of $522 for a discount liability-only rate to a high rate of $2,446 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,140
High Risk $2,446

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $855
Small Cities $1,197
Large Cities $1,539

These rate differences demonstrate why all drivers should compare prices for a targeted area, rather than using rate 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.

Rates by State, City, and Model

The chart below details estimated Mini Clubman insurance rates for other coverage scenarios.

  • The best full coverage rate is $684
  • Using higher $1,000 deductibles will save approximately $116 annually
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,140
  • Buying low deductibles for physical damage coverage will cost an additional $220 each year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,446 or more
  • An auto insurance policy that insures a teenage driver can cost as much as $4,446 or more

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance prices range from $684 to $4,446

Insurance prices for a Mini Clubman also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 127% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or at least $1,540 on average in New York, Michigan, and Florida.

Mini Clubman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,030 -$110 -9.6%
Alaska $874 -$266 -23.3%
Arizona $946 -$194 -17.0%
Arkansas $1,140 -$0 0.0%
California $1,298 $158 13.9%
Colorado $1,090 -$50 -4.4%
Connecticut $1,172 $32 2.8%
Delaware $1,290 $150 13.2%
Florida $1,426 $286 25.1%
Georgia $1,050 -$90 -7.9%
Hawaii $820 -$320 -28.1%
Idaho $770 -$370 -32.5%
Illinois $850 -$290 -25.4%
Indiana $858 -$282 -24.7%
Iowa $768 -$372 -32.6%
Kansas $1,084 -$56 -4.9%
Kentucky $1,554 $414 36.3%
Louisiana $1,686 $546 47.9%
Maine $704 -$436 -38.2%
Maryland $938 -$202 -17.7%
Massachusetts $912 -$228 -20.0%
Michigan $1,980 $840 73.7%
Minnesota $954 -$186 -16.3%
Mississippi $1,364 $224 19.6%
Missouri $1,010 -$130 -11.4%
Montana $1,224 $84 7.4%
Nebraska $898 -$242 -21.2%
Nevada $1,366 $226 19.8%
New Hampshire $820 -$320 -28.1%
New Jersey $1,272 $132 11.6%
New Mexico $1,010 -$130 -11.4%
New York $1,200 $60 5.3%
North Carolina $656 -$484 -42.5%
North Dakota $934 -$206 -18.1%
Ohio $788 -$352 -30.9%
Oklahoma $1,170 $30 2.6%
Oregon $1,042 -$98 -8.6%
Pennsylvania $1,088 -$52 -4.6%
Rhode Island $1,518 $378 33.2%
South Carolina $1,032 -$108 -9.5%
South Dakota $962 -$178 -15.6%
Tennessee $998 -$142 -12.5%
Texas $1,374 $234 20.5%
Utah $844 -$296 -26.0%
Vermont $782 -$358 -31.4%
Virginia $682 -$458 -40.2%
Washington $882 -$258 -22.6%
West Virginia $1,042 -$98 -8.6%
Wisconsin $790 -$350 -30.7%
Wyoming $1,016 -$124 -10.9%

View Chart as Image

Mini Clubman insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $340 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the prices will be substantially different.

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 $1,088 $91
Mini Clubman S Station Wagon $1,140 $95
Mini Clubman John Cooper Works Station Wagon $1,208 $101

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 $220 $288 $474 $1,140
2010 Mini Clubman $184 $222 $474 $1,038

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 Cheap Mini Clubman Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop at least every other year by requesting rates from direct companies, and also from insurance agencies where you live.

The points below are a brief summary of the car insurance concepts covered in the charts and tables above.

  • Drivers that tend to have accidents or serious violations could be forced to pay on average $1,310 more annually to insure a Mini Clubman
  • You may be able to save approximately $130 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $325 each year
  • Consumers who want increased liability limits will pay around $520 every year to increase from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Mini Clubman Insurance Rates by Driver Age
Driver Age Premium
16 $4,446
20 $2,590
30 $1,168
40 $1,140
50 $1,042
60 $1,020

Full coverage, $500 deductibles

Rates by Deductible

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,260
$500 $1,140
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,303
100/300 $1,421
250/500 $1,729
100 CSL $1,350
300 CSL $1,611
500 CSL $1,801

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Clubman Insurance Rates for High Risk Drivers
Age Premium
16 $6,286
20 $4,126
30 $2,476
40 $2,446
50 $2,336
60 $2,312

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 $152

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $51
Online Quote $79
Total Discounts $456
Rate after discounts $684

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

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