Mini Clubman Insurance Rates
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UPDATED: Apr 2, 2020
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The average insurance rates for a Mini Clubman are $1,156 a year including full coverage. Comprehensive insurance costs around $224, collision costs $310, and liability is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing $2,484 or more. Teen drivers cost the most to insure at $4,492 a year or more.
Average premium for full coverage: $1,156
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Clubman trim levels.
Price Range Variability
For the average driver, Mini Clubman insurance rates go from the low end price of $514 for minimum levels of liability insurance to a much higher rate of $2,484 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of using 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.
Additional Rate Details
The chart below breaks down estimated Mini Clubman insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $691
- Choosing higher $1,000 deductibles can save about $122 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,156
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $232 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,484 or more
- Policy cost that insures a teen driver with full coverage can be $4,492 each year
Insurance rates for a Mini Clubman also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 135% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Mini Clubman insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,650 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles can save as much as $360 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied.
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 Find Low Cost Mini Clubman Insurance
Finding cheaper rates on car insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Shop around every couple of years by requesting rates from direct car insurance companies, and also from local insurance agencies.
Below is a review of the material that was touched on above.
- Policyholders who may need higher levels of liability will pay about $510 per year to raise limits from a 30/60 limit to the 250/500 level
- Teenage drivers pay higher rates, with premiums being up to $374 each month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,330 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $350 each year
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$75|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$45|
Discounts are estimated and may not be available from every company or in every state.
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