Mini Clubman Insurance Rates

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

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: 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.

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:

Comprehensive $224
Collision $310
Liability $464

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.

Liability Only $514
Full Coverage $1,156
High Risk $2,484

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.

Rural Areas $867
Small Cities $1,214
Large Cities $1,561

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

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance prices range from $691 to $4,492

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.

Mini Clubman Insurance Rates by State
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%

View Chart as Image

Mini Clubman insurance rates by U.S. city

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

Mini Clubman Insurance Rates by Model and Trim Level
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.

Mini Clubman Insurance Rates by Model Year
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

Rates by Driver Age

Mini Clubman Insurance 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

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,388
$250 $1,282
$500 $1,156
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
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

Mini Clubman Insurance 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.

SR-22 Surcharge $155

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
Rate after discounts $691

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