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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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:

Comprehensive $224
Collision $310
Liability $464

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.

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

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.

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

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

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance rates range from $691 to $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.

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

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

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 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

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.

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