Mini Clubman Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Mini Clubman are $976 every 12 months including full coverage. Comprehensive insurance costs around $168 a year, collision insurance costs $182, and liability coverage is estimated at $468. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs $2,088 or more. Teenage drivers pay the highest rates at up to $3,930 a year.
Average premium for full coverage: $976
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Clubman trim levels.
Price Range from Low to High
For the average driver, Mini Clubman insurance prices range from the cheapest price of $518 for a discount liability-only rate to a high of $2,088 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using average rates.
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 breaks down average Mini Clubman insurance rates for additional coverage choices and driver risks.
- The best discount rate is $600
- Choosing higher $1,000 deductibles can save about $896 every year
- The average price for the average middle-age driver using $500 deductibles is $976
- Using low $100 deductibles for comp and collision coverage costs an extra $148 each year
- Drivers who are prone to accidents and violations could pay at least $2,088
- The price to insure a teenage driver can be $3,930 each year
Insurance prices for a Mini Clubman are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $230 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges around 41% to 126% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $884 | -$92 | -9.4% |
| Alaska | $750 | -$226 | -23.2% |
| Arizona | $810 | -$166 | -17.0% |
| Arkansas | $976 | -$0 | 0.0% |
| California | $1,112 | $136 | 13.9% |
| Colorado | $934 | -$42 | -4.3% |
| Connecticut | $1,004 | $28 | 2.9% |
| Delaware | $1,106 | $130 | 13.3% |
| Florida | $1,222 | $246 | 25.2% |
| Georgia | $900 | -$76 | -7.8% |
| Hawaii | $700 | -$276 | -28.3% |
| Idaho | $660 | -$316 | -32.4% |
| Illinois | $730 | -$246 | -25.2% |
| Indiana | $734 | -$242 | -24.8% |
| Iowa | $658 | -$318 | -32.6% |
| Kansas | $930 | -$46 | -4.7% |
| Kentucky | $1,332 | $356 | 36.5% |
| Louisiana | $1,444 | $468 | 48.0% |
| Maine | $604 | -$372 | -38.1% |
| Maryland | $804 | -$172 | -17.6% |
| Massachusetts | $780 | -$196 | -20.1% |
| Michigan | $1,696 | $720 | 73.8% |
| Minnesota | $816 | -$160 | -16.4% |
| Mississippi | $1,170 | $194 | 19.9% |
| Missouri | $864 | -$112 | -11.5% |
| Montana | $1,048 | $72 | 7.4% |
| Nebraska | $770 | -$206 | -21.1% |
| Nevada | $1,172 | $196 | 20.1% |
| New Hampshire | $702 | -$274 | -28.1% |
| New Jersey | $1,092 | $116 | 11.9% |
| New Mexico | $864 | -$112 | -11.5% |
| New York | $1,028 | $52 | 5.3% |
| North Carolina | $562 | -$414 | -42.4% |
| North Dakota | $800 | -$176 | -18.0% |
| Ohio | $676 | -$300 | -30.7% |
| Oklahoma | $1,002 | $26 | 2.7% |
| Oregon | $894 | -$82 | -8.4% |
| Pennsylvania | $930 | -$46 | -4.7% |
| Rhode Island | $1,304 | $328 | 33.6% |
| South Carolina | $884 | -$92 | -9.4% |
| South Dakota | $826 | -$150 | -15.4% |
| Tennessee | $854 | -$122 | -12.5% |
| Texas | $1,176 | $200 | 20.5% |
| Utah | $722 | -$254 | -26.0% |
| Vermont | $668 | -$308 | -31.6% |
| Virginia | $584 | -$392 | -40.2% |
| Washington | $756 | -$220 | -22.5% |
| West Virginia | $894 | -$82 | -8.4% |
| Wisconsin | $676 | -$300 | -30.7% |
| Wyoming | $872 | -$104 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $940 | $78 |
| Mini Clubman S Station Wagon | $976 | $81 |
| Mini Clubman John Cooper Works Station Wagon | $1,020 | $85 |
Rates assume 2010 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 | $198 | $244 | $478 | $1,078 |
| 2010 Mini Clubman | $168 | $182 | $468 | $976 |
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
Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the ideas that were touched on above.
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $328 a month if full coverage is included
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,110 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $225 each year
- You may be able to save up to $110 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,930 |
| 20 | $2,212 |
| 30 | $992 |
| 40 | $976 |
| 50 | $896 |
| 60 | $876 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,124 |
| $250 | $1,056 |
| $500 | $976 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $976 |
| 50/100 | $1,114 |
| 100/300 | $1,231 |
| 250/500 | $1,535 |
| 100 CSL | $1,160 |
| 300 CSL | $1,418 |
| 500 CSL | $1,605 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,524 |
| 20 | $3,522 |
| 30 | $2,102 |
| 40 | $2,088 |
| 50 | $1,996 |
| 60 | $1,974 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $65 |
| Total Discounts | $376 |
Discounts are estimated and may not be available from every company or in every state.
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