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 rates for a Mini Clubman are $976 a year with full coverage. Comprehensive costs around $168 a year, collision costs $182, and liability insurance is estimated at $468. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing around $2,088. 16-year-old drivers pay the highest rates at $3,930 a year or more.
Average premium for full coverage: $976
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Clubman trim levels.
Price Range from Low to High
For the normal driver, Mini Clubman insurance prices go from the low end price of $518 for just liability insurance to a high of $2,088 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code, rather than relying on 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.
More Rate Details
The chart below details estimated Mini Clubman insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $600
- Choosing higher $1,000 deductibles can save about $896 annually
- The estimated price for the average middle-age driver using $500 deductibles is $976
- Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,124
- High-risk insureds with multiple tickets or accidents could pay at least $2,088 or more
- The price that insures a teen driver can be $3,930 each year
Insurance prices for a Mini Clubman are also quite variable based on the trim level of your Clubman, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 126% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,900 a year. View Rates by Age
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 $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,320 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $230 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $421 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different.
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 Find Cheaper Mini Clubman Insurance
Getting lower rates on Mini Clubman insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the data presented in the illustrations above.
- Drivers who may need more liability protection will pay around $520 every year to raise limits from a low limit to the 250/500 level
- You may be able to save up to $110 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $225 each year
- Youthful drivers pay higher prices, costing up to $328 a month if full coverage is included
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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