Mini Clubman Insurance Rates

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UPDATED: Jun 5, 2023

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The average auto insurance rates for a Mini Clubman are $976 annually with full coverage. Comprehensive insurance costs approximately $168, collision costs $182, and liability costs around $468. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $2,088 or more. 16-year-old drivers cost the most to insure at $3,930 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Comprehensive $168
Collision $182
Liability $468

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Clubman models.

Price Range Variability

For the normal driver, Mini Clubman insurance rates go from as cheap as $518 for liability-only coverage to the much higher price of $2,088 for coverage for higher-risk drivers.

Liability Only $518
Full Coverage $976
High Risk $2,088

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $732
Small Cities $1,025
Large Cities $1,318

The examples above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based 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.

Additional Charts and Tables

The chart below details estimated Mini Clubman insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $600
  • Using higher $1,000 deductibles will save $80 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
  • Buying pricier low deductibles for physical damage coverage costs an additional $148 annually
  • High-risk insureds with multiple tickets or accidents could pay around $2,088 or more
  • Policy cost with full coverage for a 16-year-old driver for full coverage can cost $3,930 or more

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance prices range from $600 to $3,930

Auto insurance rates for a Mini Clubman also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Mini Clubman insurance for high-risk drivers can be from 41% to 126% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $230 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $421 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,320 on average in New York, Michigan, and Florida.

Mini Clubman Insurance Rates by State
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%

View Chart as Image

Mini Clubman insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

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 $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.

Mini Clubman Insurance Rates by Model Year
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 Buy Cheaper Mini Clubman Insurance

Finding cheaper rates on insurance for a Mini Clubman requires having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were presented in the illustrations above.

  • You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,110 more per year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • 16 to 18-year-old drivers have the highest car insurance rates, as much as $328 each month if full coverage is included

Rates by Driver Age

Mini Clubman Insurance 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

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,124
$250 $1,056
$500 $976
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
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

Mini Clubman Insurance 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.

SR-22 Surcharge $128

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
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

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