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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Average auto insurance rates for a Mini Clubman are $976 annually for full coverage. Comprehensive costs an estimated $168 a year, collision costs $182, and liability insurance costs $468. Liability-only coverage costs as little as $518 a year, with high-risk coverage costing around $2,088. Teens receive the highest rates at $3,930 a year or more.
Average premium for full coverage: $976
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Clubman trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $518 for a discount liability-only rate to a high of $2,088 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These examples show why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Mini Clubman insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $600
- Drivers who choose higher $1,000 deductibles will pay approximately $896 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $976
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,124
- High risk drivers with serious driving violations could pay up to $2,088 or more
- The cost with full coverage for a teen driver can cost as much as $3,930 a year
Car insurance rates for a Mini Clubman can also vary considerably based on the trim level of your Clubman, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 126% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $230 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Mini Clubman insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,390 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different between companies.
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 Buy the Right Mini Clubman Insurance
Saving money on Mini Clubman insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the car insurance concepts touched on in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,110 more annually than a low-risk driver
- Drivers can save approximately $110 per year simply by quoting early and online
- Increasing deductibles could save up to $225 each year
- Drivers who want more liability protection will pay approximately $520 each year to go from a minimum limit to higher 250/500 limits
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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