Mini Clubman Insurance Rates

The average insurance rates for a Mini Clubman are $1,008 a year for full coverage. Comprehensive insurance costs on average $174, collision costs $202, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,156 or more. Teenage drivers cost the most to insure at $4,040 a year or more.

Average premium for full coverage: $1,008

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Clubman trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.

• The best discount rate is $615
• Choosing higher $1,000 deductibles can save around $86 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,008
• Using more expensive low deductibles for comp and collision coverage will cost an extra $160 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,156 or more
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,040 each year

View Chart as Image

Insurance rates for a Mini Clubman also range considerably based on your risk profile, the trim level of your Clubman, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,440 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $250 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Mini Clubman Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The list below is a brief recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $110 per year simply by shopping early and online
• Drivers who tend to receive serious violations will pay on average $1,150 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Teenagers pay higher rates, costing up to $337 each month including comprehensive and collision insurance