Mini Clubman Insurance Rates

Estimated insurance prices for a Mini Clubman are $1,008 every 12 months for full coverage insurance. Comprehensive costs an estimated $174 a year, collision costs $202, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing around $2,156. Teenage drivers pay the most at $4,040 a year or more.

Average premium for full coverage: $1,008

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Clubman trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below illustrates estimated Mini Clubman insurance rates for other coverage scenarios.

• The best discount rate is $615
• Drivers who choose higher $1,000 deductibles will pay approximately $922 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,008
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,168
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,156 or more
• An auto insurance policy to insure a teen driver can cost as much as $4,040 a year

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Car insurance prices for a Mini Clubman also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could save up to $250 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Mini Clubman insurance prices. A 40-year-old driver could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Shop for Cheap Mini Clubman Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,150 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $337 per month if the policy includes full coverage
• It is possible to save approximately $110 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $250 each year
• It is possible to save approximately $110 per year simply by quoting early and online