Mini Clubman Insurance Rates

The average insurance rates for a Mini Clubman are $1,008 a year for full coverage. Comprehensive insurance costs approximately $174, collision costs $202, and liability 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. 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 can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $615
• Choosing higher $1,000 deductibles can save $86 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,008
• Using more expensive low deductibles for comp and collision coverage will cost an additional $160 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,156 or more
• Policy cost that insures a teen driver with full coverage can cost $4,040 each year

View Chart as Image

Insurance rates for a Mini Clubman also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

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

View Chart as Image

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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 More Affordable Mini Clubman Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a summary of the information touched on above.

• Drivers can save around $110 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $337 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,150 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay an extra $520 each year to raise limits from a 30/60 limit to the 250/500 level