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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Estimated insurance prices for a Mini Clubman are $976 every 12 months for full coverage. Comprehensive insurance costs approximately $168 each year, collision costs $182, and liability insurance is $468. A policy with only liability insurance costs around $518 a year, with a high-risk policy costing $2,088 or more. Teenage drivers pay the most at $3,930 a year or more.
Average premium for full coverage: $976
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Clubman models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mini Clubman go from the cheapest price of $518 for basic liability insurance to a high rate of $2,088 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance prices.
These rate differences show why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.
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.
Rate Comparisons
The chart below shows estimated Mini Clubman insurance rates for additional coverage and risk scenarios.
- The best discount rate is $600
- Raising to $1,000 deductibles will save $80 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $976
- Using low deductibles costs an extra $148 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,088 or more
- An auto insurance policy to insure a teen driver can cost $3,930
Car insurance prices for a Mini Clubman also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Clubman.
Using high physical damage deductibles can reduce prices by up to $230 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $421 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 126% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Mini Clubman insurance rates. A middle-age driver might find prices as low as $650 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.
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 Shop for Affordable Mini Clubman Insurance
Finding better rates on Mini Clubman insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a brief review of the data that was covered in the charts and tables above.
- Drivers can save around $110 per year simply by quoting online in advance
- Drivers who purchase increased liability limits will pay an extra $520 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $328 per month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,110 more per year to insure a Mini Clubman
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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