Mini Clubman Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance rates for a Mini Clubman are $1,008 a year for full coverage insurance. Comprehensive insurance costs on average $174, collision costs $202, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,156 or more. 16-year-old 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:

Comprehensive $174
Collision $202
Liability $474

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Clubman trim levels.

Price Range Variability

For an average driver, Mini Clubman insurance rates go from as low as $522 for liability-only coverage to a much higher rate of $2,156 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,008
High Risk $2,156

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $756
Small Cities $1,058
Large Cities $1,361

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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.

Additional Charts and Tables

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

  • The best full coverage rate is $615
  • Using higher $1,000 deductibles will save around $86 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,008
  • Buying more expensive low deductibles for physical damage coverage will cost an extra $160 annually
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,156 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,040 or more

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance prices range from $615 to $4,040

Car insurance rates for a Mini Clubman also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,000 a year. View Rates by Age

Your home state has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,360 on average in Michigan, New York, and Florida.

Mini Clubman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $910 -$98 -9.7%
Alaska $770 -$238 -23.6%
Arizona $836 -$172 -17.1%
Arkansas $1,008 -$0 0.0%
California $1,148 $140 13.9%
Colorado $962 -$46 -4.6%
Connecticut $1,036 $28 2.8%
Delaware $1,140 $132 13.1%
Florida $1,260 $252 25.0%
Georgia $928 -$80 -7.9%
Hawaii $724 -$284 -28.2%
Idaho $680 -$328 -32.5%
Illinois $750 -$258 -25.6%
Indiana $756 -$252 -25.0%
Iowa $678 -$330 -32.7%
Kansas $958 -$50 -5.0%
Kentucky $1,374 $366 36.3%
Louisiana $1,490 $482 47.8%
Maine $620 -$388 -38.5%
Maryland $828 -$180 -17.9%
Massachusetts $806 -$202 -20.0%
Michigan $1,748 $740 73.4%
Minnesota $842 -$166 -16.5%
Mississippi $1,206 $198 19.6%
Missouri $894 -$114 -11.3%
Montana $1,082 $74 7.3%
Nebraska $794 -$214 -21.2%
Nevada $1,208 $200 19.8%
New Hampshire $724 -$284 -28.2%
New Jersey $1,126 $118 11.7%
New Mexico $892 -$116 -11.5%
New York $1,060 $52 5.2%
North Carolina $580 -$428 -42.5%
North Dakota $826 -$182 -18.1%
Ohio $696 -$312 -31.0%
Oklahoma $1,036 $28 2.8%
Oregon $922 -$86 -8.5%
Pennsylvania $962 -$46 -4.6%
Rhode Island $1,342 $334 33.1%
South Carolina $910 -$98 -9.7%
South Dakota $850 -$158 -15.7%
Tennessee $882 -$126 -12.5%
Texas $1,214 $206 20.4%
Utah $746 -$262 -26.0%
Vermont $690 -$318 -31.5%
Virginia $604 -$404 -40.1%
Washington $780 -$228 -22.6%
West Virginia $922 -$86 -8.5%
Wisconsin $698 -$310 -30.8%
Wyoming $898 -$110 -10.9%

View Chart as Image

Mini Clubman insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $250 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be from 42% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Mini Clubman Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mini Clubman Station Wagon $970 $81
Mini Clubman S Station Wagon $1,008 $84
Mini Clubman John Cooper Works Station Wagon $1,056 $88

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.

Mini Clubman Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Mini Clubman $202 $268 $474 $1,102
2010 Mini Clubman $174 $202 $474 $1,008

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 Find the Right Mini Clubman Insurance

Finding cheaper rates on insurance for a Mini Clubman requires being a safe and courteous driver, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the ideas that were covered in the above illustrations.

  • Teenage drivers are expensive to insure, possibly costing $337 each month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,150 more each year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • It is possible to save as much as $110 per year simply by shopping early and online

Rates by Driver Age

Mini Clubman Insurance Rates by Driver Age
Driver Age Premium
16 $4,040
20 $2,286
30 $1,024
40 $1,008
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,094
$500 $1,008
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,008
50/100 $1,151
100/300 $1,269
250/500 $1,577
100 CSL $1,198
300 CSL $1,459
500 CSL $1,649

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Clubman Insurance Rates for High Risk Drivers
Age Premium
16 $5,684
20 $3,644
30 $2,174
40 $2,156
50 $2,062
60 $2,040

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.

SR-22 Surcharge $133

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $43
Online Quote $68
Total Discounts $393
Rate after discounts $615

Discounts are estimated and may not be available from every company or in every state.

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