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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Average insurance rates for a Mini Clubman are $976 a year for full coverage. Comprehensive costs an estimated $168, collision insurance costs $182, and liability insurance costs around $468. A liability-only policy costs as low as $518 a year, and high-risk insurance costs around $2,088. Teen drivers receive the highest rates at up to $3,930 a year.
Average premium for full coverage: $976
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Clubman trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $518 for just the minimum liability insurance to a much higher rate of $2,088 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on price 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 Rate Analysis
The chart below shows average Mini Clubman insurance rates for other coverage scenarios.
- The lowest rate with discounts is $600
- Using higher $1,000 deductibles will save approximately $80 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $976
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,124
- Drivers with multiple violations and an at-fault accident could pay up to $2,088
- The cost that insures a teen driver with full coverage can cost as much as $3,930 or more
Insurance rates for a Mini Clubman can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be anywhere from 41% to 126% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age
Where you live has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see rates as low as $650 a year in states like Iowa, Maine, and Idaho, or 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% |
Choosing high deductibles could cut rates by as much as $230 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $421 more per year. View Rates by Deductible or Liability Limit
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 Find Low Cost Mini Clubman Insurance
Saving money on Mini Clubman insurance requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a review of the car insurance concepts covered above.
- High-risk drivers who have several accidents or serious violations may pay on average $1,110 more annually to insure a Mini Clubman
- Drivers can save approximately $110 per year just by shopping early and online
- Increasing deductibles can save approximately $225 each year
- Drivers who want increased liability limits will pay about $520 each year to increase from a minimum limit to the 250/500 level
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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