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 rates for a Mini Clubman are $976 a year for full coverage. Comprehensive costs on average $168 a year, collision costs $182, and liability coverage is $468. A policy with only liability insurance costs around $518 a year, with a high-risk policy costing around $2,088. Teenage drivers pay the most at $3,930 a year or more.
Average premium for full coverage: $976
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Clubman trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Mini Clubman go from as low as $518 for just the minimum liability insurance to a high 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 large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates the difference location can make on car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location and risk profile, rather than using 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.
Additional Rate Analysis
The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The best discount rate is $600
- Raising to $1,000 deductibles will save around $896 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $976
- Using low $100 deductibles will increase the cost to $1,124
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,088 or more
- An auto insurance policy for full coverage for a teenage driver may cost $3,930
Car insurance prices for a Mini Clubman also have a wide range based on your driving characteristics, the trim level of your Clubman, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $3,900 a year. View Rates by Age
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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,390 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $230 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $421 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 126% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
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 More Affordable Mini Clubman Insurance
Finding better rates on auto insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The list below is a summary of the data that was touched on in this article.
- Drivers can save as much as $110 per year simply by quoting early and online
- Consumers who require higher liability limits will pay an extra $520 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenagers are expensive to insure, as much as $328 per month if full coverage is included
- Drivers who have multiple accidents or major violations will pay on average $1,110 more each year for car insurance
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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