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 auto insurance rates for a Mini Clubman are $1,008 annually for full coverage insurance. Comprehensive insurance costs approximately $174, collision costs $202, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,156 or more. Teens receive the highest rates at $4,040 a year or more.
Average premium for full coverage: $1,008
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Clubman models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $522 for basic liability insurance to the much higher price of $2,156 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.
The example below illustrates how geographic area affects auto insurance prices.
These examples illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.
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 illustrates estimated Mini Clubman insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $615
- Raising to $1,000 deductibles will save $86 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,008
- Selecting pricier low deductibles costs an additional $160 annually
- Drivers with serious driving violations could pay around $2,156 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost $4,040
Insurance rates for a Mini Clubman can also vary considerably based on the trim level of your Clubman, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Mini Clubman insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mini Clubman insurance prices. A middle-age driver might find rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Best Mini Clubman Insurance
Saving money on insurance for a Mini Clubman consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The items below are a brief recap of the data that was presented in the illustrations above.
- It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
- Insureds who purchase more liability coverage will pay approximately $520 annually to raise from a minimum limit to higher 250/500 limits
- Teen drivers are expensive to insure, costing up to $337 per month including comprehensive and collision insurance
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,150 more per year to insure their Clubman
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,168 |
| $250 | $1,094 |
| $500 | $1,008 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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