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 $976 annually including full coverage. Comprehensive insurance costs an estimated $168, collision insurance costs $182, and liability is estimated at $468. A liability-only policy costs approximately $518 a year, and high-risk insurance costs $2,088 or more. 16-year-old 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:
Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Clubman models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $518 for a discount liability-only rate to the much higher price of $2,088 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below breaks down average Mini Clubman insurance rates for other coverage scenarios.
- The best full coverage rate is $600
- Choosing higher $1,000 deductibles can save approximately $80 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $976
- Buying pricier low deductibles for comp and collision coverage costs an additional $148 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,088
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $3,930 each year
Insurance rates for a Mini Clubman can also vary considerably based on the trim level of your Clubman, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,100 to $1,600 extra per year, depending on your age. Mini Clubman insurance for high-risk drivers ranges from 41% to 126% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $230 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Mini Clubman insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,390 on average in Louisiana, New York, 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% |
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 Buy More Affordable Mini Clubman Insurance
Saving money on insurance for a Mini Clubman takes being a low-risk driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The items below are a summary of the data that was covered above.
- You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
- Insureds who want more liability coverage will pay around $520 per year to raise limits from a minimum limit to higher 250/500 limits
- Teen drivers are charged the highest rates, as much as $328 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,110 more annually to insure their 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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