Mini Clubman Insurance Rates

The average insurance rates for a Mini Clubman are $1,008 a year including full coverage. Comprehensive costs approximately $174, collision costs $202, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,156. Teen 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:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Clubman models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Mini Clubman insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $615
• Using higher $1,000 deductibles will save $86 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,008
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,168
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,156 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost $4,040 or more

View Chart as Image

Insurance rates for a Mini Clubman also range considerably based on your risk profile, the model of your Clubman, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,440 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $250 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Mini Clubman insurance for high-risk drivers can be around 42% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Mini Clubman Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief review of the primary concepts that were touched on in this article.

• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,150 more per year to insure their Clubman
• Increasing comprehensive and collision deductibles can save around $250 each year
• Teen drivers are the costliest to insure, with premiums being up to $337 each month including comprehensive and collision insurance