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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U.S. average insurance rates for a Mini Clubman are $1,008 a year including full coverage. Comprehensive insurance costs an estimated $174 each year, collision insurance costs $202, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,156 or more. Teen drivers pay the highest rates at up to $4,040 a year.
Average premium for full coverage: $1,008
Price estimates broken down by individual coverage:
Rates are based on $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Clubman models.
Price Range from Low to High
Using a 40-year-old driver as an example, Mini Clubman insurance prices range from as low as $522 for basic liability insurance to a high rate of $2,156 for high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should compare prices for a targeted area and risk profile, instead of using 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.
Rate Comparisons
The chart below breaks down average Mini Clubman insurance rates for other coverage scenarios.
- The lowest rate with discounts is $615
- Using higher $1,000 deductibles will save approximately $86 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,008
- Choosing low deductibles for physical damage coverage will cost an extra $160 every year
- Drivers with multiple violations and an at-fault accident could pay up to $2,156
- The price for full coverage for a teen driver can cost as much as $4,040 or more
Insurance prices for a Mini Clubman are also quite variable based on your driving record, the model of your Clubman, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age
The state you live in has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see prices 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.
| 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% |
Choosing high deductibles could cut prices by as much as $250 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates
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 Find the Best Cheap Mini Clubman Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following is a quick review of the material that was raised in the charts and tables above.
- Policyholders who want higher liability limits will pay about $520 per year to increase from a low limit to 250/500 limits
- Teens are charged the highest prices, possibly costing $337 a month for full coverage
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,150 more annually for Clubman insurance
- Increasing physical damage deductibles can save around $250 each year
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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