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, collision costs $182, and liability coverage costs $468. Liability-only coverage costs as little as $518 a year, with high-risk coverage 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:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Clubman models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mini Clubman go from the low end price of $518 for liability-only coverage to the much higher price of $2,088 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences show why everyone should compare rates based on a specific location, 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 Charts and Tables
The chart below shows estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The best discount rate is $600
- Drivers who choose higher $1,000 deductibles will pay around $80 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $976
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,124
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,088 or more
- An auto insurance policy that insures a teenage driver for full coverage may cost $3,930 a year
Insurance prices for a Mini Clubman also have a wide range based on the model of your Clubman, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 extra annually, depending on your age. Mini Clubman insurance for high-risk drivers can cost around 41% to 126% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age
Where you choose to live makes a big difference in Mini Clubman insurance rates. A 40-year-old driver could pay 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 could save up to $230 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $421 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially different.
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 the Best Mini Clubman Insurance
Finding better rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a brief recap of the car insurance concepts touched on in the above illustrations.
- Drivers who tend to receive serious violations may pay on average $1,110 more each year to insure their Clubman
- Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $225 each year
- Consumers who require more liability coverage will pay an extra $520 each year to go from 30/60 bodily injury limits to the 250/500 level
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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