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 prices for a Mini Clubman are $1,008 every 12 months with full coverage. Comprehensive insurance costs on average $174 a year, collision insurance costs $202, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, and a high-risk policy costs $2,156 or more. 16-year-old drivers pay the most at up to $4,040 a year.
Average premium for full coverage: $1,008
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Clubman trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mini Clubman range from the cheapest price of $522 for just liability insurance to a high of $2,156 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of using 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.
More Rate Details
The chart below details average Mini Clubman insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $615
- Drivers who choose higher $1,000 deductibles will pay around $922 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,008
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $160 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,156
- An auto insurance policy to insure a teen driver may cost $4,040 a year
Car insurance prices for a Mini Clubman also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Clubman.
Opting for high physical damage deductibles could save up to $250 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Mini Clubman insurance prices. A 40-year-old driver could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or at least $1,360 on average in Florida, Michigan, and New York.
| 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% |
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 Shop for Cheap Mini Clubman Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around once a year by requesting rates from direct companies, and also from local exclusive and independent agents.
The items below are a brief summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $110 per year just by quoting early and online
- Policyholders who require more liability coverage will pay around $520 every year to go from 30/60 bodily injury limits to a 250/500 level
- Teen drivers are expensive to insure, possibly costing $337 per month if the policy includes full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,150 more each 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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