Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Mini Clubman are $1,140 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $220 each year, collision insurance costs $288, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,446 or more. Teenage drivers pay the highest rates at up to $4,446 a year.
Average premium for full coverage: $1,140
Price estimates broken down by individual coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Clubman models.
Price Range from Low to High
For the normal driver, Mini Clubman insurance prices range from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,446 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.
The ranges above illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of 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 Rate Details
The chart below illustrates average Mini Clubman insurance rates for other coverage scenarios.
- The best discount rate is $684
- Using higher $1,000 deductibles will save approximately $116 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,140
- Using low deductibles for physical damage coverage costs an extra $220 every year
- Drivers who are prone to accidents and violations could pay up to $2,446
- The price to insure a teen driver can cost as much as $4,446 or more
Car insurance prices for a Mini Clubman are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles could cut prices by as much as $340 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 127% more than a normal policy. View High Risk Driver Rates
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 $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,540 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,030 | -$110 | -9.6% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $946 | -$194 | -17.0% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,298 | $158 | 13.9% |
| Colorado | $1,090 | -$50 | -4.4% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,426 | $286 | 25.1% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $820 | -$320 | -28.1% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $858 | -$282 | -24.7% |
| Iowa | $768 | -$372 | -32.6% |
| Kansas | $1,084 | -$56 | -4.9% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $704 | -$436 | -38.2% |
| Maryland | $938 | -$202 | -17.7% |
| Massachusetts | $912 | -$228 | -20.0% |
| Michigan | $1,980 | $840 | 73.7% |
| Minnesota | $954 | -$186 | -16.3% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $898 | -$242 | -21.2% |
| Nevada | $1,366 | $226 | 19.8% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,272 | $132 | 11.6% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $934 | -$206 | -18.1% |
| Ohio | $788 | -$352 | -30.9% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,042 | -$98 | -8.6% |
| Pennsylvania | $1,088 | -$52 | -4.6% |
| Rhode Island | $1,518 | $378 | 33.2% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $882 | -$258 | -22.6% |
| West Virginia | $1,042 | -$98 | -8.6% |
| Wisconsin | $790 | -$350 | -30.7% |
| Wyoming | $1,016 | -$124 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $1,088 | $91 |
| Mini Clubman S Station Wagon | $1,140 | $95 |
| Mini Clubman John Cooper Works Station Wagon | $1,208 | $101 |
Rates assume 2013 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 | $220 | $288 | $474 | $1,140 |
| 2010 Mini Clubman | $184 | $222 | $474 | $1,038 |
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 the Cheapest Mini Clubman Insurance
Getting lower rates on car insurance requires being a good driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Invest the time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the car insurance concepts presented in the illustrations above.
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,310 more annually than a safer driver
- It is possible to save approximately $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $325 each year
- Policyholders who want an increased level of liability coverage will pay an extra $520 annually to increase from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,446 |
| 20 | $2,590 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,042 |
| 60 | $1,020 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,024 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,286 |
| 20 | $4,126 |
| 30 | $2,476 |
| 40 | $2,446 |
| 50 | $2,336 |
| 60 | $2,312 |
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 | $59 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $456 |
Discounts are estimated and may not be available from every company or in every state.
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