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 prices for a Mini Clubman are $976 every 12 months for full coverage insurance. Comprehensive costs on average $168 a year, collision costs $182, and liability is estimated at $468. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing around $2,088. Teen drivers pay the highest rates at $3,930 a year or more.
Average premium for full coverage: $976
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Clubman trim levels.
Price Range from Low to High
For the average 40-year-old driver, Mini Clubman insurance prices go from the cheapest price of $518 for just the minimum liability insurance to a high of $2,088 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below illustrates estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $600
- Choosing higher $1,000 deductibles can save around $896 each year
- The average price for the average middle-age driver with $500 deductibles is $976
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,124
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,088 or more
- The price to insure a 16-year-old driver may cost $3,930 each year
Insurance prices for a Mini Clubman are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Clubman.
Choosing high deductibles can save as much as $230 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges from 41% to 126% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Mini Clubman insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,320 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the prices may be quite 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 Shop for the Best Cheap Mini Clubman Insurance
Getting lower rates on insurance for a Mini Clubman takes having a good driving record, having good credit, not filing small claims, and bundling your home and auto policies. Make time to compare rates every time your policy renews by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick review of the information touched on in this article.
- It is possible to save as much as $110 per year simply by quoting early and online
- Drivers age 20 and younger pay the highest prices, as much as $328 a month if they have full coverage
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,110 more each year to buy Mini Clubman insurance
- Insureds who require increased levels of liability coverage will pay about $520 annually to raise limits from a low limit to a 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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