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, collision costs $182, and liability costs around $468. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing around $2,088. 16-year-old drivers pay the highest rates at $3,930 a year or more.
Average premium for full coverage: $976
Price estimates by individual coverage:
Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Clubman models.
Price Range from Low to High
For the normal driver, Mini Clubman insurance prices go from the cheapest price of $518 for just the minimum liability insurance to the much higher price of $2,088 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than congested cities.
The example below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below illustrates estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $600
- Using higher $1,000 deductibles will save around $80 each year
- The average price for the average middle-age driver with $500 deductibles is $976
- Buying pricier low deductibles for physical damage coverage increases the price to $1,124
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,088 or more
- The price to insure a 16-year-old driver for full coverage may cost $3,930 or more
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.
Opting for high physical damage deductibles could cut prices by as much as $230 annually, whereas buying more liability protection 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 each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared 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 additional each year, depending on your age. Mini Clubman insurance for high-risk drivers can be from 41% to 126% more than the average rate. 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 $640 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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 regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and 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 Cheapest Mini Clubman Insurance
Getting lower rates on insurance for a Mini Clubman requires being safe and accident-free, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a recap of the material that was presented in the illustrations above.
- Insureds who require more liability protection will pay around $520 annually to increase from a low limit to a 250/500 level
- Youthful drivers pay higher prices, as much as $328 a month if full coverage is included
- Drivers considered higher risk that have major violations or accidents pay on average $1,110 more each year than a low-risk driver
- Increasing physical damage deductibles could save as much as $225 each year
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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