Mini Clubman Insurance Rates

U.S. average insurance rates for a Mini Clubman are $976 a year with full coverage. Comprehensive insurance costs approximately $168, collision costs $182, and liability coverage costs around $468. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $2,088 or more. Teens pay the highest rates at $3,930 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Clubman trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Mini Clubman insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $600
• Using higher $1,000 deductibles will save $80 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $148 each year
• Higher-risk drivers with serious driving violations could pay around $2,088 or more
• The price that insures a teenage driver with full coverage can cost $3,930 or more

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Car insurance prices for a Mini Clubman are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can be around 41% to 126% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

The state you live in has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,320 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $230 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Mini Clubman Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The list below is a brief summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $110 per year simply by shopping early and online
• Drivers that tend to have accidents or serious violations may have to pay on average $1,110 more per year for car insurance
• Increasing physical damage deductibles can save approximately $225 each year
• Teenagers pay the highest auto insurance prices, costing up to $328 a month if full coverage is purchased