Mini Clubman Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 5, 2023
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The average auto insurance rates for a Mini Clubman are $1,008 annually including full coverage. Comprehensive insurance costs on average $174 each year, collision costs $202, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,156 or more. Teen drivers cost the most to insure at $4,040 a year or more.
Average premium for full coverage: $1,008
Policy rates by type of insurance:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Clubman models.
Price Range Variability
For a driver around age 40, Mini Clubman insurance rates go from as cheap as $522 for your basic liability-only policy to a high rate of $2,156 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using 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.
More Rate Information
The chart below breaks down estimated Mini Clubman insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $615
- Choosing higher $1,000 deductibles can save around $86 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,008
- Choosing low deductibles for comp and collision coverage costs an additional $160 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,156 or more
- Policy cost with full coverage for a teenage driver may cost $4,040 each year
Insurance rates for a Mini Clubman also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $250 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,440 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied between companies.
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 Buy Cheap Mini Clubman Insurance
Finding cheaper rates on auto insurance takes being a good driver, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief summary of the data covered above.
- Consumers who require an increased level of liability coverage will pay about $520 per year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save as much as $110 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $250 each year
- Drivers age 16 to 20 pay the highest rates, with premiums being up to $337 each month including comprehensive and collision insurance
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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