Mini Clubman Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance rates for a Mini Clubman are $1,008 a year for full coverage. Comprehensive insurance costs approximately $174 a year, collision costs $202, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,156 or more. Teens 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:

Comprehensive $174
Collision $202
Liability $474

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Clubman trim levels.

Price Range Variability

For the average 40-year-old driver, Mini Clubman insurance rates go from the low end price of $522 for the bare minimum liability coverage to a high of $2,156 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,008
High Risk $2,156

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $756
Small Cities $1,058
Large Cities $1,361

The examples above show why it is important to get quotes using their specific location, rather than using averaged prices.

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 Information

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

  • The cheapest rate after discounts is $615
  • Choosing higher $1,000 deductibles can save $922 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,008
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $160 each year
  • Drivers with serious driving violations could pay around $2,156 or more
  • Policy cost that insures a teenage driver can cost $4,040 each year

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance prices range from $615 to $4,040

Car insurance rates for a Mini Clubman also range considerably based on the trim level of your Clubman, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,000 a year. View Rates by Age

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 $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,440 on average in New York, Louisiana, and Michigan.

Mini Clubman Insurance Rates by State
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%

View Chart as Image

Mini Clubman insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Mini Clubman Insurance Rates by Model and Trim Level
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.

Mini Clubman Insurance Rates by Model Year
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 Find the Right Mini Clubman Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a quick rundown of the data that was touched on in this article.

  • Drivers can save around $110 per year simply by quoting early and online
  • Consumers who purchase additional liability coverage will pay approximately $520 each year to raise limits from a 30/60 limit to the 250/500 level
  • 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $337 each month if full coverage is purchased
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,150 more per year than a driver with a clean driving record

Rates by Driver Age

Mini Clubman Insurance 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

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,094
$500 $1,008
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
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

Mini Clubman Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $615

Discounts are estimated and may not be available from every company or in every state.

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