Mini Clubman Insurance Rates

U.S. average insurance rates for a Mini Clubman are $1,008 a year including full coverage. Comprehensive costs on average $174 each year, collision costs $202, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,156. Teenage drivers pay the highest rates at $4,040 a year or more.

Average premium for full coverage: $1,008

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Clubman models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Mini Clubman insurance rates for different risk profiles and scenarios.

• The best discount rate is $615
• Raising to $1,000 deductibles will save around $86 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,008
• Using low deductibles bumps up the cost to $1,168
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,156 or more
• The price that insures a teenage driver may cost $4,040

View Chart as Image

Insurance prices for a Mini Clubman are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,000 a year. View Rates by Age

The state you live in also has a big influence on Mini Clubman insurance rates. A middle-age driver might find prices as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $250 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices 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 More Affordable Mini Clubman Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a summary of the primary concepts that were covered in the above illustrations.

• You may be able to save as much as $110 per year simply by quoting online in advance
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,150 more each year for car insurance
• Increasing physical damage deductibles can save approximately $250 each year
• Teenagers pay higher prices, possibly costing $337 a month if comprehensive and collision insurance is included