Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average auto insurance rates for a Mini Clubman are $1,008 annually including full coverage. Comprehensive insurance costs an estimated $174 a year, collision insurance costs $202, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,156 or more. Teens pay the highest rates at up to $4,040 a year.
Average premium for full coverage: $1,008
Price estimates broken down by individual coverage:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Clubman trim levels.
Price Range from Low to High
For an average driver, Mini Clubman insurance prices range from as cheap as $522 for liability-only coverage to a high of $2,156 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on 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 Charts and Tables
The chart below breaks down average Mini Clubman insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $615
- Drivers who choose higher $1,000 deductibles will pay approximately $922 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,008
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $160 annually
- Drivers with serious driving violations could pay up to $2,156
- The price with full coverage for a 16-year-old driver can cost as much as $4,040 a year
Insurance prices for a Mini Clubman are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $250 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Mini Clubman insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,440 on average in Louisiana, New York, and Michigan.
| 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% |
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 Low Cost Mini Clubman Insurance
Getting lower rates on insurance for a Mini Clubman not only requires having a decent driving record, but also having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a review of the data that was covered in the above illustrations.
- You may be able to save approximately $110 per year just by quoting early and online
- Insureds who want additional liability coverage will pay approximately $520 per year to go from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, possibly costing $337 a month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,150 more annually than a driver with a clean driving record
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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