Mini Clubman Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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Estimated insurance prices for a Mini Clubman are $976 every 12 months with full coverage. Comprehensive costs around $168, collision costs $182, and liability coverage costs $468. A policy with only liability insurance costs as little as $518 a year, with a high-risk policy costing around $2,088. Teen drivers pay the most at $3,930 a year or more.
Average premium for full coverage: $976
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Clubman trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mini Clubman go from the cheapest price of $518 for just liability insurance to a much higher rate of $2,088 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, 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 Details
The chart below details estimated Mini Clubman insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $600
- Drivers who choose higher $1,000 deductibles will pay about $80 annually
- The average price for a 40-year-old good driver using $500 deductibles is $976
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,124
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,088 or more
- An auto insurance policy to insure a teenage driver with full coverage can be $3,930 a year
Car insurance prices for a Mini Clubman also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $230 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $421 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance can cost around 41% to 126% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Mini Clubman insurance rates. A 40-year-old driver could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,320 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $884 | -$92 | -9.4% |
| Alaska | $750 | -$226 | -23.2% |
| Arizona | $810 | -$166 | -17.0% |
| Arkansas | $976 | -$0 | 0.0% |
| California | $1,112 | $136 | 13.9% |
| Colorado | $934 | -$42 | -4.3% |
| Connecticut | $1,004 | $28 | 2.9% |
| Delaware | $1,106 | $130 | 13.3% |
| Florida | $1,222 | $246 | 25.2% |
| Georgia | $900 | -$76 | -7.8% |
| Hawaii | $700 | -$276 | -28.3% |
| Idaho | $660 | -$316 | -32.4% |
| Illinois | $730 | -$246 | -25.2% |
| Indiana | $734 | -$242 | -24.8% |
| Iowa | $658 | -$318 | -32.6% |
| Kansas | $930 | -$46 | -4.7% |
| Kentucky | $1,332 | $356 | 36.5% |
| Louisiana | $1,444 | $468 | 48.0% |
| Maine | $604 | -$372 | -38.1% |
| Maryland | $804 | -$172 | -17.6% |
| Massachusetts | $780 | -$196 | -20.1% |
| Michigan | $1,696 | $720 | 73.8% |
| Minnesota | $816 | -$160 | -16.4% |
| Mississippi | $1,170 | $194 | 19.9% |
| Missouri | $864 | -$112 | -11.5% |
| Montana | $1,048 | $72 | 7.4% |
| Nebraska | $770 | -$206 | -21.1% |
| Nevada | $1,172 | $196 | 20.1% |
| New Hampshire | $702 | -$274 | -28.1% |
| New Jersey | $1,092 | $116 | 11.9% |
| New Mexico | $864 | -$112 | -11.5% |
| New York | $1,028 | $52 | 5.3% |
| North Carolina | $562 | -$414 | -42.4% |
| North Dakota | $800 | -$176 | -18.0% |
| Ohio | $676 | -$300 | -30.7% |
| Oklahoma | $1,002 | $26 | 2.7% |
| Oregon | $894 | -$82 | -8.4% |
| Pennsylvania | $930 | -$46 | -4.7% |
| Rhode Island | $1,304 | $328 | 33.6% |
| South Carolina | $884 | -$92 | -9.4% |
| South Dakota | $826 | -$150 | -15.4% |
| Tennessee | $854 | -$122 | -12.5% |
| Texas | $1,176 | $200 | 20.5% |
| Utah | $722 | -$254 | -26.0% |
| Vermont | $668 | -$308 | -31.6% |
| Virginia | $584 | -$392 | -40.2% |
| Washington | $756 | -$220 | -22.5% |
| West Virginia | $894 | -$82 | -8.4% |
| Wisconsin | $676 | -$300 | -30.7% |
| Wyoming | $872 | -$104 | -10.7% |
With such a large range in prices, the best way to find out your exact price is to compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $940 | $78 |
| Mini Clubman S Station Wagon | $976 | $81 |
| Mini Clubman John Cooper Works Station Wagon | $1,020 | $85 |
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 | $198 | $244 | $478 | $1,078 |
| 2010 Mini Clubman | $168 | $182 | $468 | $976 |
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 Shop for the Best Cheap Mini Clubman Insurance
Finding better rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least every other year by requesting quotes from direct companies, and also from several local insurance agents.
The following list is a quick review of the car insurance concepts raised in the charts and tables above.
- Drivers with a DUI or reckless driving violation pay on average $1,110 more every year than a safer driver
- You may be able to save up to $110 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $225 each year
- Consumers who may need an increased level of liability coverage will pay about $520 every year to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,930 |
| 20 | $2,212 |
| 30 | $992 |
| 40 | $976 |
| 50 | $896 |
| 60 | $876 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,124 |
| $250 | $1,056 |
| $500 | $976 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $976 |
| 50/100 | $1,114 |
| 100/300 | $1,231 |
| 250/500 | $1,535 |
| 100 CSL | $1,160 |
| 300 CSL | $1,418 |
| 500 CSL | $1,605 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,524 |
| 20 | $3,522 |
| 30 | $2,102 |
| 40 | $2,088 |
| 50 | $1,996 |
| 60 | $1,974 |
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 | $49 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $65 |
| Total Discounts | $376 |
Discounts are estimated and may not be available from every company or in every state.
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