Mini Clubman Insurance Rates

The average auto insurance rates for a Mini Clubman are $1,008 annually for full coverage. Comprehensive insurance costs approximately $174, collision insurance costs $202, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,156 or more. Teenage drivers cost the most to insure at up to $4,040 a year.

Average premium for full coverage: $1,008

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Clubman models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $615
• Choosing higher $1,000 deductibles can save $86 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,008
• Using pricier low deductibles for comp and collision coverage costs an additional $160 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,156
• Policy cost with full coverage for a teen driver for full coverage can cost $4,040 each year

View Chart as Image

Insurance rates for a Mini Clubman also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark 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 could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Mini Clubman insurance for high-risk drivers ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 every year, whereas buying more liability protection will push rates upward. Going 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 prices. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Buy the Best Mini Clubman Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations pay on average $1,150 more per year to insure their Clubman
• Teen drivers are expensive to insure, costing up to $337 each month including comprehensive and collision insurance
• Drivers can save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Drivers can save around $110 per year just by quoting online well ahead of the renewal date