Mini Clubman Insurance Rates

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UPDATED: Jun 5, 2023

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

Average premium for full coverage: $1,008

Price estimates broken down by individual coverage:

Comprehensive $174
Collision $202
Liability $474

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Clubman models.

Price Range from Low to High

For the normal driver, Mini Clubman insurance prices go from as low as $522 for your basic liability-only policy to the much higher price of $2,156 for a policy for a high-risk driver.

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

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

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

The ranges above highlight why everyone should get quotes for a targeted area and risk profile, 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 Information

The chart below breaks down estimated Mini Clubman insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $615
  • Choosing higher $1,000 deductibles can save approximately $86 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,008
  • Choosing pricier low deductibles for comp and collision coverage will cost an extra $160 each year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,156 or more
  • The price for full coverage for a teenage driver for full coverage can cost as much as $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

Insurance prices for a Mini Clubman are also quite variable based on your driving record, the model of your Clubman, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,440 on average in Louisiana, New York, 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 high deductibles can save as much as $250 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,200 to $1,700 extra each year, depending on your age. Mini Clubman insurance for high-risk drivers ranges around 42% to 133% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices may be quite different from one company to the next.

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 Best Cheap Mini Clubman Insurance

Getting lower rates on auto insurance takes being a good driver, maintaining good credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a quick review of the coverage data presented in the illustrations above.

  • You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $250 each year
  • Drivers age 16 to 20 are charged the highest prices, possibly costing $337 a month for full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,150 more annually than a safer driver

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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