Mini Clubman Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated auto insurance rates for a Mini Clubman are $1,038 annually with full coverage. Comprehensive costs around $184 a year, collision costs $222, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,226. Teen drivers pay the most at $4,136 a year or more.

Average premium for full coverage: $1,038

Premium estimates for type of coverage:

Comprehensive $184
Collision $222
Liability $474

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Clubman trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Mini Clubman go from as cheap as $522 for basic liability insurance to a high of $2,226 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,038
High Risk $2,226

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

These rate differences demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of 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.

Rate Comparisons

The chart below details estimated Mini Clubman insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $631
  • Choosing higher $1,000 deductibles can save about $946 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,038
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,214
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,226 or more
  • An auto insurance policy with full coverage for a teen driver can be $4,136 each year

View Chart as Image

Mini Clubman insurance cost comparison chart
Column chart showing full coverage Mini Clubman insurance rates range from $631 to $4,136

Insurance prices for a Mini Clubman also have a wide range based on the model of your Clubman, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $270 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Mini Clubman insurance prices. A good driver about age 40 could pay as low as $750 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,400 on average in Florida, Michigan, and New York.

Mini Clubman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $940 -$98 -9.4%
Alaska $796 -$242 -23.3%
Arizona $860 -$178 -17.1%
Arkansas $1,038 -$0 0.0%
California $1,184 $146 14.1%
Colorado $992 -$46 -4.4%
Connecticut $1,068 $30 2.9%
Delaware $1,176 $138 13.3%
Florida $1,300 $262 25.2%
Georgia $958 -$80 -7.7%
Hawaii $746 -$292 -28.1%
Idaho $700 -$338 -32.6%
Illinois $774 -$264 -25.4%
Indiana $780 -$258 -24.9%
Iowa $700 -$338 -32.6%
Kansas $988 -$50 -4.8%
Kentucky $1,416 $378 36.4%
Louisiana $1,536 $498 48.0%
Maine $642 -$396 -38.2%
Maryland $856 -$182 -17.5%
Massachusetts $832 -$206 -19.8%
Michigan $1,804 $766 73.8%
Minnesota $868 -$170 -16.4%
Mississippi $1,242 $204 19.7%
Missouri $922 -$116 -11.2%
Montana $1,116 $78 7.5%
Nebraska $818 -$220 -21.2%
Nevada $1,244 $206 19.8%
New Hampshire $746 -$292 -28.1%
New Jersey $1,160 $122 11.8%
New Mexico $920 -$118 -11.4%
New York $1,094 $56 5.4%
North Carolina $598 -$440 -42.4%
North Dakota $850 -$188 -18.1%
Ohio $716 -$322 -31.0%
Oklahoma $1,066 $28 2.7%
Oregon $950 -$88 -8.5%
Pennsylvania $992 -$46 -4.4%
Rhode Island $1,384 $346 33.3%
South Carolina $940 -$98 -9.4%
South Dakota $878 -$160 -15.4%
Tennessee $908 -$130 -12.5%
Texas $1,252 $214 20.6%
Utah $768 -$270 -26.0%
Vermont $712 -$326 -31.4%
Virginia $622 -$416 -40.1%
Washington $804 -$234 -22.5%
West Virginia $950 -$88 -8.5%
Wisconsin $720 -$318 -30.6%
Wyoming $926 -$112 -10.8%

View Chart as Image

Mini Clubman insurance rates by U.S. city

With such a large range in prices, the best way to find out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and prices will be substantially different between companies.

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 $998 $83
Mini Clubman S Station Wagon $1,038 $87
Mini Clubman John Cooper Works Station Wagon $1,092 $91

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 $220 $288 $474 $1,140
2010 Mini Clubman $184 $222 $474 $1,038

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 Cheap Mini Clubman Insurance

Finding better rates on car insurance takes being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct companies, and also from local exclusive and independent agents.

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

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,190 more every year to insure their Clubman
  • Teen drivers are charged the highest prices, possibly costing $345 per month if they have full coverage
  • You may be able to save up to $120 per year simply by quoting early and online
  • Increasing policy deductibles could save up to $275 each year
  • You may be able to save up to $120 per year simply by quoting early and online

Rates by Driver Age

Mini Clubman Insurance Rates by Driver Age
Driver Age Premium
16 $4,136
20 $2,358
30 $1,058
40 $1,038
50 $952
60 $932

Full coverage, $500 deductibles

Rates by Deductible

Mini Clubman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,134
$500 $1,038
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Mini Clubman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,187
100/300 $1,305
250/500 $1,613
100 CSL $1,234
300 CSL $1,495
500 CSL $1,685

Full coverage, driver age 40

Rates for High Risk Drivers

Mini Clubman Insurance Rates for High Risk Drivers
Age Premium
16 $5,828
20 $3,758
30 $2,246
40 $2,226
50 $2,128
60 $2,104

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 $137

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $45
Online Quote $70
Total Discounts $407
Rate after discounts $631

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles