Mini Clubman Insurance Rates
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UPDATED: Apr 2, 2020
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The average insurance rates for a Mini Clubman are $1,156 a year including full coverage. Comprehensive insurance costs around $224, collision insurance costs $310, and liability insurance costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs $2,484 or more. Teens cost the most to insure at up to $4,492 a year.
Average premium for full coverage: $1,156
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Clubman trim levels.
Price Range Variability
For a driver around age 40, Mini Clubman insurance rates range from the low end price of $514 for a discount liability-only rate to a much higher rate of $2,484 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down average Mini Clubman insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $691
- Using higher $1,000 deductibles will save about $122 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,156
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $232 a year
- Drivers with serious driving violations could pay at least $2,484
- Policy cost that insures a teen driver with full coverage can be $4,492 or more
Insurance rates for a Mini Clubman also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,400 a year. View Rates by Age
Your home state has a huge impact on Mini Clubman insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,650 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,318 | $162 | 14.0% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,190 | $34 | 2.9% |
| Delaware | $1,310 | $154 | 13.3% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,068 | -$88 | -7.6% |
| Hawaii | $832 | -$324 | -28.0% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $872 | -$284 | -24.6% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,100 | -$56 | -4.8% |
| Kentucky | $1,578 | $422 | 36.5% |
| Louisiana | $1,712 | $556 | 48.1% |
| Maine | $712 | -$444 | -38.4% |
| Maryland | $956 | -$200 | -17.3% |
| Massachusetts | $928 | -$228 | -19.7% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $966 | -$190 | -16.4% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,242 | $86 | 7.4% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $832 | -$324 | -28.0% |
| New Jersey | $1,292 | $136 | 11.8% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $668 | -$488 | -42.2% |
| North Dakota | $948 | -$208 | -18.0% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,544 | $388 | 33.6% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $976 | -$180 | -15.6% |
| Tennessee | $1,012 | -$144 | -12.5% |
| Texas | $1,394 | $238 | 20.6% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $794 | -$362 | -31.3% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $802 | -$354 | -30.6% |
| Wyoming | $1,032 | -$124 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mini Clubman Station Wagon | $1,100 | $92 |
| Mini Clubman S Station Wagon | $1,156 | $96 |
| Mini Clubman John Cooper Works Station Wagon | $1,228 | $102 |
Rates assume 2013 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 | $224 | $310 | $464 | $1,156 |
| 2010 Mini Clubman | $198 | $244 | $478 | $1,078 |
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 More Affordable Mini Clubman Insurance
Finding cheaper rates on Mini Clubman insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every couple of years by requesting rates from direct car insurance companies, and also from local insurance agencies.
The following items are a summary of the material that was covered above.
- Drivers who may need additional liability coverage will pay approximately $510 per year to increase from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $374 each month if full coverage is included
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,330 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,492 |
| 20 | $2,634 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,388 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,321 |
| 100/300 | $1,437 |
| 250/500 | $1,738 |
| 100 CSL | $1,367 |
| 300 CSL | $1,622 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,358 |
| 20 | $4,196 |
| 30 | $2,518 |
| 40 | $2,484 |
| 50 | $2,372 |
| 60 | $2,348 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $80 |
| Total Discounts | $465 |
Discounts are estimated and may not be available from every company or in every state.
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