Mini Clubman Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance prices for a Mini Clubman are $1,008 every 12 months for full coverage. Comprehensive insurance costs around $174, collision costs $202, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,156 or more. 16-year-old drivers cost the most to insure at $4,040 a year or more.

Average premium for full coverage: $1,008

Policy rates for type of insurance:

Comprehensive $174
Collision $202
Liability $474

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Clubman models.

Price Range Variability

Using a 40-year-old driver as an example, Mini Clubman insurance rates go from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,156 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The examples above show why everyone should compare prices for a specific zip code and their own driving history, instead of using rate 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.

Additional Rate Information

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

  • The best full coverage rate is $615
  • Using higher $1,000 deductibles will save about $86 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,008
  • Buying pricier low deductibles for physical damage coverage costs an extra $160 every year
  • Drivers with multiple tickets or accidents could pay at least $2,156 or more
  • Policy cost to insure a teen driver for full coverage can be $4,040 or more

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

Opting for high physical damage deductibles could cut rates by as much as $250 every year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. Mini Clubman insurance for high-risk drivers can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Mini Clubman insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or at least $1,440 on average in Michigan, Louisiana, and New York.

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

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied.

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 Shop for the Right Mini Clubman Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a quick rundown of the data raised in the charts and tables above.

  • Policyholders who may need higher liability limits will pay around $520 each year to increase from a 30/60 limit to a 250/500 level
  • Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • Teenagers pay higher rates, costing up to $337 each month if they have full coverage

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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