Mini Clubman Insurance Rates

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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

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

Average premium for full coverage: $1,008

Price estimates by individual coverage:

Comprehensive $174
Collision $202
Liability $474

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Clubman models.

Price Range from Low to High

For an average driver, Mini Clubman insurance prices go from as low as $522 for just liability insurance 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

Your location has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

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

The ranges above illustrate why everyone should compare rates using their specific location and risk profile, rather than using 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.

More Rate Details

The chart below illustrates estimated Mini Clubman insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $615
  • Drivers who choose higher $1,000 deductibles will pay $86 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,008
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $160 each year
  • High-risk insureds with serious driving violations could pay around $2,156 or more
  • The price for full coverage for a teenage driver for full coverage can cost $4,040 a 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 year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in makes a big difference in Mini Clubman insurance rates. A 40-year-old driver could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, 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 higher comprehensive and collision insurance deductibles could save up to $250 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, and 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 Mini Clubman Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a brief recap of the coverage data covered in the above illustrations.

  • It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $250 each year
  • Teen drivers are the costliest to insure, as much as $337 a month including comprehensive and collision insurance
  • Drivers who tend to receive serious violations may pay on average $1,150 more per year to insure their Clubman

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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