Mini Clubman Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Mini Clubman are $1,038 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $184, collision costs $222, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,226 or more. Teen drivers pay the highest rates at $4,136 a year or more.
Average premium for full coverage: $1,038
Price estimates by individual coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Clubman models.
Price Range from Low to High
For the average driver, Mini Clubman insurance prices go from the cheapest price of $522 for minimum levels of liability insurance to the much higher price of $2,226 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below illustrates estimated Mini Clubman insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $631
- Raising to $1,000 deductibles will save $92 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,038
- Choosing pricier low deductibles costs an extra $176 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,226 or more
- The price to insure a teen driver for full coverage can cost $4,136
Insurance prices for a Mini Clubman are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Clubman.
Choosing high deductibles can reduce prices by up to $270 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 extra each year, depending on your age. Mini Clubman insurance for high-risk drivers is expensive and can cost anywhere from 41% to 129% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Mini Clubman insurance rates. A middle-age driver might find prices as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,400 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Mini Clubman Insurance
Getting lower rates on Mini Clubman insurance consists of being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a recap of the primary concepts that were touched on above.
- It is possible to save around $120 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that have major violations or accidents may have to pay on average $1,190 more per year than a low-risk driver
- Increasing physical damage deductibles could save as much as $275 each year
- Youthful drivers are expensive to insure, as much as $345 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,214 |
| $250 | $1,134 |
| $500 | $1,038 |
| $1,000 | $946 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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