Mini Clubman Insurance Rates

The average insurance prices for a Mini Clubman are $1,140 every 12 months for full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,446. Teens cost the most to insure at $4,446 a year or more.

Average premium for full coverage: $1,140

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Clubman trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Mini Clubman insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $684
• Choosing higher $1,000 deductibles can save approximately $1,024 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,140
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,360
• High-risk insureds with serious driving violations could pay up to $2,446 or more
• Policy cost to insure a teen driver can cost as much as $4,446 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, while buying higher liability limits will increase premiums. 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

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,400 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 $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 127% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mini Clubman insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheap Mini Clubman Insurance

Finding cheaper rates on Mini Clubman insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a brief summary of the concepts that were presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,310 more annually than a safer driver
• Drivers age 16 to 20 are charged the highest rates, costing up to $371 each month if they have full coverage
• Drivers can save approximately $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers can save approximately $130 per year simply by quoting early and online