Mini Cooper Clubman Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Mini Cooper Clubman than the average car.
• Full coverage for a Cooper Clubman typically tends to be around $142 per month, while liability only auto insurance rates average about $67 monthly.
• The cheapest car insurance company for a Cooper Clubman is Sun Coast, who offers Cooper Clubman owners premiums as low as just $33 per month.

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Cooper Clubman Overview

With a base price of just $27,400 for 2020 models, the Mini Cooper Clubman is a great car for drivers on a budget. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when thinking about your future insurance prices.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Mini Cooper Clubman insurance premiums average out to around $139 monthly. But how does that compare to other cars on the market?

How Much is Car Insurance for a Mini Cooper Clubman?

You can see in the table above that Mini Cooper Clubman insurance prices are less expensive than average. On average, Cooper Clubman drivers will pay about $67 a month for liability insurance, and around $142 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Cooper Clubman is in line with Mini's vehicle offerings. However, compared to other vehicles of a similar body style, Cooper Clubman coverage is more affordable than average, with both liability only and full coverage insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of make, body style, or model, the Cooper Clubman follows a similar pattern of having below average auto insurance premiums.

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Who has the Cheapest Car Insurance for a Mini Cooper Clubman?

If you're searching for a car insurance policy for a Mini Cooper Clubman, you might be wondering which carrier offers the most affordable prices. Although there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $31 a month from Aspire. The next lowest carrier is Sun Coast, who offers car insurance as cheap as just $33 a month.

Completing the top 5 carriers are MetroMile, Commonwealth Casualty, and Workmens. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance carriers use multiple variables and complex formulas to calculate rates. The only way to guarantee you find the most affordable rates is to compare quotes from a bunch of insurance companies.

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What Factors Affect Car Insurance Rates for a Mini Cooper Clubman?

As we mentioned above, there are multiple things that auto insurance carriers reference to decide how much they charge you for a policy -- and each company weighs certain variables more than others, so there's not a single carrier that's the cheapest for every Cooper Clubman driver.

The following sections show a whole range of factors insurance companies use to determine rates:

Vehicle Age

The Mini Cooper Clubman has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

Based on the information in the table above, the Mini Cooper Clubman is not quite in line with this trend, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are 11 to 14 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for auto insurance. In the table above, you'll see that drivers under 24 have higher prices than older drivers. In this case, drivers 18 to 24 pay $28 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for Cooper Clubman drivers being 65 years and older.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim. For Cooper Clubman owners, that difference is around $4 per month, with men paying an average of $64 and women looking at about $68.

Where You Live

You were probably already aware that variables like how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live matters just as much? Car insurance is regulated on the state level rather than nationally, so prices differ quite a bit from state to state.

For example, the average Mini Cooper Clubman owner in New York pays around $169 a month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price.

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Mini Cooper Clubman Car Insurance Discounts

Whatever what car you drive, how old you are, or where you live, it's always important to take advantage of as many auto insurance discounts as possible.

While no two insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your car insurance. And often, the best way to save isn't through a "discount" at all, but rather by strengthening your overall insurance profile that carriers look at.

Even though you may not be able to control every factor auto insurance carriers look at to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the things you can use to your favor when it comes to saving cash:

Your Driving Record

You've probably noticed ads from insurance companies posting hefty savings for responsible drivers. It follows that your auto insurance rates will go up if you get cited for speeding or get into an accident. But you're probably wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost Cooper Clubman drivers less than tickets, but both will result in a raise in rates. Mini Cooper Clubman drivers with a single accident on their record pay about $68 every month (up $1 from the $67/mo. overall average), while drivers with one ticket will pay an average of $73 per month. Those with multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that plays a role in your car insurance premiums is how much you drive. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally be offered cheaper prices. Above, you can see that Mini Cooper Clubman owners who drive 10,000 miles or more pay $69 for insurance, while those who drive fewer than 2,500 miles a year pay an average of $29 monthly.

If you don't use your Mini Cooper Clubman to travel or commute regularly, it may be worth reviewing usage-based or pay-per-mile auto insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mini Cooper Clubmans Compare to Other Vehicles?

If you're thinking about making a Mini Cooper Clubman your next vehicle, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Mini Cooper Clubman compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Mini Cooper Clubman is a great value for any budget. While the average vehicle MSRP in the U.S. is $46,547, the Cooper Clubman has an MSRP of just $30,900.

Similarly, car insurance rates are cheaper when compared to the rest of the vehicle market. Liability insurance for a Mini Cooper Clubman is about $20 per month less than average, while full coverage is more than $30 cheaper per month.

When it comes to usage, Mini Cooper Clubman drivers are far from the national average in annual miles driven, with 9,538 miles each year compared to 11,617 for all vehicles.

Mini Cooper Clubman Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays to insure a Mini Cooper Clubman. But if you're in the market for a new car, truck, or SUV and the Cooper Clubman is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2020 Mini Cooper Clubman Car Insurance 2019 Mini Cooper Clubman Car Insurance 2018 Mini Cooper Clubman Car Insurance 2017 Mini Cooper Clubman Car Insurance 2016 Mini Cooper Clubman Car Insurance 2014 Mini Cooper Clubman Car Insurance 2013 Mini Cooper Clubman Car Insurance 2012 Mini Cooper Clubman Car Insurance 2011 Mini Cooper Clubman Car Insurance 2010 Mini Cooper Clubman Car Insurance

2020 Mini Cooper Clubman Car Insurance

You can expect full coverage for a 2020 Mini Cooper Clubman to run around $134 monthly, while liability only coverage will average about $61 a month.

If you're looking for the cheapest possible 2020 Mini Cooper Clubman insurance policy, DirectGeneral offered the cheapest policy we found, with rates as little as $54 per month.

Interested in just how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

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2019 Mini Cooper Clubman Car Insurance

It costs around $123 monthly for liability or $169 for a full coverage policy for the 2019 Cooper Clubman.

With premiums as little as just $44 a month, Mercury offered the most affordable policy we found for the 2019 Mini Cooper Clubman.

If you want to find the best rates for insurance for a 2019 Mini Cooper Clubman, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2018 Mini Cooper Clubman Car Insurance

The average cost to insure a 2018 Mini Cooper Clubman with liability only coverage is $47 monthly, while full coverage runs about $102 per month.

We found Mercury offered the lowest policy, with rates as low as $26 a month.

If you want to know exactly how much you can expect to pay for your Cooper Clubman, just enter your ZIP code below and get free quotes in minutes.

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2017 Mini Cooper Clubman Car Insurance

2017 Cooper Clubman drivers can expect to pay an average of $73 per month for liability or $179 for full coverage.

Mercury offered the most affordable policy we found, with rates as cheap as $29 monthly.

While these are good estimates of what the average driver might pay to insure a 2017 Mini Cooper Clubman, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2016 Mini Cooper Clubman Car Insurance

On average, drivers who own a 2016 Mini Cooper Clubman can expect to pay $58 to $141 a month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for sometimes as low as $22 monthly.

What could your auto insurance premium look like? All you need to do is enter your ZIP code below and you'll be on your way to comparing a variety of personalized quotes from the nation's top insurance carriers.

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2014 Mini Cooper Clubman Car Insurance

You can expect full coverage for a 2014 Cooper Clubman to run around $136 per month, while liability only coverage will average about $64 a month.

With rates sometimes as little as $22 monthly, Elephant offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2013 Mini Cooper Clubman Car Insurance

2013 Mini Cooper Clubman drivers can expect to pay an average of $66 a month for liability or $135 for full coverage.

Aspire has premiums sometimes as cheap as $21 per month for the 2013 Mini Cooper Clubman.

Want to know exactly how much you'll pay? Get multiple customized quotes for free by just entering your ZIP code below.

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2012 Mini Cooper Clubman Car Insurance

On average, drivers who own a 2012 Cooper Clubman can expect to pay $49 to $141 monthly for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as $22 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Mini Cooper Clubman Car Insurance

It costs around $76 per month for liability or $139 for a full coverage policy for the 2011 Mini Cooper Clubman.

If you're looking for the most affordable 2011 Mini Cooper Clubman insurance policy, Mercury offered the lowest policy we found, with rates as low as just $19 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Mini Cooper Clubman Car Insurance

The average cost to insure a 2010 Cooper Clubman with liability only coverage is $66 monthly, while full coverage runs about $127 per month.

With prices sometimes as little as $20 a month, Mercury offered the cheapest policy we found for the 2010 Mini Cooper Clubman.

If you want to find the best rates for insurance for a 2010 Mini Cooper Clubman, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Mini Cooper Clubman Insurance FAQs

Is a Mini Cooper Clubman expensive to insure?

Compared to the national average of all vehicles, premiums come in on the less expensive end of the spectrum. Liability insurance runs an average of $67 per month, while full coverage will cost you around $142.

How can I get the best price on car insurance for my Mini Cooper Clubman?

The only way to ensure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from many companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Mini Cooper Clubman affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's simply not true. There are an array of things insurance companies use when they calculate your premiums, but your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy a Mini Cooper Clubman?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a car insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but your best bet is letting your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Mini Cooper Clubman?

You will find all sorts of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Mini Cooper Clubman you drive, but if your Cooper Clubman has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. To find out which discounts you might receive, reach out to your insurance company and ask about their discounts.