Mini Clubman car insurance rates | finder.com
Mini Clubman car insurance

Mini Clubman car insurance rates

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What to expect when insuring your Mini Clubman

According to our research, the average cost to insure a Mini Clubman is about $132 a month, or $1,584 a year. Your actual cost could be more or less, depending on your driving record, the number of miles you drive in a year, your age and other factors.

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Recommended provider

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Liberty Mutual

Car insurance through Liberty Mutual will give coverage options for almost any situation.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
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How to compare insurance for the Mini Clubman

When comparing insurance options for your Mini Clubman, keep these factors in mind:

  • Price. Make sure you compare the coverage options for different insurance providers so you know you’re getting the most bang for your buck.
  • Deductible. If you want to lower your rate, you could take a higher deductible, which means you’ll have to pay more out-of-pocket before insurance will kick in.
  • Minimum coverage. Make sure the insurance policy you’re pricing out meets the minimum car insurance requirements for your state.
  • Coverage add-ons. Since the Mini Clubman is on the smaller side, you may incur more damage if you’re in an accident with a larger SUV or truck. Because of this, you might want to add collision coverage to your policy to help offset the cost of repairs. And if you live in a city that has higher crime rates or an area prone to hurricanes or tornadoes, you may want to opt for comprehensive coverage.
  • Manufacturer offers or other discounts. If your Mini Clubman is still under warranty, you’ll automatically get free 24-hour roadside assistance directly from the manufacturer. Mini also has a partnership with Liberty Mutual, so you might be able to snap up a special deal.

Special savings with Liberty Mutual

Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

Compare insurance providers that cover Mini Clubman

Name Product Roadside assistance New car protection
Liberty Mutual
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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What factors affect car insurance for the Mini Clubman?

As a mid-range brand, the Mini Clubman should cost less to insure than, say, a Lexus, while it’ll probably cost you a little more than insuring a Toyota.

The Clubman also comes in two body style options, with the convertible package being slightly more expensive than the hatchback version. If yours is a convertible, your insurance rates may be just a bit higher.

Since the Mini Clubman comes with standard safety features like airbags and anti-lock brakes, you may be able to score a safety discount with your insurance provider.

Driver factors

Beyond the make and model of your vehicle, other factors that affect your car insurance rates include:

  • Your age and gender
  • Where you live
  • Your credit score
  • Your driving history
  • Whether you own your home
  • The driving histories of other individuals on your policy

Does the Mini Clubman qualify for discounts?

Your Mini Clubman could qualify for a discount for its many safety features, including:

  • Airbags
  • Active driving assistant
  • Anti-lock brakes
  • Stability control
  • LED headlights that sense rain and darkness
  • Pretensioners
  • Security system

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Reliability and safety ratings for the Mini Clubman

JD Power gives the Mini Clubman a 3 out of 5 reliability rating, which is about average for most cars. This is just a bit less than the Mini Cooper’s 3.5 out of 5 reliability rating from JD Power, but right in line with the Mini Countryman rating.

Unfortunately, some of the most common repair problems that Mini owners might have to deal with tend to be major fixes, such as:

  • Failed electric steering pumps
  • Transmission issues
  • Rattling timing chains
  • Water pump and thermostat housing leaks
  • Coolant hose damage

As for safety, the official ratings for the latest Mini Clubman aren’t available just yet, but in general the Mini Cooper and similar models generally rank high for safety. In fact, the 2017 Mini Cooper was named a Top Safety Pick by the Insurance Institute for Highway Safety.

Mini Clubman series maintenance

Despite their small size compared to lots of other vehicles on the road, Minis have earned a reputation for being on the expensive side to service. As a European brand and sub-brand of BMW, the cars are considered mid-range luxury vehicles.

You could pay $100 or more for an oil change, and like other Mini models, the Clubman gets about 24 mpg in the city and 33 mpg on the highway. This is about average fuel economy, but given the relatively small size of the Mini Clubman, it might come as a surprise that this vehicle won’t save you much on fuel.

Mini Clubman facts

What sets the Clubman apart from other Minis? Its trunk design, known as barn doors or split doors, and its so-called Clubdoor, the single rear-seat side door.

The Mini Clubman is also known for being roomier than some other classic Mini options. But if you were curious, the Guiness Book of World Records for the most people crammed into a Mini car is 29. Of course, we don’t recommend this while driving.

Bottom line

Insuring your Mini Clubman shouldn’t break the bank, although it might cost a little more than some other makes and models in its class. And its standard safety features might help you score a discount with some providers.

Compare car insurance rates from different companies to find the best mix of value and coverage options for your Mini Clubman.

Compare Mini Clubman competitors

Looking for other car brands? Compare makes and models that are similar to the Mini Clubman.

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Frequently asked questions about the Mini Clubman

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