MINI Clubman Insurance Cost
Full coverage for a MINI Clubman costs about $1,380 a year ($115/month) by our estimate — ▼ −13% versus the average vehicle.
MINI Clubman insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2024 model year. Our vehicle data covers the 2008–2024 model years of the MINI Clubman, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $550 | $46 | $450–$650 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $800 | $67 | $655–$945 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,380 | $115 | $1,130–$1,625 |
What drives the cost of insuring a MINI Clubman
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The MINI Clubman's results put our vehicle factor at 0.90× for liability, 1.04× for collision and 0.80× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 105 | Average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 78 | Much better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 85 | Better than average | Damage this car does to other vehicles and property |
| Personal injury protection | 84 | Better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Mini Clubman 4WD | 105 | 78 | 85 | — |
| Mini Clubman | 85 | — | 85 | — |
- Repair and parts costs: Wagon — mainstream parts availability keeps repairs moderate.
- Recalls & complaints: 0 NHTSA recall campaigns and 3 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
MINI Clubman trims and configurations (2024)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Cooper S Clubman | FWD | 2.0L 4-cyl Turbo | 29 |
| Cooper S Clubman All4 | AWD | 2.0L 4-cyl Turbo | 27 |
| John Cooper Works Clubman All4 | AWD | 2.0L 4-cyl Turbo | 26 |
MINI Clubman insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2024 | 2.0L 4-cyl Turbo | AWD, FWD | 25–29 | $1,380 |
| 2023 | 2.0L 4-cyl Turbo | AWD, FWD | 25–29 | $1,350 |
| 2022 | 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,320 |
| 2021 | 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,290 |
| 2020 | 2.0L 4-cyl Turbo | AWD, FWD | 26–29 | $1,260 |
| 2019 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,230 |
| 2018 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,200 |
| 2017 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | AWD, FWD | 24–28 | $1,170 |
| 2016 | 1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo | FWD | 25–28 | $1,140 |
| 2014 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 29–30 | $1,135 |
| 2013 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 29–30 | $1,135 |
| 2012 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 28–30 | $1,135 |
| 2011 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 28–30 | $1,135 |
| 2010 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 27–31 | $1,135 |
| 2009 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 26–32 | $1,135 |
| 2008 | 1.6L 4-cyl, 1.6L 4-cyl Turbo | FWD | 27–32 | $1,135 |
MINI Clubman insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Clubman page for that state.
MINI Clubman insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,515 | $2,200 | $3,790 | $316 |
| Young adult (22) | $880 | $1,280 | $2,205 | $184 |
| Adult in their 30s | $550 | $800 | $1,380 | $115 |
| Adult in their 50s | $505 | $735 | $1,270 | $106 |
| Senior (72) | $615 | $895 | $1,545 | $129 |
| 30s, one at-fault accident | $800 | $1,160 | $2,000 | $167 |
| 30s, DUI on record | $1,020 | $1,480 | $2,550 | $213 |
MINI Clubman vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| MINI Clubman | $1,380 | 105 | 78 | — |
| Subaru Outback | $1,190 | 63 | 84 | Compare |
| Toyota Prius v | $1,225 | — | — | Compare |
| Nissan Cube | $1,190 | — | — | Compare |
Estimate MINI Clubman insurance for your ZIP code
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Other MINI models
- Cooper $1,210/yr
- Countryman $1,315/yr
- Paceman $1,165/yr
- Roadster $1,445/yr
Frequently asked questions
How much is insurance for a MINI Clubman?
We estimate about $1,380 a year ($115 a month) for full coverage and $550 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 13% less than the average vehicle.
Is the MINI Clubman expensive to insure?
HLDI insurance-loss data rates it at 105 for collision and 78 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.
Which state is cheapest to insure a MINI Clubman?
North Dakota has the lowest estimate (about $860 a year for full coverage) and Florida the highest (about $1,985).
Is the MINI Clubman cheaper to insure than the Subaru Outback?
By our estimate the MINI Clubman costs about $1,380 a year versus $1,190 for the Subaru Outback, making the Subaru Outback cheaper to insure.
How much is MINI Clubman insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,790 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.