Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used MINI Clubman? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

MINI Clubman insurance facts

  • Average full coverage auto insurance premium: $151/month
  • Most affordable companies: Auto-Owners Insurance ($87/month) & GEICO ($92/month)
  • Clubman car insurance cost vs. average rate: $22 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Clubman by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average MINI Clubman insurer costs by state:

Risk factors affecting MINI Clubman coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on MINI Clubman insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts
  • Safe drivers
  • Senior discounts

With all MINI models, you can get the following car insurance discounts:

  • Passive restraint systems
  • Anti-lock brakes
  • Anti-theft devices

MINI automobile brand

MINI is a British marque owned by German automobile manufacturer BMW specializing in compact cars with excellent handling and fuel economy. The target audience of MINI is the affluent urban younger generation that demands freedom and individuality. All MINI automobiles have high safety ratings, with the MINI Cooper Hardtop getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The MINI Cooper, Cooper Countryman, and MINI SE Hardtop are their most popular cars.

High MINI Clubman repair costs equal high coverage rates

Many consumers are attracted to MINI for excellent looks, fun driving experience, and high-tech development with driver-assist technologies, like MINI Active Driving Assistant with speed sign and obstacle recognition. Automotive parts are not typical and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a MINI is higher than average since repair parts are more expensive. For this reason, many MINI cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for MINI Clubman affecting auto policies

Another factor to consider for MINI is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all MINI models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent MINI IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

MINI is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as MINI’s Active Driving Assistant technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most MINI models. The MINI Cooper Hard Top 2-door is the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick.” The NHTSA consistently gives MINI automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new MINI automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1630
American Family$1162
Auto-Owners$1049
Cincinnati Insurance$1906
Direct Auto$2152
Elephant Insurance$1842
Erie Insurance$1526
GEICO$1091
Kentucky Farm Bureau$1790
Liberty Mutual$1548
Mercury$1339
MetLife$2043
Nationwide$1761
Progressive$1311
Safe Auto$1856
State Farm$1699
Texas Farm Bureau$1352
Travelers$1237
Westfield$1178

Compare all 2021 MINI Clubman rates

Average Cost to Insure Per Year

$1823

List Price

$29900

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4 - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2020 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1629
American Family$1154
Auto-Owners$1036
Elephant Insurance$1835
Erie Insurance$1492
Farmers$1749
GEICO$1061
Liberty Mutual$1533
Mercury$1337
MetLife$1867
Nationwide$1730
Progressive$1290
State Farm$1687
Texas Farm Bureau$1349
Travelers$1227
Westfield$1169

Compare all 2020 MINI Clubman rates

Average Cost to Insure Per Year

$1726

List Price

$25700

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4 - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2019 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1611
American Family$1056
Auto-Owners$1026
Elephant Insurance$1821
Erie Insurance$1482
GEICO$1035
Kentucky Farm Bureau$1777
Liberty Mutual$1520
Mercury$1329
MetLife$1862
Nationwide$1729
Progressive$1284
State Farm$1684
Texas Farm Bureau$1348
Travelers$1163
Westfield$1152

Compare all 2019 MINI Clubman rates

Average Cost to Insure Per Year

$1603

List Price

$24900

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4 - Base Engine: 189-horsepower turbocharged 2.0-liter four-cylinder with driver assist technologies: Forward Collision Warning & Mitigation (with pedestrian detection), Traffic Sign Recognition, Active Brakes, Dynamic Stability Control, Cornering Brake Control, Head-Up Display, Adaptive Cruise Control, Crash Sensor System, Rollover Protection Bar, Self-parking Assist. With active and passive safety features: Smart Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Daytime Running Lights, Traction Control, Auto-Leveling Headlights, and Breakaway Engine

2018 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1255
Acuity$ 1255
Allied$ 1210
Allied$ 1210
American Family$ 1279
American Family$ 1279
Country$ 1351
Country$ 1351
Erie$ 1033
Erie$ 1033
Mercury$ 1255
Mercury$ 1255
Nationwide$ 1364
Nationwide$ 1364
Plymouth Rock Insurance$ 1184
Plymouth Rock Insurance$ 1184
Progressive$ 1267
Progressive$ 1267
Tennessee Farmers$ 1013
Tennessee Farmers$ 1013
USAA$ 1095
USAA$ 1095
Vermont Mutual$ 1211
Vermont Mutual$ 1211

Compare all 2018 MINI Clubman rates

Average Cost to Insure Per Year

$ 1556

List Price

$ 24800

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2017 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1292
Acuity$ 1292
American Family$ 1296
American Family$ 1296
Erie$ 943
Erie$ 943
GEICO$ 1199
GEICO$ 1199
Mercury$ 1215
Mercury$ 1215
Plymouth Rock Insurance$ 1139
Plymouth Rock Insurance$ 1139
Progressive$ 1180
Progressive$ 1180
State Farm$ 1185
State Farm$ 1185
Tennessee Farmers$ 1047
Tennessee Farmers$ 1047
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 1083
USAA$ 1083
Vermont Mutual$ 1243
Vermont Mutual$ 1243

Compare all 2017 MINI Clubman rates

Average Cost to Insure Per Year

$ 1233

List Price

$ 24100

Trims Available

Cooper - Cooper ALL4 - Cooper S - Cooper S ALL4 - John Cooper Works ALL4

2016 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1216
Acuity$ 1216
American Family$ 1270
American Family$ 1270
Country$ 1291
Country$ 1291
Erie$ 940
Erie$ 940
GEICO$ 1297
GEICO$ 1297
Mercury$ 1206
Mercury$ 1206
Plymouth Rock Insurance$ 1121
Plymouth Rock Insurance$ 1121
State Farm$ 1272
State Farm$ 1272
Tennessee Farmers$ 884
Tennessee Farmers$ 884
Texas Farm Bureau$ 924
Texas Farm Bureau$ 924
USAA$ 1082
USAA$ 1082
Vermont Mutual$ 1128
Vermont Mutual$ 1128

Compare all 2016 MINI Clubman rates

Average Cost to Insure Per Year

$ 1170

List Price

$ 24100

Trims Available

Cooper - Cooper S

2014 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 968
Acuity$ 968
Allied$ 1069
Allied$ 1069
American Family$ 1106
American Family$ 1106
Arbella$ 1143
Arbella$ 1143
Country$ 1087
Country$ 1087
Erie$ 902
Erie$ 902
GEICO$ 1060
GEICO$ 1060
Plymouth Rock Insurance$ 1043
Plymouth Rock Insurance$ 1043
Tennessee Farmers$ 993
Tennessee Farmers$ 993
Texas Farm Bureau$ 799
Texas Farm Bureau$ 799
USAA$ 991
USAA$ 991
Vermont Mutual$ 902
Vermont Mutual$ 902

Compare all 2014 MINI Clubman rates

Average Cost to Insure Per Year

$ 1073

List Price

$ 21400

Trims Available

Cooper - Cooper S - John Cooper Works

2013 MINI Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 987
Acuity$ 987
Allied$ 1074
Allied$ 1074
American Family$ 1142
American Family$ 1142
Arbella$ 1157
Arbella$ 1157
Erie$ 894
Erie$ 894
GEICO$ 956
GEICO$ 956
Plymouth Rock Insurance$ 1053
Plymouth Rock Insurance$ 1053
State Farm$ 1147
State Farm$ 1147
Tennessee Farmers$ 1020
Tennessee Farmers$ 1020
Texas Farm Bureau$ 794
Texas Farm Bureau$ 794
USAA$ 933
USAA$ 933
Vermont Mutual$ 937
Vermont Mutual$ 937

Compare all 2013 MINI Clubman rates

Average Cost to Insure Per Year

$ 1140

List Price

$ 21400

Trims Available

Cooper - Cooper S - John Cooper Works