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 Cooper 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 Cooper Clubman insurance facts

  • Average full coverage auto insurance premium: $131/month
  • Most affordable companies: GEICO ($70/month) & Progressive ($79/month)
  • Cooper Clubman car insurance cost vs. average rate: $52 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your MINI Cooper 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 Cooper Clubman insurer costs by state:

Risk factors affecting MINI Cooper Clubman car insurance 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 Coooper Clubman car 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 Cooper 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 Cooper 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 car 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.

2022 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1625
Acuity$1754
Allied$1657
Allstate$1287
American Family$1206
Country Financial$1462
Erie$1032
GEICO$840
Kentucky Farm Bureau$1536
Liberty Mutual$1030
Mercury$1249
Nationwide$1067
Progressive$923
State Farm$970
Tennessee Farmers$1234
Texas Farm Bureau$1121
The Hanover$1569
Travelers$1326

Compare all 2022 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1580

List Price

$29900

Trims Available

Base - S - John Cooper Works - 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

2021 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1609
Acuity$1730
Allied$1642
Allstate$1259
American Family$1190
Country Financial$1451
Erie$1005
GEICO$836
Kentucky Farm Bureau$1493
Liberty Mutual$1028
Mercury$1234
Nationwide$1053
Progressive$911
State Farm$962
Tennessee Farmers$1216
Texas Farm Bureau$1092
The Hanover$1520
Travelers$1311

Compare all 2021 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1540

List Price

$29900

Trims Available

Base - S - John Cooper Works - 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 Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1574
Allstate$1252
American Family$1185
Country Financial$1391
Erie$986
GEICO$830
Kentucky Farm Bureau$1462
Liberty Mutual$1016
Mercury$1230
Nationwide$1051
Progressive$890
State Farm$941
Tennessee Farmers$1190
Texas Farm Bureau$1070
The Hanover$1491
Travelers$1305

Compare all 2020 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1513

List Price

$30900

Trims Available

Base - S - John Cooper Works - 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 Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1546
Allstate$1243
American Family$1146
Country Financial$1380
Erie$946
GEICO$822
Kentucky Farm Bureau$1452
Liberty Mutual$1006
Mercury$1219
Nationwide$1031
Progressive$870
State Farm$923
Tennessee Farmers$1171
Texas Farm Bureau$1068
The Hanover$1467
Travelers$1290

Compare all 2019 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1468

List Price

$24900

Trims Available

Base - S - John Cooper Works

2018 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1533
Allstate$1242
American Family$1142
Country Financial$1367
Erie$926
GEICO$820
Kentucky Farm Bureau$1430
Liberty Mutual$990
Mercury$1215
Nationwide$1030
Progressive$863
State Farm$912
Tennessee Farmers$1170
Texas Farm Bureau$1064
The Hanover$1456
Travelers$1290

Compare all 2018 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1395

List Price

$24800

Trims Available

Base - S - John Cooper Works - 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

2017 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1530
Allstate$1216
American Family$1140
Country Financial$1364
Erie$926
GEICO$812
Kentucky Farm Bureau$1421
Liberty Mutual$987
Mercury$1203
Nationwide$1026
Progressive$853
State Farm$891
Tennessee Farmers$1167
Texas Farm Bureau$1035
The Hanover$1452
Travelers$1289

Compare all 2017 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$1320

List Price

$24100

Trims Available

Base - S - John Cooper Works - 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

2012 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 890
Acuity$ 890
Allied$ 1060
Allied$ 1060
American Family$ 1094
American Family$ 1094
Arbella$ 1075
Arbella$ 1075
Country$ 1094
Country$ 1094
Erie$ 858
Erie$ 858
GEICO$ 952
GEICO$ 952
Plymouth Rock Insurance$ 1012
Plymouth Rock Insurance$ 1012
Tennessee Farmers$ 954
Tennessee Farmers$ 954
Texas Farm Bureau$ 756
Texas Farm Bureau$ 756
USAA$ 901
USAA$ 901
Vermont Mutual$ 828
Vermont Mutual$ 828

Compare all 2012 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$ 1062

List Price

$ 21200

Trims Available

Base - S - John Cooper Works

2011 MINI Cooper Clubman

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1001
Acuity$ 1001
Allied$ 1020
Allied$ 1020
American Family$ 1083
American Family$ 1083
Arbella$ 968
Arbella$ 968
Country$ 1061
Country$ 1061
Erie$ 839
Erie$ 839
GEICO$ 944
GEICO$ 944
Plymouth Rock Insurance$ 993
Plymouth Rock Insurance$ 993
Tennessee Farmers$ 953
Tennessee Farmers$ 953
Texas Farm Bureau$ 748
Texas Farm Bureau$ 748
USAA$ 861
USAA$ 861
Vermont Mutual$ 806
Vermont Mutual$ 806

Compare all 2011 MINI Cooper Clubman rates

Average Cost to Insure Per Year

$ 1031

List Price

$ 21100

Trims Available

Base - S - John Cooper Works