About $1,246 a year for full coverage on a national average — 13% less than the $1,438 average car. Insurers rate the Mini Clubman at an index of 87 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the Mini Clubman: Collision — damage to your own car in a crash — carries its highest loss index at 95, while Comprehensive sits at 78. Those 17 points are the real reason behind the price, and they are the part a quote form never shows you. Among 7 station wagons we hold data for, the Clubman ranks #4 from cheapest, above the class median of 87. Against what the car is worth the bill looks different again: a 2017 Clubman sells for a median $10,995, so a year of cover costs 11.3% of the car's value. Over 8 generations of data the index has fallen from 99 (2015-2017) to 87 (2022-2024). Calculated from 16 insurance-loss records and live US listing prices.
Why a Clubman costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,246: Liability (BI + PD) $598 · Collision $349 · Comprehensive $150 · Other (UM / PIP) $150.
The Clubman against its class
Every station wagons we hold insurance data for, cheapest to insure first. The Clubman is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Station wagons), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 87, roughly $1,245 a year.
How it changed by generation
Insurance-loss index of the Clubman across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Clubman has become cheaper to insure over time (-12 points).
What a Clubman costs by state
Where you park matters as much as what you drive. The Clubman's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Clubman est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Mini Clubman's loss index of 87 — your own quote also depends on age, record, deductible and ZIP.
Mini Clubman insurance — frequently asked
How much is insurance for a Mini Clubman?
About $1,246 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 87 applied to the US average premium.
Why is the Clubman expensive or cheap to insure?
For the Mini Clubman the costliest area is Collision at an index of 95, covering damage to your own car in a crash — against 78 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Mini Clubman lands at 87, not at what it costs new.
Is the Clubman cheaper to insure than rivals?
It ranks #4 of 7 in the station wagons class, where the median index is 87 against this car's 87. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 11.3% of what a 2017 Clubman sells for — $1,246 against a median price of $10,995. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 11.3% the Clubman sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Clubman can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.