Insuring a Mini Cooper Clubman: What to Know in 2025

How much does Cooper Clubman car insurance cost? We break down rates from the base Cooper Clubman S up to the John Cooper Works All4 trim level to find out how prices compare side-by-side to the competition.

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  • Mini Cooper Clubman car insurance costs an average of $2,220 per year, or around $185 per month for full coverage.
  • The Cooper Clubman S FWD trim level is the cheapest to insure at around $2,142 per year. The most expensive trim is the John Cooper Works All4 at $2,324 per year.
  • The 2024 Mini Cooper Clubman is one of the more expensive small SUVs to insure, costing $66 more per year on average as compared to the rest of the vehicles in the segment.

How much does Mini Cooper Clubman car insurance cost?

Drivers can plan on paying about $2,220 yearly to insure a Mini Cooper Clubman, which equates to around $185 a month. If separated by coverage type, comprehensive coverage is about $522 a year, collision coverage is an estimated $970, and the remaining liability/medical (or PIP) coverage will cost an estimated $728.

The cost summary chart below details average annual car insurance cost for a 2024 Mini Cooper Clubman using different deductibles and driver age groups.

Average 2024 Mini Cooper Clubman insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Mini Cooper Clubman insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Mini Cooper Clubman with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Mini Cooper Clubman trim levels.

2024 Mini Cooper Clubman Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,122$427
Safe Driver Age 20$4,478$373
At-fault Accidents Age 40$3,156$263
Low Deductibles Age 40$2,880$240
Safe Driver Age 30$2,362$197
Safe Driver Age 40$2,220$185
Safe Driver Age 50$1,970$164
High Deductibles Age 40$1,880$157
Safe Driver Age 60$1,842$154
Discount Rate Age 40$1,842$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Mini Cooper Clubman trim levels. Updated June 27, 2025

The rate table below details the estimated annual and 6-month policy costs, in addition to a monthly budget amount, for each Mini Cooper Clubman model package and trim level.

2024 Mini Cooper Clubman Insurance Rates by Trim Level
2024 Mini Cooper Clubman Trim Level Annual Premium Cost Per Month
S FWD$2,142$179
S All4$2,196$183
John Cooper Works All4$2,324$194

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Mini Cooper Clubman ranging from the S FWD model at $2,142 per year to the John Cooper Works All4 model at $2,324
Insurance cost by trim level for a 2024 Mini Cooper Clubman ranging from the S FWD model at $2,142 per year to the John Cooper Works All4 model at $2,324

The data table below breaks down average insurance policy costs for a Mini Cooper Clubman for the 2013-2024 model years.

Mini Cooper Clubman Insurance Cost for 2013-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Mini Cooper Clubman$2,220$185
2023 Mini Cooper Clubman$2,162$180
2022 Mini Cooper Clubman$2,124$177
2021 Mini Cooper Clubman$2,310$193
2020 Mini Cooper Clubman$2,244$187
2019 Mini Cooper Clubman$1,906$159
2018 Mini Cooper Clubman$1,826$152
2017 Mini Cooper Clubman$1,730$144
2016 Mini Cooper Clubman$1,530$128
2014 Mini Cooper Clubman$1,186$99
2013 Mini Cooper Clubman$1,338$112

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Mini Cooper Clubman trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2024 Mini Cooper Clubman models
Average annual premium and cost per month to insure 2013 to 2024 Mini Cooper Clubman models

Is insurance expensive for a Cooper Clubman?

The Mini Cooper Clubman ranks 29th out of 47 total comparison vehicles in the small SUV category for most affordable insurance cost. The Cooper Clubman costs an estimated $2,220 per year for a car insurance policy with full coverage and the class average insurance cost is $2,154 annually, a difference of $66 per year.

When compared to other vehicles in the 2024 small SUV class, Mini Cooper Clubman car insurance costs $58 more per year than the Toyota RAV4, $224 more than the Honda CR-V, and $62 more than the Chevrolet Equinox.

The following chart shows how car insurance rates for a Cooper Clubman compare to the top 10 selling small SUVs like the Nissan Rogue, Ford Escape, and Subaru Crosstrek. A more comprehensive data table is included after the chart that details average car insurance prices for all 47 models in the small SUV category.

Average 2024 Mini Cooper Clubman car insurance premium compared to other small SUV models.
Figure 2: Average 2024 Mini Cooper Clubman car insurance premium compared to other small SUV models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Mini Cooper Clubman. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Mini Cooper Clubman trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Mini Cooper Clubman Insurance Cost Compared to All Small SUVs
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$490
2Chevrolet Trailblazer$1,760-$460
3Kia Soul$1,826-$394
4Nissan Kicks$1,844-$376
5Buick Envision$1,878-$342
6Toyota Corolla Cross$1,888-$332
7Hyundai Venue$1,902-$318
8Mazda CX-5$1,910-$310
9Ford Bronco Sport$1,918-$302
10Volkswagen Tiguan$1,938-$282
11Buick Encore$1,988-$232
12Honda CR-V$1,996-$224
13Volkswagen Taos$2,008-$212
14Kia Niro$2,014-$206
15Honda HR-V$2,040-$180
16Subaru Forester$2,084-$136
17Kia Seltos$2,094-$126
18GMC Terrain$2,096-$124
19Nissan Rogue$2,106-$114
20Hyundai Kona$2,110-$110
21Mazda CX-30$2,114-$106
22Volkswagen ID4$2,124-$96
23Ford Escape$2,138-$82
24Chevrolet Equinox$2,158-$62
25Toyota RAV4$2,162-$58
26Mazda MX-30$2,172-$48
27Hyundai Tucson$2,176-$44
28Chevrolet Trax$2,210-$10
29Mini Cooper Clubman$2,220--
30Mini Cooper$2,226$6
31Mitsubishi Eclipse Cross$2,246$26
32Jeep Renegade$2,252$32
33Mitsubishi Outlander$2,280$60
34Kia Sportage$2,294$74
35Hyundai Ioniq 5$2,302$82
36Nissan Ariya$2,304$84
37Fiat 500X$2,310$90
38Mini Cooper Countryman$2,318$98
39Subaru Solterra$2,320$100
40Mazda CX-50$2,326$106
41Toyota bz4X$2,330$110
42Mitsubishi Mirage$2,342$122
43Kia EV6$2,416$196
44Dodge Hornet$2,492$272
45Jeep Compass$2,536$316
46Hyundai Nexo$2,584$364
47Ford Mustang Mach-E$2,742$522

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025