Insurance Analysis for the 2012 Mini Cooper

The 2012 Mini Cooper is a small car that runs along an average path.

The adorable 2012 Mini Cooper

When people first see the 2012 Mini Cooper, the country of England most likely comes to mind. These foreign cars were first introduced to us colonists through movies and television, and we don’t see them in person very often in most parts of our country.

They are a novelty that we point out to our kids when we see one on the road, and for some reason they make us happy to see them. My neighbor owns one and I can’t help but smile every time I see her drive by. Maybe because as an American I am accustomed to larger vehicles and the Mini Cooper is the equivalent to a cute baby car.

But with the increasing popularity of buying smaller, more environmentally friendly vehicles, the Mini Cooper has slowly started the vehicle version of the British Invasion.

Safety Ratings for the 2012 Mini Cooper

The 2012 Mini Cooper has just slightly above average ratings when it comes to safety.

The Insurance Institute for Highway Safety gave the 2012 Cooper two acceptable ratings and two good ratings. The good ratings were given for front crash tests and rear crash tests. The acceptable ratings were given in side impact crash tests and rollover crash tests.

The National Highway Traffic Safety Administration only tested the Mini Cooper with one test and that was the rollover test. The vehicle did earn 5 out of 5 stars for this test; which is interesting since it only earned an acceptable rating with the Insurance Institute for Highway Safety.

Insurance Thoughts for the 2012 Highway Safety

About average, is the best I would think the insurance cost would be for the 2012 Mini Cooper.

There is not much to the car as this car is the ultimate example of the label “compact car”. However, the price ranges from just under $20,000 to just under $35,000 so the cost of totaling or fixing it has a large range. On the lower end it would be rather cheap in the comprehensive and collision coverage, but that would most likely raise as you got up in the more expensive versions.

The medical payment and PIP coverage is also where you will most likely see the coverage hover at about average. The vehicle is not a Top Safety Pick and its safety ratings are on the upper end of average. This means that you are still well protected in your vehicle; you are just not excellently protected.

Where owners of the 2012 Mini Cooper are going to fair best in their insurance premium is with the liability. This vehicle is not known to be popular with driver’s who have bad driving records and the 2012 Mini Copper is also not going to be able to do a lot of damage to anything that it hits.