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2002 Dodge Grand Caravan Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 2, 2021

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Average insurance rates for a 2002 Dodge Grand Caravan are $868 a year for full coverage insurance. Comprehensive costs on average $132, collision costs $132, and liability costs around $446. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing around $1,856. Teenage drivers receive the highest rates at $3,580 a year or more.

Annual premium for full coverage: $868

Rate estimates for 2002 Dodge Grand Caravan Insurance

Comprehensive $132
Collision $132
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Dodge Grand Caravan models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $500 for just liability coverage to a much higher rate of $1,856 for a driver who has had serious violations or accidents.

Liability Only $500
Full Coverage $868
High Risk $1,856

View Chart as Image

2002 Dodge Grand Caravan insurance rates compared
Column chart showing 2002 Dodge Grand Caravan insurance prices range from $541 to $3,580 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Dodge Grand Caravan Insurance

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Locating better insurance prices for a new or used Dodge Grand Caravan could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to compare insurance rates so you’re going to learn the quickest way to get price quotes for your Dodge and locate the cheapest rates either online or from local insurance agents.

It’s important to take a look at other company’s rates before your policy renews due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest price for Grand Caravan insurance a year ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.

How to Compare Auto Insurance Costs

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quotes for quick rates.

Many popular insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company can give them a price based on that information. This eliminates the need for repetitive form submissions for every auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of form is you can’t choose which carriers you want to price. So if you want to select specific providers for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using identical coverage limits for each comparison quote. If you enter different deductibles you can’t possibly determine which rate is truly the best.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for car insurance savings by State Farm, GEICO and Progressive. All the companies make the same claim about savings after switching to their company.

How can each company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save money. This is how companies can claim big savings. That is why it is so important to get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings on Dodge Grand Caravan insurance.

How to save on Dodge Grand Caravan insurance

Companies do not advertise all their discounts very well, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Grand Caravan insurance.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of companies offering car insurance discounts, click here to view.

Free Auto Insurance Comparison

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Tailor your coverage to you

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the minimum liability in my state?
  • When should I remove comp and collision on my 2002 Dodge Grand Caravan?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2002 Dodge Grand Caravan.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This can cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, rock chips in glass, damage from getting keyed and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like funeral costs, pain medications, hospital visits, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Saving money makes a lot of cents

Insureds change insurance companies for many reasons like questionable increases in premium, not issuing a premium refund, an unsatisfactory settlement offer or even extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Cheaper 2002 Dodge Grand Caravan insurance can be bought online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. Too many times, an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate.

Additional information can be read at the links below

  • Coverage Information (Progressive Insurance)
  • What does Personal Injury Protection (PIP) Cover? (Allstate)
  • Choosing an Insurance Company (Insurance Information Insitute)
  • Distracted Driving Extends Beyond Texting (State Farm)
  • Top Signs Your Brakes are Giving Out (State Farm)

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,374
Los Angeles, CA $1,488
Philadelphia, PA $1,162
Jacksonville, FL $1,262
Phoenix, AZ $1,008
Chicago, IL $1,163
Houston, TX $1,362
Seattle, WA $847
Columbus, OH $726
Indianapolis, IN $737

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $3,580
20 $1,974
30 $876
40 $868
50 $798
60 $780

Full coverage, $500 deductibles

Rates by Deductible

2002 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $980
$250 $930
$500 $868
$1,000 $808

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $868
50/100 $957
100/300 $1,069
250/500 $1,359
100 CSL $1,002
300 CSL $1,247
500 CSL $1,426

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $5,012
20 $3,140
30 $1,860
40 $1,856
50 $1,776
60 $1,758

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $36
Online Quote $57
Total Discounts $327
Rate after discounts $541

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $786
Alaska $666
Arizona $720
Arkansas $868
California $992
Colorado $830
Connecticut $894
Delaware $984
Florida $1,088
Georgia $802
Hawaii $624
Idaho $586
Illinois $646
Indiana $652
Iowa $586
Kansas $826
Kentucky $1,186
Louisiana $1,286
Maine $536
Maryland $716
Massachusetts $696
Michigan $1,510
Minnesota $726
Mississippi $1,042
Missouri $770
Montana $934
Nebraska $686
Nevada $1,042
New Hampshire $626
New Jersey $972
New Mexico $770
New York $916
North Carolina $502
North Dakota $712
Ohio $600
Oklahoma $892
Oregon $796
Pennsylvania $830
Rhode Island $1,160
South Carolina $786
South Dakota $732
Tennessee $760
Texas $1,048
Utah $644
Vermont $596
Virginia $520
Washington $672
West Virginia $796
Wisconsin $602
Wyoming $774

Free Auto Insurance Comparison

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