1. Vehicles
  2. Toyota
  3. RAV4
  4. 2002 Model Year

2002 Toyota RAV4 Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Nov 29, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2002 Toyota RAV4 are $882 a year with full coverage. Comprehensive insurance costs approximately $126 a year, collision insurance costs $152, and liability coverage costs around $446. Buying a liability-only policy costs as low as $500 a year, and high-risk insurance costs $1,892 or more. Teen drivers receive the highest rates at up to $3,644 a year.

Annual premium for full coverage: $882

Rate estimates for 2002 Toyota RAV4 Insurance

Comprehensive $126
Collision $152
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Toyota RAV4 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 the average driver, prices range range from as low as $500 for only liability insurance to a high of $1,892 for a driver that may need high-risk insurance.

Liability Only $500
Full Coverage $882
High Risk $1,892

View Chart as Image

2002 Toyota RAV4 insurance rates compared
Column chart showing 2002 Toyota RAV4 insurance prices range from $547 to $3,644 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, rather than using price averages.

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 Toyota RAV4 Insurance

Searching Companies

Trying to find the cheapest insurance for a Toyota RAV4 can be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage on a Toyota and get the lowest price from both online companies and local agents.

Do you qualify for these eight discounts?

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but a few must be specifically requested prior to getting the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Life Insurance – Larger companies have better rates if you take out life insurance.
  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for RAV4 insurance than drivers with accidents.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. But any discount will reduce your overall premium however.

A partial list of companies that may have these discounts include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Before buying, ask all companies you are considering which discounts they offer. Savings may not apply in your state.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my babysitter covered when using my vehicle?
  • Does my 2002 Toyota RAV4 qualify for pleasure use?
  • Does liability extend to a camper or trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving someone else’s vehicle?
  • Can my teen drive my company car?
  • Will my insurance pay for OEM parts?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like pain medications, rehabilitation expenses, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota RAV4.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have 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. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, loss of income and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision coverage

This coverage covers damage to your RAV4 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, hitting a mailbox, colliding with another moving vehicle, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Better coverage you can count on

Cheaper 2002 Toyota RAV4 insurance can be found on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and these small insurance companies work with independent agents.

People switch companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, extreme rates for teen drivers and policy cancellation. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Additional articles

Rates by U.S. City

2002 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,395
Los Angeles, CA $1,506
Philadelphia, PA $1,179
Jacksonville, FL $1,281
Phoenix, AZ $1,025
Chicago, IL $1,181
Houston, TX $1,383
Seattle, WA $857
Columbus, OH $736
Indianapolis, IN $748

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,644
20 $2,018
30 $890
40 $882
50 $812
60 $794

Full coverage, $500 deductibles

Rates by Deductible

2002 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,000
$250 $946
$500 $882
$1,000 $818

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $882
50/100 $971
100/300 $1,083
250/500 $1,373
100 CSL $1,016
300 CSL $1,261
500 CSL $1,440

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,108
20 $3,214
30 $1,900
40 $1,892
50 $1,812
60 $1,794

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 $116

Potential Rate Discounts

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

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $58
Total Discounts $335
Rate after discounts $547

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 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $798
Alaska $676
Arizona $732
Arkansas $882
California $1,004
Colorado $842
Connecticut $908
Delaware $1,000
Florida $1,104
Georgia $814
Hawaii $632
Idaho $594
Illinois $656
Indiana $662
Iowa $594
Kansas $840
Kentucky $1,204
Louisiana $1,306
Maine $546
Maryland $726
Massachusetts $706
Michigan $1,532
Minnesota $738
Mississippi $1,058
Missouri $782
Montana $946
Nebraska $696
Nevada $1,058
New Hampshire $636
New Jersey $988
New Mexico $782
New York $930
North Carolina $510
North Dakota $722
Ohio $608
Oklahoma $906
Oregon $806
Pennsylvania $842
Rhode Island $1,178
South Carolina $800
South Dakota $744
Tennessee $772
Texas $1,064
Utah $652
Vermont $606
Virginia $528
Washington $680
West Virginia $808
Wisconsin $610
Wyoming $786

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles