2002 Toyota RAV4 Insurance Rates
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UPDATED: Nov 29, 2021
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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
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.
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
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
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.
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.
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.
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.
Rates by U.S. City
|New York City, NY||$1,395|
|Los Angeles, CA||$1,506|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$50|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.