Suzuki SX4 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Suzuki SX4 are $986 a year including full coverage. Comprehensive insurance costs approximately $152 each year, collision costs $202, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,124 or more. 16-year-old drivers receive the highest rates at $4,008 a year or more.
Average premium for full coverage: $986
Rate estimates by individual coverage type:
Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and SX4 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $522 for just liability insurance to a high rate of $2,124 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how where you live affects auto insurance prices.
These examples highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Suzuki SX4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $599
- Raising to $1,000 deductibles will save $80 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $986
- Buying low deductibles will cost an extra $154 annually
- Drivers with multiple tickets or accidents could pay around $2,124 or more
- The cost for full coverage for a 16-year-old driver can cost $4,008
Insurance rates for a Suzuki SX4 can also vary considerably based on your driver profile, the model of your SX4, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age
Where you live also has a big influence on Suzuki SX4 insurance prices. A middle-age driver might find rates as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,410 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $892 | -$94 | -9.5% |
| Alaska | $756 | -$230 | -23.3% |
| Arizona | $818 | -$168 | -17.0% |
| Arkansas | $986 | -$0 | 0.0% |
| California | $1,124 | $138 | 14.0% |
| Colorado | $942 | -$44 | -4.5% |
| Connecticut | $1,014 | $28 | 2.8% |
| Delaware | $1,116 | $130 | 13.2% |
| Florida | $1,234 | $248 | 25.2% |
| Georgia | $910 | -$76 | -7.7% |
| Hawaii | $710 | -$276 | -28.0% |
| Idaho | $666 | -$320 | -32.5% |
| Illinois | $734 | -$252 | -25.6% |
| Indiana | $742 | -$244 | -24.7% |
| Iowa | $666 | -$320 | -32.5% |
| Kansas | $940 | -$46 | -4.7% |
| Kentucky | $1,346 | $360 | 36.5% |
| Louisiana | $1,460 | $474 | 48.1% |
| Maine | $608 | -$378 | -38.3% |
| Maryland | $812 | -$174 | -17.6% |
| Massachusetts | $790 | -$196 | -19.9% |
| Michigan | $1,714 | $728 | 73.8% |
| Minnesota | $826 | -$160 | -16.2% |
| Mississippi | $1,180 | $194 | 19.7% |
| Missouri | $876 | -$110 | -11.2% |
| Montana | $1,060 | $74 | 7.5% |
| Nebraska | $778 | -$208 | -21.1% |
| Nevada | $1,184 | $198 | 20.1% |
| New Hampshire | $710 | -$276 | -28.0% |
| New Jersey | $1,102 | $116 | 11.8% |
| New Mexico | $874 | -$112 | -11.4% |
| New York | $1,038 | $52 | 5.3% |
| North Carolina | $568 | -$418 | -42.4% |
| North Dakota | $810 | -$176 | -17.8% |
| Ohio | $682 | -$304 | -30.8% |
| Oklahoma | $1,014 | $28 | 2.8% |
| Oregon | $904 | -$82 | -8.3% |
| Pennsylvania | $942 | -$44 | -4.5% |
| Rhode Island | $1,316 | $330 | 33.5% |
| South Carolina | $892 | -$94 | -9.5% |
| South Dakota | $832 | -$154 | -15.6% |
| Tennessee | $864 | -$122 | -12.4% |
| Texas | $1,190 | $204 | 20.7% |
| Utah | $732 | -$254 | -25.8% |
| Vermont | $676 | -$310 | -31.4% |
| Virginia | $592 | -$394 | -40.0% |
| Washington | $764 | -$222 | -22.5% |
| West Virginia | $904 | -$82 | -8.3% |
| Wisconsin | $684 | -$302 | -30.6% |
| Wyoming | $880 | -$106 | -10.8% |
Opting for high physical damage deductibles can reduce rates by up to $240 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Suzuki SX4 LE | $966 | $81 |
| Suzuki SX4 Sport S | $1,004 | $84 |
| Suzuki SX4 Sport SE | $1,004 | $84 |
| Suzuki SX4 2WD | $944 | $79 |
| Suzuki SX4 AWD AWD | $962 | $80 |
| Suzuki SX4 Sport GTS | $1,022 | $85 |
| Suzuki SX4 Sportback 2WD | $962 | $80 |
| Suzuki SX4 Technology 2WD | $962 | $80 |
| Suzuki SX4 Technology AWD | $994 | $83 |
| Suzuki SX4 Touring AWD | $994 | $83 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Suzuki SX4 | $152 | $202 | $474 | $986 |
Rates are averaged for all Suzuki SX4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Suzuki SX4 Insurance
Saving money on insurance for a Suzuki SX4 consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The following is a brief recap of the data touched on in the above illustrations.
- Insureds who purchase higher liability limits will pay around $520 per year to raise from a minimum limit to 250/500 limits
- You may be able to save around $110 per year simply by quoting online in advance
- Increasing deductibles can save around $225 each year
- Teens are expensive to insure, as much as $334 per month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,008 |
| 20 | $2,258 |
| 30 | $1,002 |
| 40 | $986 |
| 50 | $904 |
| 60 | $886 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,140 |
| $250 | $1,070 |
| $500 | $986 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $986 |
| 50/100 | $1,089 |
| 100/300 | $1,207 |
| 250/500 | $1,515 |
| 100 CSL | $1,136 |
| 300 CSL | $1,397 |
| 500 CSL | $1,587 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,638 |
| 20 | $3,602 |
| 30 | $2,138 |
| 40 | $2,124 |
| 50 | $2,032 |
| 60 | $2,010 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $66 |
| Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
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