Suzuki SX4 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Suzuki SX4 are $1,016 a year including full coverage. Comprehensive costs on average $162, collision costs $222, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,192. Teens cost the most to insure at $4,102 a year or more.
Average premium for full coverage: $1,016
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all SX4 models.
Price Range Variability
For a driver in their 40's, Suzuki SX4 insurance rates go from as low as $522 for minimum levels of liability insurance to the much higher price of $2,192 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location helps determine car insurance rates.
The examples above highlight why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Additional Rate Details
The chart below breaks down estimated Suzuki SX4 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $615
- Raising to $1,000 deductibles will save around $86 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,016
- Selecting pricier low deductibles will increase the cost to $1,184
- Drivers with serious driving violations could pay upwards of $2,192 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage may cost $4,102
Car insurance rates for a Suzuki SX4 also range considerably based on your risk profile, the model of your SX4, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age
Your home state also has a big influence on Suzuki SX4 insurance prices. A middle-age driver might find rates as low as $780 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,450 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $920 | -$96 | -9.4% |
| Alaska | $778 | -$238 | -23.4% |
| Arizona | $842 | -$174 | -17.1% |
| Arkansas | $1,016 | -$0 | 0.0% |
| California | $1,160 | $144 | 14.2% |
| Colorado | $970 | -$46 | -4.5% |
| Connecticut | $1,044 | $28 | 2.8% |
| Delaware | $1,152 | $136 | 13.4% |
| Florida | $1,272 | $256 | 25.2% |
| Georgia | $938 | -$78 | -7.7% |
| Hawaii | $730 | -$286 | -28.1% |
| Idaho | $686 | -$330 | -32.5% |
| Illinois | $756 | -$260 | -25.6% |
| Indiana | $764 | -$252 | -24.8% |
| Iowa | $686 | -$330 | -32.5% |
| Kansas | $968 | -$48 | -4.7% |
| Kentucky | $1,388 | $372 | 36.6% |
| Louisiana | $1,504 | $488 | 48.0% |
| Maine | $628 | -$388 | -38.2% |
| Maryland | $838 | -$178 | -17.5% |
| Massachusetts | $814 | -$202 | -19.9% |
| Michigan | $1,766 | $750 | 73.8% |
| Minnesota | $850 | -$166 | -16.3% |
| Mississippi | $1,216 | $200 | 19.7% |
| Missouri | $902 | -$114 | -11.2% |
| Montana | $1,092 | $76 | 7.5% |
| Nebraska | $802 | -$214 | -21.1% |
| Nevada | $1,218 | $202 | 19.9% |
| New Hampshire | $730 | -$286 | -28.1% |
| New Jersey | $1,136 | $120 | 11.8% |
| New Mexico | $902 | -$114 | -11.2% |
| New York | $1,070 | $54 | 5.3% |
| North Carolina | $586 | -$430 | -42.3% |
| North Dakota | $832 | -$184 | -18.1% |
| Ohio | $702 | -$314 | -30.9% |
| Oklahoma | $1,044 | $28 | 2.8% |
| Oregon | $930 | -$86 | -8.5% |
| Pennsylvania | $970 | -$46 | -4.5% |
| Rhode Island | $1,354 | $338 | 33.3% |
| South Carolina | $920 | -$96 | -9.4% |
| South Dakota | $858 | -$158 | -15.6% |
| Tennessee | $890 | -$126 | -12.4% |
| Texas | $1,226 | $210 | 20.7% |
| Utah | $752 | -$264 | -26.0% |
| Vermont | $696 | -$320 | -31.5% |
| Virginia | $610 | -$406 | -40.0% |
| Washington | $788 | -$228 | -22.4% |
| West Virginia | $930 | -$86 | -8.5% |
| Wisconsin | $704 | -$312 | -30.7% |
| Wyoming | $906 | -$110 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $260 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Suzuki SX4 insurance for high-risk drivers is expensive and can cost from 41% to 131% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Suzuki SX4 LE | $994 | $83 |
| Suzuki SX4 Sport S | $1,036 | $86 |
| Suzuki SX4 Sport SE | $1,036 | $86 |
| Suzuki SX4 2WD | $972 | $81 |
| Suzuki SX4 AWD AWD | $990 | $83 |
| Suzuki SX4 Sport GTS | $1,056 | $88 |
| Suzuki SX4 Sportback 2WD | $990 | $83 |
| Suzuki SX4 Technology 2WD | $990 | $83 |
| Suzuki SX4 Technology AWD | $1,024 | $85 |
| Suzuki SX4 Touring AWD | $1,024 | $85 |
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 | $162 | $222 | $474 | $1,016 |
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 Cheap Suzuki SX4 Insurance
Finding cheaper rates on insurance for a Suzuki SX4 consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the data covered in the charts and tables above.
- Insureds who require additional liability coverage will pay approximately $520 per year to raise from a 30/60 limit to 250/500 limits
- You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $250 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $342 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,102 |
| 20 | $2,328 |
| 30 | $1,034 |
| 40 | $1,016 |
| 50 | $934 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,184 |
| $250 | $1,108 |
| $500 | $1,016 |
| $1,000 | $930 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,016 |
| 50/100 | $1,119 |
| 100/300 | $1,237 |
| 250/500 | $1,545 |
| 100 CSL | $1,166 |
| 300 CSL | $1,427 |
| 500 CSL | $1,617 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,780 |
| 20 | $3,714 |
| 30 | $2,208 |
| 40 | $2,192 |
| 50 | $2,096 |
| 60 | $2,074 |
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 | $51 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $37 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $401 |
Discounts are estimated and may not be available from every company or in every state.
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