Suzuki SX4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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:

Comprehensive $162
Collision $222
Liability $474

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.

Liability Only $522
Full Coverage $1,016
High Risk $2,192

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.

Rural Areas $762
Small Cities $1,067
Large Cities $1,372

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

View Chart as Image

Suzuki SX4 insurance cost comparison chart
Column chart showing full coverage Suzuki SX4 insurance rates range from $615 to $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.

Suzuki SX4 Insurance Rates by State
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%

View Chart as Image

Suzuki SX4 insurance rates by U.S. city

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

Suzuki SX4 Insurance Rates by Model and Trim Level
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.

Suzuki SX4 Insurance Rates by Model Year
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

Rates by Driver Age

Suzuki SX4 Insurance 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

Suzuki SX4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,184
$250 $1,108
$500 $1,016
$1,000 $930

Full coverage, driver age 40

Rates by Liability Limit

Suzuki SX4 Insurance Rates with Different Liability Limits
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

Suzuki SX4 Insurance 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.

SR-22 Surcharge $137

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
Rate after discounts $615

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

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