Suzuki SX4 Insurance Rates

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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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Average auto insurance rates for a Suzuki SX4 are $1,016 annually including full coverage. Comprehensive costs an estimated $162 a year, collision insurance costs $222, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,192. Teenage drivers receive the highest rates at up to $4,102 a year.

Average premium for full coverage: $1,016

Rate estimates broken down by individual coverage type:

Comprehensive $162
Collision $222
Liability $474

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and SX4 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as cheap as $522 for basic liability insurance to a high of $2,192 for a high-risk driver policy.

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

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

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

These examples highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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.

Rate Comparisons

The chart below breaks down average Suzuki SX4 insurance rates for other coverage scenarios.

  • The best discount rate is $615
  • Using higher $1,000 deductibles will save approximately $930 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,016
  • Using low $100 deductibles for physical damage coverage will cost $1,184
  • High-risk insureds who are prone to accidents and violations could pay up to $2,192
  • The cost with full coverage for a 16-year-old driver can cost as much as $4,102 or more

View Chart as Image

Suzuki SX4 insurance cost comparison chart
Column chart showing Suzuki SX4 insurance rates range from $615 to $4,102 for full coverage

Auto insurance rates for a Suzuki SX4 can also vary considerably based on the trim level of your SX4, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $260 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Suzuki SX4 insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,450 on average in Louisiana, New York, and Michigan.

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

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 Buy Cheaper Suzuki SX4 Insurance

Saving money on insurance for a Suzuki SX4 requires having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a condensed summary of the information raised in the charts and tables above.

  • You may be able to save approximately $110 per year just by quoting early and online
  • 16 to 18-year-old drivers are the costliest to insure, as much as $342 per month if full coverage is included
  • Increasing deductibles could save up to $250 each year
  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,180 more annually than a driver with a clean driving record
  • Insureds who want additional liability coverage will pay an extra $520 per year to increase from a minimum limit to higher 250/500 limits

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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