Suzuki SX4 Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Suzuki SX4 are $986 every 12 months for full coverage. Comprehensive costs on average $152 each year, collision costs $202, and liability coverage is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,124. 16-year-old drivers pay the most at $4,008 a year or more.
Average premium for full coverage: $986
Premium estimates by type of coverage:
Prices include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and SX4 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Suzuki SX4 go from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,124 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using 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.
Additional Rate Details
The chart below shows estimated Suzuki SX4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $599
- Raising to $1,000 deductibles will save around $80 a year
- The average price for a 40-year-old good driver with $500 deductibles is $986
- Buying low deductibles increases the price to $1,140
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,124 or more
- An auto insurance policy to insure a teenage driver may cost $4,008
Auto insurance prices for a Suzuki SX4 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your SX4.
Opting for high physical damage deductibles can reduce prices by up to $240 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Suzuki SX4 insurance rates. A middle-age driver might find prices as low as $650 a year in states like Idaho, Maine, and Iowa, or at least $1,410 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.
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 Shop for the Right Suzuki SX4 Insurance
Finding better rates on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The next list is a quick rundown of the data covered above.
- Consumers who require increased levels of liability coverage will pay around $520 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers can save as much as $110 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $225 each year
- Drivers age 20 and younger are charged the highest prices, as much as $334 per month if comprehensive and collision insurance is included
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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