Suzuki SX4 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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Average insurance prices for a Suzuki SX4 are $1,370 every 12 months for full coverage. Comprehensive insurance costs an estimated $308 a year, collision costs $532, and liability is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing $2,954 or more. Teens receive the highest rates at $5,052 a year or more.
Average premium for full coverage: $1,370
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and SX4 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $438 for basic liability insurance to a high of $2,954 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples show why it is important to compare rates quotes for a targeted area and their own driving history, 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.
Rate Comparisons
The chart below shows estimated Suzuki SX4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $791
- Raising to $1,000 deductibles will save approximately $1,178 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,370
- Selecting low $100 deductibles costs an extra $368 annually
- Drivers with serious driving violations could pay up to $2,954 or more
- The cost to insure a 16-year-old driver can cost as much as $5,052
Insurance rates for a Suzuki SX4 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $560 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Suzuki SX4 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,960 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,238 | -$132 | -9.6% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,560 | $190 | 13.9% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,408 | $38 | 2.8% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,714 | $344 | 25.1% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $986 | -$384 | -28.0% |
| Idaho | $926 | -$444 | -32.4% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,030 | -$340 | -24.8% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,870 | $500 | 36.5% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,130 | -$240 | -17.5% |
| Massachusetts | $1,096 | -$274 | -20.0% |
| Michigan | $2,380 | $1,010 | 73.7% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,640 | $270 | 19.7% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,080 | -$290 | -21.2% |
| Nevada | $1,644 | $274 | 20.0% |
| New Hampshire | $988 | -$382 | -27.9% |
| New Jersey | $1,532 | $162 | 11.8% |
| New Mexico | $1,212 | -$158 | -11.5% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $790 | -$580 | -42.3% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $944 | -$426 | -31.1% |
| Oklahoma | $1,408 | $38 | 2.8% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,828 | $458 | 33.4% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,202 | -$168 | -12.3% |
| Texas | $1,650 | $280 | 20.4% |
| Utah | $1,016 | -$354 | -25.8% |
| Vermont | $938 | -$432 | -31.5% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,060 | -$310 | -22.6% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Suzuki SX4 LE | $1,328 | $111 |
| Suzuki SX4 Sport S | $1,418 | $118 |
| Suzuki SX4 Sport SE | $1,418 | $118 |
| Suzuki SX4 2WD | $1,262 | $105 |
| Suzuki SX4 AWD AWD | $1,308 | $109 |
| Suzuki SX4 Sport GTS | $1,464 | $122 |
| Suzuki SX4 Sportback 2WD | $1,308 | $109 |
| Suzuki SX4 Technology 2WD | $1,308 | $109 |
| Suzuki SX4 Technology AWD | $1,384 | $115 |
| Suzuki SX4 Touring AWD | $1,384 | $115 |
Rates assume 2026 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 | $146 | $178 | $460 | $942 |
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 More Affordable Suzuki SX4 Insurance
Saving money on insurance for a Suzuki SX4 consists of being safe and accident-free, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a summary of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $160 per year simply by quoting early and online
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,580 more annually than a low-risk driver
- Increasing deductibles could save as much as $550 each year
- Youthful drivers are expensive to insure, costing as high as $421 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,052 |
| 20 | $3,150 |
| 30 | $1,432 |
| 40 | $1,370 |
| 50 | $1,252 |
| 60 | $1,226 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,568 |
| $500 | $1,370 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,458 |
| 100/300 | $1,551 |
| 250/500 | $1,793 |
| 100 CSL | $1,496 |
| 300 CSL | $1,700 |
| 500 CSL | $1,849 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,208 |
| 20 | $5,000 |
| 30 | $3,018 |
| 40 | $2,954 |
| 50 | $2,814 |
| 60 | $2,788 |
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 | $73 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $63 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $579 |
Discounts are estimated and may not be available from every company or in every state.
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