Suzuki SX4 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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The average insurance rates for a Suzuki SX4 are $1,370 a year for full coverage insurance. Comprehensive costs around $308, collision insurance costs $532, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $2,954. Teenage drivers cost the most to insure at up to $5,052 a year.
Average premium for full coverage: $1,370
Policy rates for type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different SX4 trim levels.
Price Range Variability
For a 40-year-old driver, Suzuki SX4 insurance rates range from as low as $438 for just the minimum liability insurance to a much higher rate of $2,954 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, 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.
Additional Rate Analysis
The chart below illustrates average Suzuki SX4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $791
- Drivers who choose higher $1,000 deductibles will pay about $192 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,370
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,738
- Drivers who are prone to accidents and violations could pay at least $2,954
- Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,052 a year
Insurance rates for a Suzuki SX4 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
Your home state makes a big difference in Suzuki SX4 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $560 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates
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 Find the Right Suzuki SX4 Insurance
Finding cheaper rates on insurance for a Suzuki SX4 not only requires being safe and accident-free, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the concepts that were illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,580 more every year than a low-risk driver
- Youthful drivers are charged the highest rates, possibly costing $421 each month including comprehensive and collision insurance
- It is possible to save up to $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- It is possible to save up to $160 per year just by shopping early and online
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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