Suzuki SX4 Insurance Rates

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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 including full coverage. Comprehensive insurance costs around $308 each year, collision insurance costs $532, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $2,954 or more. Teens 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:

Comprehensive $308
Collision $532
Liability $372

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and SX4 models.

Price Range Variability

For a driver in their 40's, Suzuki SX4 insurance rates range from the low end price of $438 for minimum levels of liability insurance to a high rate of $2,954 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,370
High Risk $2,954

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

The examples above highlight why all drivers should compare rates for a specific zip code, 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 average Suzuki SX4 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $791
  • Drivers who choose higher $1,000 deductibles will pay about $192 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,370
  • Selecting low deductibles for comprehensive and collision insurance will cost an additional $368 annually
  • Drivers with serious driving violations could pay at least $2,954
  • Policy cost that insures a 16-year-old driver can be $5,052 a year

View Chart as Image

Suzuki SX4 insurance cost comparison chart
Column chart showing Suzuki SX4 insurance prices range from $791 to $5,052 for full coverage

Insurance rates for a Suzuki SX4 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision 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, since even teens with perfect driving records 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 $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,960 on average in Michigan, New York, and Louisiana.

Suzuki SX4 Insurance Rates by State
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%

View Chart as Image

Suzuki SX4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

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 $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 2025 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 $148 $182 $468 $956

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 Cheapest Suzuki SX4 Insurance

Finding cheaper rates on insurance for a Suzuki SX4 not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a recap of the ideas that were covered in the charts and tables above.

  • Teenagers are charged the highest rates, with premiums being up to $421 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk that have major violations or accidents may have to pay on average $1,580 more every year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • You may be able to save up to $160 per year just by quoting online in advance

Rates by Driver Age

Suzuki SX4 Insurance 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

Suzuki SX4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,568
$500 $1,370
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Suzuki SX4 Insurance Rates with Different Liability Limits
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

Suzuki SX4 Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $791

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

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