Suzuki SX4 Insurance Rates

The average insurance rates for a Suzuki SX4 are $1,370 a year for full coverage. Comprehensive insurance costs around $308 a year, collision costs $532, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,954 or more. Teenage drivers cost the most to insure at $5,052 a year or more.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and SX4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated 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 $1,178 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,370
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $368 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,954 or more
• Policy cost for full coverage for a teen driver can be $5,052 a year

View Chart as Image

Car insurance rates for a Suzuki SX4 also range considerably based on your risk profile, the trim level of your SX4, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Your home state makes a big difference in Suzuki SX4 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $560 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Suzuki SX4 Insurance

Finding cheaper rates on Suzuki SX4 insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the material that was raised in the charts and tables above.

• Drivers who may need an increased level of liability coverage will pay an extra $410 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, costing up to $421 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,580 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $550 each year