Suzuki SX4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Suzuki SX4 are $1,370 every 12 months including full coverage. Comprehensive costs on average $308 a year, collision costs $532, and liability costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing around $2,954. Teenage drivers pay the highest rates at $5,052 a year or more.
Average premium for full coverage: $1,370
Price estimates by individual coverage:
Prices include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and SX4 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Suzuki SX4 insurance prices go from the cheapest price of $438 for minimum levels of liability insurance to a high of $2,954 for high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and their own driving history, instead of using 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 Details
The chart below breaks down estimated Suzuki SX4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $791
- Using higher $1,000 deductibles will save around $1,178 every year
- The average price for the average middle-age driver with $500 deductibles is $1,370
- Using low $100 deductibles for physical damage coverage increases the price to $1,738
- Drivers who are prone to accidents and violations could pay upwards of $2,954 or more
- The price to insure a teen driver may cost $5,052 or more
Insurance prices for a Suzuki SX4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your SX4.
Using high physical damage deductibles could cut prices by as much as $560 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by 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 little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Suzuki SX4 insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices may be quite 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 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.
| 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 Shop for the Right Suzuki SX4 Insurance
Getting lower rates on car insurance requires having a good driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick rundown of the material that was touched on in the above illustrations.
- Policyholders who require increased levels of liability coverage will pay an extra $410 per year to increase from a low limit to a 250/500 level
- Drivers age 20 and younger pay higher prices, possibly costing $421 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,580 more each year to buy Suzuki SX4 insurance
- Increasing physical damage deductibles could save as much as $550 each year
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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