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 an estimated $308, collision costs $532, and liability is estimated at $372. A liability-only policy costs approximately $438 a year, with high-risk insurance costing $2,954 or more. 16-year-old drivers cost the most to insure at $5,052 a year or more.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

Comprehensive $308
Collision $532
Liability $372

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

Price Range Variability

For a driver in their 40's, Suzuki SX4 insurance rates go from as low as $438 for the bare minimum liability coverage to the much higher price 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

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how location helps determine insurance prices.

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

The examples above highlight why everyone should get quotes for a targeted area and risk profile, instead of using rate averages.

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 Information

The chart below breaks down estimated Suzuki SX4 insurance rates for other coverage scenarios.

  • The best full coverage rate is $791
  • Choosing higher $1,000 deductibles can save approximately $192 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,370
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $368 every year
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,954 or more
  • Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,052 each year

View Chart as Image

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

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

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Suzuki SX4 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.

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

Opting for high physical damage deductibles can save as much as $560 every year, whereas buying more liability protection will increase premiums. Changing 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 are likely paying $1,600 to $2,200 extra every year, depending on your age. Suzuki SX4 insurance for high-risk drivers ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 More Affordable Suzuki SX4 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the ideas that were covered in the charts and tables above.

  • Teens have the highest car insurance rates, with premiums being up to $421 each month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,580 more annually for SX4 insurance
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date

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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