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 prices for a Suzuki SX4 are $1,370 every 12 months for full coverage. Comprehensive costs on average $308 each year, collision insurance costs $532, and liability insurance costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers 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 by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and SX4 models.
Price Range Variability
For a driver around age 40, Suzuki SX4 insurance rates range from the cheapest price of $438 for a discount liability-only rate to a high rate of $2,954 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and their own driving history, rather than relying 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.
Rates by State, City, and Model
The chart below shows average Suzuki SX4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $791
- Drivers who choose higher $1,000 deductibles will pay around $192 a year
- The average price for a good driver age 40 with $500 deductibles is $1,370
- Using low deductibles for comprehensive and collision insurance increases the price to $1,738
- High risk drivers who are prone to accidents and violations could pay upwards of $2,954
- Policy cost to insure a teen driver may cost $5,052 a year
Insurance rates for a Suzuki SX4 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your SX4.
Using high physical damage deductibles could save up to $560 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher 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, since even excellent drivers can expect to pay upwards of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates
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.
| 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% |
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 Shop for More Affordable Suzuki SX4 Insurance
Finding cheaper rates on Suzuki SX4 insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The items below are a summary of the information covered above.
- Drivers can save as much as $160 per year just by quoting online in advance
- Teen drivers pay the highest rates, costing up to $421 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- High-risk drivers who have multiple accidents or major violations pay an average of $1,580 more each year to insure their SX4
- Drivers who require more liability coverage will pay an extra $410 each year to go from a 30/60 limit to a 250/500 level
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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