Suzuki SX4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2023

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Average auto insurance rates for a Suzuki SX4 are $986 annually for full coverage. Comprehensive costs an estimated $152, collision costs $202, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,124. Teen drivers receive the highest rates at $4,008 a year or more.

Average premium for full coverage: $986

Rate estimates broken down by individual coverage type:

Comprehensive $152
Collision $202
Liability $474

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all SX4 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,124 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $986
High Risk $2,124

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The example below illustrates how where you live affects insurance prices.

Rural Areas $740
Small Cities $1,035
Large Cities $1,331

These examples show why everyone should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $599
  • Choosing higher $1,000 deductibles can save approximately $80 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $986
  • Choosing pricier low deductibles for comp and collision coverage will cost $1,140
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,124 or more
  • The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,008 each year

View Chart as Image

Suzuki SX4 insurance cost comparison chart
Column chart showing full coverage Suzuki SX4 insurance rates range from $599 to $4,008

Car insurance rates for a Suzuki SX4 can also vary considerably based on the trim level of your SX4, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,700 extra per year, depending on your age. Suzuki SX4 insurance for high-risk drivers ranges from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $240 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Suzuki SX4 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,410 on average in New York, Louisiana, and Michigan.

Suzuki SX4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $892 -$94 -9.5%
Alaska $756 -$230 -23.3%
Arizona $818 -$168 -17.0%
Arkansas $986 -$0 0.0%
California $1,124 $138 14.0%
Colorado $942 -$44 -4.5%
Connecticut $1,014 $28 2.8%
Delaware $1,116 $130 13.2%
Florida $1,234 $248 25.2%
Georgia $910 -$76 -7.7%
Hawaii $710 -$276 -28.0%
Idaho $666 -$320 -32.5%
Illinois $734 -$252 -25.6%
Indiana $742 -$244 -24.7%
Iowa $666 -$320 -32.5%
Kansas $940 -$46 -4.7%
Kentucky $1,346 $360 36.5%
Louisiana $1,460 $474 48.1%
Maine $608 -$378 -38.3%
Maryland $812 -$174 -17.6%
Massachusetts $790 -$196 -19.9%
Michigan $1,714 $728 73.8%
Minnesota $826 -$160 -16.2%
Mississippi $1,180 $194 19.7%
Missouri $876 -$110 -11.2%
Montana $1,060 $74 7.5%
Nebraska $778 -$208 -21.1%
Nevada $1,184 $198 20.1%
New Hampshire $710 -$276 -28.0%
New Jersey $1,102 $116 11.8%
New Mexico $874 -$112 -11.4%
New York $1,038 $52 5.3%
North Carolina $568 -$418 -42.4%
North Dakota $810 -$176 -17.8%
Ohio $682 -$304 -30.8%
Oklahoma $1,014 $28 2.8%
Oregon $904 -$82 -8.3%
Pennsylvania $942 -$44 -4.5%
Rhode Island $1,316 $330 33.5%
South Carolina $892 -$94 -9.5%
South Dakota $832 -$154 -15.6%
Tennessee $864 -$122 -12.4%
Texas $1,190 $204 20.7%
Utah $732 -$254 -25.8%
Vermont $676 -$310 -31.4%
Virginia $592 -$394 -40.0%
Washington $764 -$222 -22.5%
West Virginia $904 -$82 -8.3%
Wisconsin $684 -$302 -30.6%
Wyoming $880 -$106 -10.8%

View Chart as Image

Suzuki SX4 insurance rates by U.S. city

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

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 $966 $81
Suzuki SX4 Sport S $1,004 $84
Suzuki SX4 Sport SE $1,004 $84
Suzuki SX4 2WD $944 $79
Suzuki SX4 AWD AWD $962 $80
Suzuki SX4 Sport GTS $1,022 $85
Suzuki SX4 Sportback 2WD $962 $80
Suzuki SX4 Technology 2WD $962 $80
Suzuki SX4 Technology AWD $994 $83
Suzuki SX4 Touring AWD $994 $83

Rates assume 2009 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 $152 $202 $474 $986

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 Buy the Best Suzuki SX4 Insurance

Saving money on insurance for a Suzuki SX4 takes being safe and accident-free, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief recap of the data touched on in the above illustrations.

  • Insureds who want more liability protection will pay about $520 each year to raise limits from a minimum limit to higher 250/500 limits
  • Drivers can save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $225 each year
  • Youthful drivers have the highest car insurance rates, costing as high as $334 per month if comprehensive and collision insurance is included

Rates by Driver Age

Suzuki SX4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,008
20 $2,258
30 $1,002
40 $986
50 $904
60 $886

Full coverage, $500 deductibles

Rates by Deductible

Suzuki SX4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,140
$250 $1,070
$500 $986
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

Suzuki SX4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $986
50/100 $1,089
100/300 $1,207
250/500 $1,515
100 CSL $1,136
300 CSL $1,397
500 CSL $1,587

Full coverage, driver age 40

Rates for High Risk Drivers

Suzuki SX4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,638
20 $3,602
30 $2,138
40 $2,124
50 $2,032
60 $2,010

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 $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $66
Total Discounts $387
Rate after discounts $599

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

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