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 including full coverage. Comprehensive insurance costs approximately $308 a year, collision costs $532, and liability insurance is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing $2,954 or more. Teen drivers cost the most to insure at $5,052 a year or more.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and SX4 trim levels.
Price Range Variability
For the average driver, Suzuki SX4 insurance rates go from the cheapest price of $438 for just the minimum liability insurance to a high of $2,954 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than relying 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.
Additional Rate Analysis
The chart below breaks down estimated Suzuki SX4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $791
- Raising to $1,000 deductibles will save $1,178 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,370
- Choosing low $100 deductibles costs an extra $368 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,954 or more
- Policy cost to insure a teen driver can cost $5,052
Car insurance rates for a Suzuki SX4 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your SX4.
Choosing high deductibles can reduce rates by up to $560 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark 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 are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
Your home state also has a big influence on Suzuki SX4 insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,960 on average in Louisiana, New York, and Michigan.
| 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.
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 consists of avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a summary of the data touched on above.
- Drivers who purchase higher liability limits will pay about $410 per year to raise from a 30/60 limit to a 250/500 level
- You may be able to save around $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Teenagers pay the highest auto insurance rates, with premiums being up to $421 each month if the policy includes full coverage
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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