Suzuki Kizashi Insurance Rates

The average insurance rates for a Suzuki Kizashi are $1,044 a year for full coverage insurance. Comprehensive costs an estimated $176, collision costs $236, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,246. 16-year-old drivers cost the most to insure at $4,174 a year or more.

Average premium for full coverage: $1,044

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Kizashi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Suzuki Kizashi insurance rates for other coverage scenarios.

• The best full coverage rate is $632
• Drivers who choose higher $1,000 deductibles will pay approximately $94 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,044
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,222
• High risk drivers with multiple tickets or accidents could pay up to $2,246 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,174 a year

View Chart as Image

Car insurance rates for a Suzuki Kizashi also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,100 a year. View Rates by Age

Your home state makes a big difference in Suzuki Kizashi insurance rates. A 40-year-old driver could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,410 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $280 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 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 probably paying $1,200 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company 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

Rates assume 2011 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.

How to Find the Right Suzuki Kizashi Insurance

Finding cheaper rates on Suzuki Kizashi insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $348 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,200 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $275 each year
• It is possible to save approximately $120 per year simply by shopping early and online