Suzuki SX4 Insurance Rates

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Cheapest 2009 Suzuki SX4 Insurance Rates in 2025

I can't think of a single person who likes paying for insurance, in particular when they are paying too much. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest price You need to check insurance prices before your policy renews since rates change regularly. Even if you got the best rates for SX4 insurance a...

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UPDATED: Jun 4, 2023

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U.S. average insurance prices for a Suzuki SX4 are $1,370 every 12 months for full coverage. Comprehensive costs approximately $308, collision insurance costs $532, and liability costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $2,954. Teens pay the highest rates at up to $5,052 a year.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Comprehensive $308
Collision $532
Liability $372

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different SX4 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Suzuki SX4 insurance prices range from the cheapest price of $438 for just liability insurance to a much higher rate of $2,954 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,370
High Risk $2,954

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on averaged prices.

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.

More Rate Details

The chart below shows average Suzuki SX4 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $791
  • Drivers who choose higher $1,000 deductibles will pay $192 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,370
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,738
  • Drivers with serious driving violations could pay around $2,954
  • The price to insure a 16-year-old driver with full coverage can cost $5,052 a year

View Chart as Image

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

Insurance prices for a Suzuki SX4 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your SX4.

Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Suzuki SX4 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,960 on average in New York, Louisiana, 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

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 Shop for the Best Suzuki SX4 Insurance

Getting lower rates on insurance for a Suzuki SX4 not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the ideas that were raised in the charts and tables above.

  • Teenage drivers are the costliest to insure, with premiums as much as $421 a month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,580 more per year for auto insurance
  • Increasing physical damage deductibles could save as much as $550 each year
  • Drivers can save around $160 per year just by shopping early and online

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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