Suzuki SX4 Insurance Rates

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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: Aug 23, 2022

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The average insurance prices for a Suzuki SX4 are $1,016 every 12 months for full coverage insurance. Comprehensive costs an estimated $162, collision insurance costs $222, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,192. 16-year-old drivers cost the most to insure at up to $4,102 a year.

Average premium for full coverage: $1,016

Policy rates broken down by type of insurance:

Comprehensive $162
Collision $222
Liability $474

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all SX4 models.

Price Range Variability

For a driver in their 40's, Suzuki SX4 insurance rates range from the cheapest price of $522 for minimum levels of liability insurance to the much higher price of $2,192 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,016
High Risk $2,192

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how location helps determine insurance prices.

Rural Areas $762
Small Cities $1,067
Large Cities $1,372

The examples above illustrate why everyone should compare prices for a targeted area and their own driving history, rather than using rate 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 Details

The chart below illustrates average Suzuki SX4 insurance rates for other coverage scenarios.

  • The best full coverage rate is $615
  • Using higher $1,000 deductibles will save approximately $86 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,016
  • Buying pricier low deductibles for physical damage coverage increases the price to $1,184
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,192
  • Policy cost to insure a teenage driver for full coverage can cost as much as $4,102 or more

View Chart as Image

Suzuki SX4 insurance cost comparison chart
Column chart showing Suzuki SX4 insurance rates range from $615 to $4,102 for full coverage

Car insurance rates for a Suzuki SX4 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $260 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,100 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 probably paying $1,200 to $1,700 extra every year, depending on your age. Suzuki SX4 insurance for high-risk drivers can be around 41% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Suzuki SX4 insurance rates. A driver around age 40 might see rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,370 on average in Florida, New York, and Michigan.

Suzuki SX4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $920 -$96 -9.4%
Alaska $778 -$238 -23.4%
Arizona $842 -$174 -17.1%
Arkansas $1,016 -$0 0.0%
California $1,160 $144 14.2%
Colorado $970 -$46 -4.5%
Connecticut $1,044 $28 2.8%
Delaware $1,152 $136 13.4%
Florida $1,272 $256 25.2%
Georgia $938 -$78 -7.7%
Hawaii $730 -$286 -28.1%
Idaho $686 -$330 -32.5%
Illinois $756 -$260 -25.6%
Indiana $764 -$252 -24.8%
Iowa $686 -$330 -32.5%
Kansas $968 -$48 -4.7%
Kentucky $1,388 $372 36.6%
Louisiana $1,504 $488 48.0%
Maine $628 -$388 -38.2%
Maryland $838 -$178 -17.5%
Massachusetts $814 -$202 -19.9%
Michigan $1,766 $750 73.8%
Minnesota $850 -$166 -16.3%
Mississippi $1,216 $200 19.7%
Missouri $902 -$114 -11.2%
Montana $1,092 $76 7.5%
Nebraska $802 -$214 -21.1%
Nevada $1,218 $202 19.9%
New Hampshire $730 -$286 -28.1%
New Jersey $1,136 $120 11.8%
New Mexico $902 -$114 -11.2%
New York $1,070 $54 5.3%
North Carolina $586 -$430 -42.3%
North Dakota $832 -$184 -18.1%
Ohio $702 -$314 -30.9%
Oklahoma $1,044 $28 2.8%
Oregon $930 -$86 -8.5%
Pennsylvania $970 -$46 -4.5%
Rhode Island $1,354 $338 33.3%
South Carolina $920 -$96 -9.4%
South Dakota $858 -$158 -15.6%
Tennessee $890 -$126 -12.4%
Texas $1,226 $210 20.7%
Utah $752 -$264 -26.0%
Vermont $696 -$320 -31.5%
Virginia $610 -$406 -40.0%
Washington $788 -$228 -22.4%
West Virginia $930 -$86 -8.5%
Wisconsin $704 -$312 -30.7%
Wyoming $906 -$110 -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 $994 $83
Suzuki SX4 Sport S $1,036 $86
Suzuki SX4 Sport SE $1,036 $86
Suzuki SX4 2WD $972 $81
Suzuki SX4 AWD AWD $990 $83
Suzuki SX4 Sport GTS $1,056 $88
Suzuki SX4 Sportback 2WD $990 $83
Suzuki SX4 Technology 2WD $990 $83
Suzuki SX4 Technology AWD $1,024 $85
Suzuki SX4 Touring AWD $1,024 $85

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 $162 $222 $474 $1,016

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 Cheap Suzuki SX4 Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick review of the concepts that were covered in the charts and tables above.

  • Drivers with a DUI or reckless driving violation could be forced to pay on average $1,180 more annually for auto insurance
  • Teenage drivers have the highest car insurance rates, possibly costing $342 each month if the policy includes full coverage
  • It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Suzuki SX4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,102
20 $2,328
30 $1,034
40 $1,016
50 $934
60 $914

Full coverage, $500 deductibles

Rates by Deductible

Suzuki SX4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,184
$250 $1,108
$500 $1,016
$1,000 $930

Full coverage, driver age 40

Rates by Liability Limit

Suzuki SX4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,016
50/100 $1,119
100/300 $1,237
250/500 $1,545
100 CSL $1,166
300 CSL $1,427
500 CSL $1,617

Full coverage, driver age 40

Rates for High Risk Drivers

Suzuki SX4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,780
20 $3,714
30 $2,208
40 $2,192
50 $2,096
60 $2,074

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 $137

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $62
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $45
Online Quote $69
Total Discounts $401
Rate after discounts $615

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

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