Suzuki Insurance

Find the Best Suzuki Insurance

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Suzuki has been known for offering smaller vehicles in the US since the 1980s. Currently, their US offerings focus solely on ATVs, motorcycles, and the marine product line. You can still get older car model Suzukis.

You'll need the right car insurance for your Suzuki, and an independent insurance agent will assist you in finding a policy that suits all your needs. 

Not sure where to begin? 

You can use a find-an-agent tool here that matches you with an independent insurance agent in your area. An agent will help you find the best price on coverage for your Suzuki. 

What Kind of Insurance Do You Need for Your Suzuki? 

You will have a variety of options to choose from when it comes to insuring your Suzuki. State laws vary from state to state depending on where you live. Some optional coverages may make sense if you want to be well protected. 

Most states mandate the following coverage: 

Bodily Injury Liability: Bodily injury liability coverage will pay for medical expenses that result from a car accident that causes injury to your passengers, pedestirans, or other drivers. It will even cover lost wages if anyone has to be out of work due to a related injury.

Property Damage Liability: If you or a permitted driver of your car cause property damage to another party, your property damage liability policy will respond. This coverage will pay for the replacement or repair of a structure or vehicle. Property damage liability will not cover damage to your car however. 

Many states require this coverage: 

Medical Payments/Personal Injury Protection: An accident causing injury to you or your passengers will be covered by medical payments (med pay) or personal injury protection (PIP) coverage. Med pay or PIP pays for smaller necessary medical treatments. PIP insurance is available in "no-fault" states and a requirement in most. Other states that do not participate in PIP will have med pay insurance.

Uninsured and Underinsured Motorist Coverage: Uninsured and underinsured motorist (UM/UIM) coverage pays for damages to your vehicle when the other party is at fault and does not have enough or any insurance. UM/UIM insurance is not always a required coverage, but it is essential to be adequately covered. 

Optional Coverage: 

Collision: Collision coverage will pay for damages on your behalf for another person's property should an accident occur. Without it, your personal finances could be on the line.

Comprehensive: Your Suzuki is at risk, even parked in your garage. Due to natural disasters, storms, and other incidents out of your control, your car's damage is covered with comprehensive insurance. 

Glass Coverage: Your Suzuki's windshield could cost between $300 and $500. Instead of paying that cost on your own, you could have your windshield replaced with zero-deductible glass coverage. Glass coverage is an endorsement typically costing only a few extra dollars per year. 

Gap Insurance: Financing or leasing your Suzuki calls for gap coverage. This insurance will pay the difference between your car's value and the outstanding amount owed on a loan or lease. If you are in an accident and your vehicle is a total loss, gap insurance is a crucial coverage. Without it, you'll be responsible for paying the difference yourself. 

What Affects the Cost of Insurance for Your Suzuki

Several factors go into calculating insurance premiums for a Suzuki. For instance, younger drivers tend to pay higher rates due to lack of experience, and statistics show that they are more likely to be involved in an accident. Teen Suzuki drivers spend an average of $5,196 per year for insurance. With the average lowest premium being $815 annually. Those with multiple driving violations or accidents will pay higher premiums. A high-risk driver pays an average of $3,052 per year for Suzuki insurance. 

Average Cost of Suzuki Insurance by Model

The type of Suzuki you drive also affects your insurance rates. The below premiums assume that the driver has a clean driving history and is a 40-year-old male. The policies also represent a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states. 

Average annual insurance premium for a new Suzuki by model
Suzuki Equator$1,370
Suzuki Grand Vitara$1,472
Suzuki Kizashi$1,428
Suzuki SX4$1,370

The Safety of Your Suzuki

How likely you are to file a claim when you drive a specific type of car will be associated with safety features. Fortunately, Suzuki has good ratings for features that come standard in its vehicle offerings.

Suzuki has very secure emergency handling and includes a spacious rear seat in its SUV model and a generous list of standard amenities. 

How Location Affects Your Suzuki Insurance

Living in certain states could earn you a lower car insurance premium, while your rates could be higher in other areas. Carriers will determine the pricing based on local crime rates, traffic patterns, and the number of claims filed in an area.

Average yearly auto insurance rates are the least expensive in these states:
Ohio$1,002
Indiana$1,017
Washington$1,167
Arizona$1,392
Illinois$1,606


Average yearly auto insurance rates are most expensive in these states:
California$2,043
New York$1,893
Texas$1,875
Florida$1,735
Pennsylvania$1,599

Average Cost to Insure a Suzuki

The average annual policy rate in the US for a Suzuki is $1,414. Your costs will vary according to the type of coverages you choose, your location, your age, and your driving history. 

Here's how Suzuki rates change for younger vs. older drivers:

Suzuki rates by age for full coverage with a $500 deductible
AgePremium
16$5,196
20$3,256
30$1,482
40$1,414
50$1,292
60$1,266

Top Independent Insurance Carriers That Insure the Suzuki

Having the right protection for your Suzuki is essential, and so is the company that provides that coverage. Your insurance company should be responsive to claims and endorsements. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Get a Suzuki Quote 

Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Suzuki. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.

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TrustedChoice.com Article | Reviewed by Candace Jenkins

©2020, Consumer Agent Portal, LLC. All rights reserved.

https://www.quoteinspector.com/insurance/vehicles/suzuki/

https://www.jdpower.com/business/press-releases/2019-us-independent-insurance-agent-satisfaction-study

https://www.consumerreports.org/cars/suzuki/