Best Suzuki Car Insurance Rates in 2024 (Check Out the Top 10 Companies)
The best Suzuki car insurance rates come from State Farm, USAA, and Progressive. With rates starting at $29, you can get affordable coverage that doesn’t lack add-ons like roadside assistance. Get the cheapest Suzuki car insurance by taking advantage of our top companies’ discounts and UBI programs.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsState Farm, USAA, and Progressive have the best Suzuki car insurance rates.
State Farm takes our top spot for the best Suzuki car insurance because it offers affordable rates, accessible car insurance discounts, a robust UBI program, and excellent customer service. Since Suzuki discontinued car sales in America in 2013, you’ll get to enjoy used car insurance rates.
Our Top 10 Company Picks: Best Suzuki Car Insurance Rates
| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | B | Reliable Service | State Farm |
 | #2 | 10% | A++ | Military Focus | USAA |
 | #3 | 30% | A+ | Customizable Policies | Progressive |
 | #4 | 25% | A++ | Low Rates | Geico |
 | #5 | 20% | A+ | Bundling Benefits | Allstate |
 | #6 | 25% | A | Comprehensive Coverage | Liberty Mutual |
 | #7 | 15% | A | Agent Support | Farmers |
 | #8 | 20% | A+ | Affinity Discounts | Nationwide |
 | #9 | 15% | A++ | Hybrid Coverage | Travelers |
 | #10 | 20% | A | Teen Discounts | American Family |
If you drive a Suzuki, compare your choices for the best insurance below. Then, enter your ZIP code into our free comparison tool above to see personalized quotes.
- Suzuki stopped manufacturing cars in 2013, so you’ll need used car insurance
- The average Suzuki owner pays $41 for car insurance
- State Farm and USAA have the best Suzuki car insurance
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#1 – State Farm: Top Pick Overall
Pros
- Customizable Policies: State Farm offers tailored coverage options to meet the specific needs of Suzuki owners. Explore your coverage options in our State Farm car insurance review.
- Safety Feature Discounts: Among State Farm’s 13 discounts are savings for Suzukis equipped with advanced safety features.
- Local Agents: State Farm maintains a wide network of local agents for in-person service when you need it.
Cons
- Higher Rates: State Farm doesn’t always offer the cheapest Suzuki auto insurance, especially if you have a low credit score.
- Inconsistent Discounts: The availability of State Farm’s discounts may vary by agent and location.
#2 – USAA: Best for Military Families
Pros
- Competitive Rates: USAA typically has lower Suzuki car insurance rates for military members and their families.
- Excellent Customer Service: With high ratings for customer support and claims handling, you can trust you’re getting the best insurance for Suzukis with USAA.
- Comprehensive Coverage Options: USAA’s coverage options include options for new car replacement and accident forgiveness.
Cons
- Eligibility Restrictions: USAA is only available to military members and their immediate families.
- Missing Coverage Options: Although USAA offers a variety of great coverage options, it’s missing popular choices like gap insurance. Check USAA’s insurance availability in our USAA car insurance review.
#3 – Progressive: Best for Digital Policy Management
Pros
- Snapshot Program: Progressive’s usage-based insurance (UBI) program offers safe drivers savings of up to 30%.
- Customizable Coverage: Get flexible policy options to include more than just comprehensive and collision coverage from Progressive.
- Affordable Rates: Progressive usually has affordable insurance quotes for most Suzuki models. Learn more about Progressive’s average prices in our Progressive car insurance review.
Cons
- Privacy Concerns: Signing up for Snapshot can save you a lot, but the continuous monitoring makes some drivers uncomfortable.
- Mixed Customer Service Reviews: Some reports of dissatisfaction with Progressive’s claims handling process concern potential customers.
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#4 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Geico has a reputation for offering low premiums compared to competitors.
- Multi-Policy Discounts: Earn affordable Suzuki car insurance rates by bundling home and auto insurance from Geico. Explore Geico’s 16 discount options in our Geico car insurance review.
- Strong Digital Presence: Geico offers a user-friendly website and mobile app for easy policy management and a more modern take on car insurance.
Cons
- Limited Local Agents: With its focus on online service, Geico has fewer local agents available than similar companies.
- Higher Rates for Young Drivers: Young adults and teens looking for cheap auto insurance for Suzukis might need to go elsewhere as Geico’s premiums can be high for inexperienced drivers.
#5 – Allstate: Best for UBI Savings
Pros
- Comprehensive Coverage: Allstate has a broad range of options, including accident forgiveness and new car replacement.
- Discount Opportunities: Take advantage of various Allstate discounts such as safe driver, new car, and bundling policies. If you don’t mind having your driving habits tracked, you can save up to 40% with the UBI program Drivewise.
- Extensive Local Agent Network: Gain access to one of the largest networks of local agents in the country when you buy an Allstate policy.
Cons
- Higher Rates: No matter what type of driver you are, Allstate’s Suzuki car insurance quotes always tend to be on the high side. Learn more about average premiums in our Allstate car insurance review.
- Mixed Reviews: Allstate’s customer service and claims handling experiences leave a mixed impression on drivers.
#6 – Liberty Mutual: Best for Unique Coverage Options
Pros
- Diverse Coverage Options: Liberty Mutual offers customizable coverage options, including OEM parts coverage and better car replacement. See all of Liberty Mutual’s diverse coverage options in our Liberty Mutual car insurance review.
- Discount Options: Liberty Mutual offers 17 discounts to help drivers save, such as savings for bundling policies and being a safe driver.
- Accident Forgiveness: Sign up for accident forgiveness to have no rate increase after your first accident.
Cons
- Premium Variability: Liberty Mutual’s rates can vary significantly based on individual factors like age and driving record.
- Slow Customer Service: Customers leave mixed reviews for Liberty Mutual’s service quality and responsiveness.
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#7 – Farmers: Best Car Insurance Discount Selection
Pros
- Policy Customization Options: Get flexible options to tailor coverage for Suzuki auto insurance quotes from Farmers.
- Generous Discounts: Farmers offers an impressive 23 discounts, making it easy to find the cheapest Suzuki car insurance possible.
- Local Agent Support: Suzuki owners can access local agents when they want face-to-face help. Learn more about how you can get the support you need in our American Family car insurance review.
Cons
- Less Competitive Rates: Even with a huge selection of discounts, Farmers’ Suzuki car insurance rates tend to be higher than the national average.
- Claims Handling: Many drivers report that Farmers has slower claims processing times. See what other customers have to say in our Farmers car insurance review.
#8 – Nationwide: Best for Deductible Savings
Pros
- Valuable Add-Ons: Nationwide offers a variety of add-ons, like the vanishing deductible program. You can save up to $500 on your deductible by remaining claims-free with the vanishing deductible add-on.
- SmartRide Program: Save up to 40% by enrolling in SmartRide. Low-mileage drivers can also save with SmartMiles.
- Savings Opportunities: With only 11 options, Nationwide doesn’t have the longest list of discounts. However, you can still save money by getting cheap Suzuki car insurance with Nationwide’s discounts. Explore all of Nationwide’s car insurance discounts to maximize your savings.
Cons
- Unexpected Rate Increases: Nationwide customers frequently report that their Suzuki insurance prices increased unexpectedly, even though there was no reason for it.
- Digital Experience: Online tools and the mobile app Nationwide offers could be improved for a better digital experience.
#9 – Travelers: Best for Excellent Customer Service
Pros
- Ample Add-Ons: Travelers gives you the ability to tailor your policy to include the best Suzuki car insurance options for you.
- Ways to Save: With 15 discounts, most drivers find multiple ways to save on their Travelers policies.
- Superb Customer Service: Travelers generally gets positive feedback for its customer support and claims handling.
Cons
- Online Tools Lacking: Travelers lacks the robust online and mobile tools some of its competitors offer.
- Limited Local Agents: Travelers does not make up for its lack of digital tools with more local agents. Learn more about how to get insurance help in our Travelers car insurance review.
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#10 – American Family: Best for Claims Handling
Pros
- Tailored Coverage Options: American Family offers a variety of coverage options to help you get the most out of your Suzuki insurance quote.
- Ample Discounts: American Family offers some of the best Suzuki insurance rates partially because it has 18 great discounts to take advantage of.
- Personalized Service: American Family focuses on a more traditional insurance experience by providing local agents for customized assistance.
Cons
- Average Rates: American Family isn’t the most expensive car insurance provider, but it also fails to offer the cheapest Suzuki auto insurance rates.
- Limited Availability: American Family is only available in 19 states. See if you can buy coverage where you live in our American Family car insurance review.
Suzuki Car Insurance Policy Options
Collision car insurance coverage pays for your Suzuki’s repairs if you crash into another vehicle, while comprehensive car insurance covers repairs from damages from animal collisions, weather, vandalism, and more.
Because most of the Suzuki models you’ll purchase in the U.S. will be older models, you may be able to consider doing away with collision and comprehensive insurance. If the amount you would pay for these coverages would equal the value of your Suzuki in a year or two, then you might want to drop these coverages.
Stuck trying to choose the right coverage? Call State Farm. pic.twitter.com/rwojdNXjFa
— State Farm (@StateFarm) May 7, 2024
However, if you have a lease or loan on your Suzuki, your lender will require you to carry collision and comprehensive insurance to protect its asset.
You will also have to carry the types of car insurance your state requires. This will likely be some combination of the following coverages:
- Liability Auto Insurance: Important coverage that pays for other people’s medical and property damage bills after an accident you caused.
- Medical Payments Insurance: Coverage that helps pay the medical bills of you and your passengers if you are hurt in a car accident.
- Personal Injury Protection Insurance: Coverage that helps pay the medical bills, lost wages, and more for you and your passengers if you are hurt in a car accident.
- Uninsured/Underinsured Motorist Coverage: Coverage that helps pay for your car’s repairs if the driver who hit you doesn’t have enough insurance to cover your costs or has no insurance at all.
Insurance companies will also offer add-on coverages like roadside assistance, but these types of coverages are not mandatory. The only car insurance coverages you’ll have to carry will be those required by either your state or your lender.
Suzuki Car Insurance Rates
How much you’ll pay for insurance on your Suzuki depends on certain factors that affect car insurance rates, such as:
- Your Suzuki Model: Suzuki models that are newer and have higher retail prices will cost more than older, cheaper models of Suzukis.
- Your Age: Younger drivers will have higher car insurance rates than older drivers due to younger drivers’ driving inexperience. Here’s how to compare car insurance rates by age and gender.
- Your Location: It will cost more to insure Suzukis in areas that have higher rates of crashes, crime, or weather disasters.
- Your Driving Record: Insurance companies will charge higher rates for drivers with DUIs, at-fault accidents, and traffic tickets. Check out our list of the best high-risk car insurance companies if you are a high-risk driver.
In addition, how much you’ll pay for Suzuki auto insurance also depends on which car insurance company you pick. Below, you can see the average rates for some popular car insurance companies in the U.S.
Suzuki Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $50 | $140 |
| American Family | $38 | $115 |
| Farmers | $48 | $135 |
| Geico | $30 | $105 |
| Liberty Mutual | $55 | $145 |
| Nationwide | $40 | $125 |
| Progressive | $45 | $130 |
| State Farm | $35 | $110 |
| Travelers | $42 | $120 |
| USAA | $29 | $100 |
Some of the companies where you will see cheaper rates on average are Geico, State Farm, and USAA. However, USAA only sells car insurance to military members and veterans, as well as their families, so the majority of drivers won’t qualify for USAA and will be better off looking into companies like Geico or State Farm for cheap car insurance.
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Saving on Suzuki Car Insurance
Want to save money on Suzuki car insurance? If you are already with a great car insurance company, then see if you can lower your car insurance rates through car insurance discounts and deductible increases.
Since Suzuki discontinued sales in America, all models still being driven today are used cars. Used car typically see lower car insurance rates because they cost less to repair or replace. You can also pick lower coverage limits since your vehicle won't be worth as much as a newer model would.
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First, see if there are any additional car insurance discounts at your insurance company that you can apply for. Perhaps your company offers a defensive driver discount that you can earn once you provide a certificate of completion or a bundling discount if you purchase another type of insurance. Check below to see a list of popular discounts from our top companies.
If there are no other discounts you can apply to your car insurance policy, and you have a low deductible, then you can raise your car insurance deductible. This will lower your car insurance rates, as you are taking on more of the financial responsibility for repairs after an accident.
If your deductible is already high, however, and you can’t raise it anymore without being unable to pay the amount out of pocket, then you should look into switching companies. There may be a car insurance company that offers a cheaper rate than your current company.
To see if a different car insurance company has a better rate for your Suzuki, get car insurance companies from a few companies, and then you can compare the car insurance quotes and see which offers the best deal on your coverages. Just make sure you also consider a company’s reputation and customer service ratings before signing up with a new company.
Find the Best Suzuki Car Insurance Rates Today
Most Suzukis should be affordable to insure unless you have a poor driving record or are a young driver. If your Suzuki rates are too high, there are a few things you can do to reduce your car insurance rates. For example, you can look for discounts you may have missed at your current company or raise your deductible if it is low. Now that you know how to compare multiple car insurance quotes, finding affordable rates should be easy.
One of the best things you can do, however, is shop around and see if you can get a cheaper rate for your Suzuki car elsewhere. Use our free quote comparison tool by entering your ZIP code to see if there is a company in your area that offers a better rate on insurance for your Suzuki.
Frequently Asked Questions
How much is car insurance for a Suzuki?
Most Suzuki models should be fairly cheap to insure unless a driver is high-risk, as this will raise car insurance rates. You can get free quotes to see average Suzuki insurance costs.
Which companies have the best car insurance for Suzukis?
The best car insurance for Suzukis comes from State Farm, USAA, and Progressive. However, there are many factors that affect car insurance rates, so make sure to compare quotes.
What kind of car insurance coverage do I need for my Suzuki?
If you own an older Suzuki and its value is equal to or less than the cost of collision and comprehensive coverage, you may consider dropping these coverages. Keep in mind you need some sort of insurance to drive — driving without insurance can lead to serious consequences, even if your car is older.
Which car insurance company has the cheapest Suzuki car insurance rates?
Some car insurance companies that have cheaper rates on average for most drivers are USAA, Geico, and State Farm. However, bear in mind that USAA is only for military and veterans, as well as their families. If you don’t qualify for USAA, then check out Geico and State Farm instead. To see which company has the lowest rates for you, enter your ZIP code into our free comparison tool.
Are cheaper cars less expensive to insure?
Yes, generally, cheaper cars are less expensive to insure on average. This is because replacement parts and repairs will cost less, and if your cheaper car is totaled, insurance companies pay out less in a claim than for a luxury sports car.
What are three factors that lower Suzuki car insurance rates?
You can save money on Suzuki car insurance by exploring available car insurance discounts offered by your insurance company, such as defensive driver discounts or bundling discounts. Increasing your deductible can also lower your rates. Additionally, you’ll find affordable car insurance by comparing quotes from different insurance companies.
Does credit score affect Suzuki car insurance rates?
A poor credit score can lead to higher Suzuki car insurance quotes if you live in a state that allows insurance companies to consider credit scores when determining rates. If your score is low, consider shopping at the best car insurance companies for bad credit to find a good policy.
What makes a Suzuki more expensive to insure?
The year and model of Suzuki you drive will impact your insurance costs. Newer cars cost more to insure, and you will have even higher rates if you have accidents or speeding tickets on your record.
What factors affect Suzuki car insurance rates?
Along with your driving record, your age, gender, and ZIP code all impact how much you pay for Suzuki auto insurance.
Why are Suzuki cars so expensive to insure?
For the most part, Suzukis are actually less expensive when you compare car insurance quotes by vehicle type. Suzukis are all older, used vehicles, which keeps rates low.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
