Compare Suzuki Car Insurance Rates [2023]
Suzuki car insurance rates will usually be fairly cheap unless a driver is considered high-risk. But there are also additional ways to save money on Suzuki car insurance, such as taking advantage of car insurance discounts.
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Laura Kuhl
Managing Content Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...
Managing Content Editor
UPDATED: Jun 22, 2023
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.
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: Jun 22, 2023
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.
On This Page
- Older, cheaper models of Suzukis will cost less to insure than newer, more expensive models
- Younger drivers and drivers with poor driving records will have higher car insurance rates
- Applying for Suzuki car insurance quotes and raising deductibles can help lower rates significantly
Suzuki cars, produced by a Japanese manufacturer, are no longer sold in the U.S., although you can still find used models for sale. Because older cars are depreciated in value, you will likely find that for most Suzuki models, rates from the best car insurance companies are cheaper because insurance companies have to pay out less in a claim.
To learn about Suzuki car insurance rates, read on. Our guide covers everything from coverages for Suzukis to steps to take when looking for savings.
Different Coverage Options for Suzukis
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.
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. Collision car insurance coverage pays for your Suzuki’s repairs if you crash into another car, while comprehensive car insurance covers repairs from damages from animal collisions, weather, vandalism, and more.
Besides collision and comprehensive insurance, you will have to carry what types of car insurance your state requires. This will likely be some combination of the following coverages:
- Liability car 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.
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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.
Car Insurance Companies | Monthly Full Coverage Car Insurance Rates |
---|---|
Allstate | $318 |
American Family | $224 |
Farmers | $288 |
Geico | $179 |
Liberty Mutual | $398 |
Nationwide | $229 |
Progressive | $283 |
State Farm | $235 |
Travelers | $287 |
Average | $260 |
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.
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.
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.
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.
The Final Word on Suzuki Car Insurance
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.
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 to see if there is a company in your area that offers a better rate on insurance for your Suzuki.
Frequently Asked Questions
Is car insurance for Suzukis high?
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 exactly how much you’ll pay for Suzuki car insurance.
Which car insurance company has the cheapest car insurance?
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.
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.
Are collision and comprehensive insurance necessary for older Suzukis?
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. However, if you have a lease or loan on the vehicle, your lender will likely require these coverages.
How can I save money on Suzuki car insurance?
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, comparing quotes from different insurance companies can help you find a better deal.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura Kuhl
Managing Content Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...
Managing Content Editor
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.