Best Suzuki Car Insurance Rates in 2024

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.

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.

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.

Average Monthly Full Coverage Car Insurance Rates by Company

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.