The average cost of auto insurance in the United States is $ 1,674 per year for a full coverage policy. The vehicle you drive is one of the main factors that affect your auto insurance rate. Along with your car make and model, your credit score, age, condition, claims history, and driving record will also affect your rate.
If you are thinking about buying a Suzuki, it can be helpful to assess the average cost of insurance before purchasing one. If you are a current Suzuki owner, understanding average rates can help you determine if you are paying a fair price. We have received sample auto insurance rates for the following Suzuki models:
- Suzuki Ecuador
- Suzuki kizashi
- Suzuki vitara
*Warning: The Suzuki Equator and Suzuki Kizashi were discontinued. However, seeing the average insurance rates can be helpful if you are considering purchasing a used model.
How much does it cost to insure a Suzuki?
Compared to the national average cost of auto insurance of $ 1,674, Suzuki insurance is cheaper. However, the average cost of insurance varies depending on the specific model. Additionally, each insurance company charges a different rate for coverage. Here are some of the factors that can affect the cost of Suzuki insurance:
- Crash rate statistics by make / model: Overall, Suzuki’s have decent safety ratings, which helps keep the cost of insurance low. According to the IIHS, the 2012 Ecuador and 2013 Kizashi are classified in the categories “good” and “average”. Other sources reported that the Vitara is also very safe.
- Parts prices: If you need to repair a Suzuki, the cost of parts is generally affordable. Parts are often readily available and do not need to be imported from abroad.
- Safety devices: Although most Suzuki have good safety ratings, the safety features of older and discontinued models are standard. As a result, the cost of insurance reflects the lack of technology in most models, such as crash systems.
Auto insurance for a Suzuki by model
The cost of Suzuki auto insurance mainly depends on the model you own. Additionally, personal factors such as your condition, age, credit score, and claims history will also affect your rate. Even though auto insurance rates are customized, it can be helpful to know more about the average rates of different models for comparison.
Auto insurance for Suzuki Ecuador
The Suzuki Equator, which is a mid-size pickup, was discontinued in 2012 in the United States. Overall, the cost of insurance in Ecuador is affordable, in part because the car has a good safety rating. In addition, the Equator was sold at a low price, so used versions of this model do not have much value. Here is an overview of the average full and minimum coverage premium for the Suzuki Ecuador:
|Suzuki Ecuador auto insurance||Average annual premium|
|Minimum coverage||$ 494|
|Full coverage||$ 1,125|
Auto insurance for Suzuki Kizashi
The Suzuki Kizashi ceased to sell in the United States in 2013. Like the Equator, the Kizashi has good safety ratings and comes standard with features like anti-lock brakes, traction control, and curtain airbags. sides over the entire length. As a result, the cost of insurance on a Kizashi is much more affordable than the US national average rate. In the table below, we have included the average full and minimum coverage insurance premiums for the Suzuki Kizashi:
|Suzuki Kizashi auto insurance||Average annual premium|
|Minimum coverage||$ 506|
|Full coverage||$ 1,380|
Auto insurance for Suzuki Vitara
The Suzuki Vitara is the only model on our list still in production. This model is one of the only Suzuki vehicles with advanced safety features, such as blind spot monitoring, automatic braking, adaptive cruise control and more. Auto insurance for this model is affordable, but because the car has updated features and parts, the cost of repairs can be high. In the table below, you can see the average auto insurance rates for the Suzuki Vitara:
|Suzuki Vitara auto insurance||Average annual premium|
|Minimum coverage||$ 498|
|Full coverage||$ 1,269|
The cheapest auto insurance companies for Suzuki
As mentioned, each auto insurance company charges a different rate for coverage on the same makes and models. Based on our sample quotes, the cheapest Suzuki insurance providers are Amica and USAA, but remember that the rates are based on your individual profile. The table below includes the average auto insurance premium for Suzuki Equator, Kizashi, and Vitara from five of the top auto insurance companies.
Average annual premium for full coverage per model
|Auto insurance company||Suzuki Ecuador||Suzuki kizashi||Suzuki vitara|
|Amica||$ 843||$ 1,096||$ 959|
|Erie||$ 909||$ 1,233||$ 1,094|
|Geico||$ 937||$ 1,075||$ 940|
|State farm||$ 963||$ 1,028||$ 1,050|
|United States||$ 872||$ 1,003||$ 947|
Suzuki Features That Impact Insurance Costs
The safety features of Suzuki vehicles have a noticeable impact on auto insurance premiums for individual models. Because the Vitara is the newest model, it is equipped with most of the safety features. Here are some of the safety features you will find with new Suzuki vehicles:
- Front detection system: Suzuki’s forward detection system uses a camera and laser attached to the windshield to alert the driver when a pedestrian crosses the street in front of them or leaves their lane.
- Blind Spot Monitor: The Blind Spot Monitor uses radar sensors at the rear of the vehicle to alert drivers when they activate the turn signal as a vehicle is approaching the next lane.
- Recognition of traffic signs: Newer Suzuki models, like the Vitara, feature Traffic Sign Detection, which detects traffic signs and displays them on the touchscreen to remind the driver of speed limits or the no-go zone of overtaking.
Other auto insurance coverage for a Suzuki
Most states require drivers to purchase a minimum amount of auto insurance. Usually this includes liability insurance, and in no-fault states, drivers must also purchase personal injury protection (PIP). However, there are a variety of other covers that Suzuki owners should consider.
If you are leasing or financing your Suzuki, consider purchasing gap insurance. If your car is totaled, gap insurance pays the difference between the depreciated value of the car and the remaining loan balance. Roadside assistance is also popular, which pays for towing, battery replacement, fuel delivery, and flat tire changes. You can also get rental car reimbursement coverage, which will cover the cost of a loaner vehicle if your Suzuki needs repairs after a covered claim.
Suzuki Motorcycle Insurance
In addition to sedans, midsize trucks and small SUVs, Suzuki also sells a line of popular motorcycles. If you want to insure a Suzuki motorcycle, you will need to purchase motorcycle insurance. Auto insurance does not extend coverage to motorcycles. The cost of Suzuki motorcycle insurance is based on many of the same factors that affect your auto insurance rate, such as age, condition, and claim history.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our base profile drivers own a 2013 Suzuki of the following model types, commute five days a week and travel 12,000 miles a year:
- Suzuki Ecuador
- Suzuki kizashi
- Suzuki vitara
These are sample rates and should only be used for comparison purposes.