Car insurance for a Suzuki

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The average cost of car insurance in the United States is $1,674 per year for a full coverage policy. One of the biggest factors that impacts your car insurance rate is the vehicle you drive. Besides your car’s make and model, your credit score, age, state, claim history and driving record will also affect your rate.

If you are thinking about purchasing a Suzuki, it can be helpful to gauge the average cost of insurance before you buy one. If you are a current Suzuki owner, understanding the average rates can help you determine if you are paying a fair price. We received sample auto insurance rates for the following Suzuki models:

  • Suzuki Equator
  • Suzuki Kizashi
  • Suzuki Vitara

*Disclaimer: The Suzuki Equator and Suzuki Kizashi have been discontinued. However, seeing the average insurance rates can be helpful if you plan to purchase a used model.

How much does it cost to insure a Suzuki?

Compared to the nationwide average cost of car insurance, which is $1,674, Suzuki insurance is less expensive. However, the average cost of insurance varies based on the specific model. Additionally, every insurance company charges a different rate for coverage. Here are some of the factors that can impact the cost of Suzuki insurance:

  • Crash rate stats per make/model: Overall, Suzukis have decent safety ratings, which helps keep the cost of insurance low. According to the IIHS, the 2012 Equator and 2013 Kizashi are rated in the “good” and “average” category. Other sources have indicated that the Vitara is also very safe.
  • Price of parts: If you need to fix a Suzuki, the cost of parts is usually affordable. The parts are often readily available and do not need to be imported from overseas.
  • Safety features: Although most Suzukis have good safety ratings, the safety features in older, discontinued models are standard. As a result, the cost of insurance reflects the lack of technology in most models, like crash avoidance systems.

Car insurance for a Suzuki by model

The cost of Suzuki car insurance mostly depends on the model you have. In addition, personal factors like your state, age, credit score and claim history will also impact your rate. Even though car insurance rates are personalized, it can be helpful to learn more about the average rates for various models for the sake of comparison.

Car insurance for Suzuki Equator

The Suzuki Equator, which is a mid-size pickup truck, was discontinued in 2012 in the United States. Overall, the cost of insurance on an Equator is affordable, in part because the car has a good safety rating. Additionally, the Equator was sold at a low price point, so used versions of this model do not have much value. Here is a look at the average full and minimum coverage premium for the Suzuki Equator:

Suzuki Equator car insurance Average annual premium
Minimum coverage $494
Full coverage $1,125

Car insurance for Suzuki Kizashi

The Suzuki Kizashi stopped selling 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 full-length side curtain airbags. As a result, the cost of insurance on a Kizashi is much more affordable than the United States national average rate. In the table below, we included the average full and minimum coverage insurance premiums for the Suzuki Kizashi:

Suzuki Kizashi car insurance Average annual premium
Minimum coverage $506
Full coverage $1,380

Car insurance for Suzuki Vitara

The Suzuki Vitara is the only model on our list that is still in production. This model is one of the only Suzuki vehicles with advanced safety features, like blind spot monitoring, automatic braking, adaptive cruise control and more. Car insurance for this model is affordable, but because the car has updated features and parts, the cost of repairs could be pricey. In the table below, you can see the average car insurance rates for the Suzuki Vitara:

Suzuki Vitara car insurance Average annual premium
Minimum coverage $498
Full coverage $1,269

Cheapest car insurance companies for Suzukis

As mentioned, every car insurance company charges a different rate for coverage on the same makes and models. Based on our sample quotes, the cheapest providers for Suzuki insurance are Amica and USAA, but remember that rates are based on your individual profile. The table below includes the average car insurance premium for the Suzuki Equator, Kizashi and Vitara from five of the best car insurance companies.

Average annual premium for full coverage by model

Car insurance company Suzuki Equator 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
USAA $872 $1,003 $947

Suzuki features that impact insurance costs

The safety features of Suzuki vehicles have a notable impact on car insurance premiums for individual models. Because the Vitara is the newest model, it is equipped with the most safety features. Here are some of the safety features you will find with newer Suzuki vehicles:

  • Forward detection system: Suzuki’s forward detection system uses a camera and laser attached to the windshield to notify the driver when a pedestrian is crossing the street ahead, or when they are drifting out of their lane.
  • Blind spot monitor: The blind spot monitor uses radar sensors on the back of the vehicle to alert drivers when they activate the turn signal while a vehicle is approaching from the next lane over.
  • Traffic sign recognition: Newer Suzuki models, like the Vitara, have traffic sign detection, which detects road signs and displays them on the touchscreen display to remind the driver of speed limits or no passing zone.

Other car insurance coverage for a Suzuki

Most states require drivers to carry a minimum amount of car insurance. Usually, this includes personal liability insurance, and in no-fault states, drivers must also buy personal injury protection (PIP). However, there are a variety of other coverages that Suzuki owners should consider.

If you lease or finance your Suzuki, consider purchasing gap insurance. If your car gets totaled, gap insurance pays the difference between the car’s depreciated value 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 pay for the cost of a loaner vehicle if your Suzuki needs repairs after a covered claim.

Suzuki motorcycle insurance

In addition to sedans, mid-size trucks and small SUVs, Suzuki also sells a range 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 impact your car insurance rate, like age, state and claim history.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2013 Suzuki of the following model types, commute five days a week and drive 12,000 miles annually:

  • Suzuki Equator
  • Suzuki Kizashi
  • Suzuki Vitara

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.