The 2021 average cost of car insurance in the U.S. is $1,674 per year for a full coverage policy, but your rates may vary widely in part due to your vehicle type.

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If you own or are considering purchasing a Suzuki, you might want to understand how much an average insurance policy costs for these cars. Although new Suzuki cars are no longer sold in the U.S., you may be able to find used ones available for sale. We researched the average rates Suzuki owners paid for insurance for the following models:

  • Suzuki Equator*
  • Suzuki Kizashi*
  • Suzuki Vitara

*Disclaimer: The Suzuki Equator and Suzuki Kizashi have been discontinued. 

How much does it cost to insure a Suzuki?

Average insurance premiums may give you a general idea of the cost of insurance in your state, but every insurance company has its own formula for determining rates. Each company’s rating factors may weigh certain factors, like vehicle type and driver age, more heavily than others.

As Suzukis are no longer sold in the U.S., your insurance costs could be higher partly because models on the road today are likely more than 10 years old, and parts for repairs may need to be imported. On the other hand, older vehicles typically have less advanced technology, which may bring down repair costs and insurance costs. Here are a few of the factors insurers may look at when they determine premiums for a Suzuki:

  • Crash rate stats: Overall, Suzukis have decent safety ratings, which may help keep the cost of insurance low. According to the International Institute for Highway Safety (IIHS), the 2012 Equator and 2013 Kizashi — the last Suzuki models sold domestically before being discontinued — are rated in the “good” and “average” crashworthiness categories. The 2013 Vitara also scores mainly in the “average” category but does have one “marginal” score.
  • Price of parts: Suzuki no longer sells new cars in the U.S., so parts may be harder to find or more expensive than they are for other car brands.
  • Safety features: Used Suzuki models have average safety ratings, in general, but because newer versions are not sold in the U.S., new technology like forward collision warning or lane departure assistance likely aren’t available domestically. However,  these features might be available on some models sold outside the U.S. Generally, vehicles equipped with more safety features have lower insurance costs.

Car insurance for a Suzuki by model

The cost of Suzuki car insurance likely depends on the model you have. In addition, personal factors like your location, claims history, and the types and levels of coverage you choose will also impact your rate. Even though car insurance rates are personalized, it may be helpful to learn more about the average rates for various models for comparison.

Car insurance for Suzuki Equator

The Suzuki Equator, a mid-size pickup truck, was discontinued in 2012 in the U.S. Overall, the cost of insurance on an Equator is relatively affordable, in part because the vehicle has a good safety rating. The 2012 model includes stability control and curtain airbags. Additionally, the Equator was sold at a lower price point, so used versions of this model may be relatively affordable to insure.

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 U.S. in 2013. Like the Equator, the Kizashi has positive safety ratings and comes standard with features like traction control and curtain airbags. As a result, the average cost of insurance on a Kizashi is more affordable than the U.S. national average rate.

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

Car insurance for Suzuki Vitara

The Suzuki Grand Vitara is the only model on our list still in production, but new models aren’t sold in the U.S. The last model year sold in the U.S., 2013, includes safety features like traction control and curtain airbags. Average car insurance rates for the Suzuki Vitara are less than the national average, but less-than-perfect safety ratings could impact what you pay with certain carriers.

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

Cheapest car insurance companies for Suzukis

Every car insurance company may charge a different rate for coverage on the same makes and models based on unique rating algorithms. Below we have average rates for Suzuki insurance with some of the top insurance companies. However, if you’re looking for the cheapest rates, it may be worthwhile to collect and compare quotes from various companies.

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

What features impact my Suzuki insurance costs?

The safety features of Suzuki vehicles may have a notable impact on car insurance premiums for individual models. Here are some safety features you might find with popular Suzuki models. Remember that new Suzukis are no longer sold in the U.S., so used models may not have these safety features.

  • Curtain airbags: Curtain airbags may deploy from the sides of the vehicle for added cushion in case of a crash.
  • Rear view camera: This camera, mounted at the back of the vehicle, may provide additional visibility when reversing. 2012 and 2013 models do not include this feature.
  • Traffic sign recognition: Newer Suzuki models may 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. 2012 and 2013 models do not include this feature.
  • Autonomous emergency braking: AEB systems may use cameras and radar sensors to scan the road ahead of you. If they spot a threat, they may emit a warning signal and apply the brakes to avoid a crash. 2012 and 2013 models do not include this feature.

Other car insurance coverage for a Suzuki

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

If you lease or finance your Suzuki, you’ll also likely be required to purchase both collision and comprehensive coverage. Both coverage types, which are considered “full coverage,” add financial protection for damage that occurs to your vehicle in the event of a covered accident, which liability-only insurance does not cover. Roadside assistance is also popular, which may pay 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 rented 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 generally extend coverage to motorcycles, although some insurance companies may insure motorcycles on the same policy as private passenger vehicles. Because they are smaller and lighter, motorcycles may be at greater risk of accidents than other types of vehicles. The cost of Suzuki motorcycle insurance is based on many of the same factors that impact your car insurance rate, like your state and claim history.

Frequently asked questions

    • Maruti Suzuki Insurance is an insurance broker based in India that has been selling policies underwritten by its insurance partners since 2000. It has more than eight million policyholders in 450+ cities across India.
    • Average Suzuki auto insurance rates are typically near or below the national average, especially for full coverage. However, your personal insurance rates may vary greatly based on factors like your vehicle model, age, claims history, location and credit-based insurance score. Your selected coverage types will also influence what you pay, with added coverage types and limits typically increasing your rates.

Methodology

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 coverage that meets each state’s requirements. Our base profile drivers own a Suzuki of the following model types, commute five days a week and drive 12,000 miles annually:

  • 2012 Suzuki Equator
  • 2013 Suzuki Kizashi
  • 2013 Suzuki Vitara

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