Suzuki Car Insurance Rates

The average Suzuki car insurance rates in the US are $118/mo. As of 2012, Suzuki no longer produces cars for sale in the USA, but you can still find insurance for your Suzuki vehicle.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 18, 2020

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Here's what you need to know...

  • There is a dichotomy among the reviews of Suzuki in the United States
  • Insurance prices vary most due to location and individual
  • Even though Suzuki vehicles are no longer sold in the United States, insurance is available for them
  • It is a good idea to obtain your own insurance quote via the Internet or an agency

Discussing Suzuki cars is a bit difficult since Suzuki announced in November 2012 that they would no longer produce cars for sale in the United States.

They subsequently filed for bankruptcy protection in California on March 2, 2013.

The firm committed to honoring vehicle warranties and said that most of its 219 auto dealerships would continue to provide parts and service work for their customers.

Suzuki will continue to produce motorcycles, all-terrain vehicles, and marine products. They will also continue their automobile parts and service divisions.

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2013 Vehicles Produced by Suzuki in the U.S.

  • Suzuki Grand Vitara 509 MSRP – $19,949
  • Suzuki Kizashi Sedan MSRP – $19,999
  • Suzuki SX4 Hatchback – $16,999

Suzuki sold these vehicles during the model year 2012 to 2013 with full warranties and service contracts.

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Suzuki’s History in the U.S.

Suzuki established itself in Japan first by making loom machines for weaving, then motorcycles and lightweight automobiles. In the 1980’s, the firm partnered with General Motors. General Motors acquired 5% of the company as a response to the growing popularity of subcompacts in the U.S. market.

General Motors and Suzuki collaborated by rebadging Suzuki products to be sold as GM vehicles in America.

In 1988, Consumer Reports published an article saying that the Samurai was unsafe, predicting that it was more likely than most cars to roll over.

Suzuki sued the magazine and won, but the subsequent bad publicity for the Suzuki Samurai cast a pall over the brand.

During the ’90s, Subaru increased its market to include Egypt, Vietnam, and Hungary. Suzuki and GM purchased Daewoo in 2004, subsequently rebadging the Forenza and Verona as Suzuki models instead of Daewoo.

All in all, Suzuki sales began to decline in the United States, leading to the eventual removal of the brand from the U.S.

It might be noted at this point that Suzuki is still producing vehicles for sale outside the United States. The brand is popular in Asia, India particularly.

Reviews of Suzuki in the U.S.

There is a dichotomy among the reviews of Suzuki in the United States. On the one hand, some of the most respected consumer sites do not recommend the brand because of unreliability.

On the other hand, customers report that the brand has a sprightly drive and is an excellent addition to the compact market. Reliability is still a question because that is not dealt with as an issue.

Consumer Reports is uncommunicative on the Suzuki brand. This is understandable considering the history between them.

Will parts be available?

Considering the fact that Suzuki partnered with GM, parts ought to be available. If you have difficulty getting service and parts, you could go to the bankruptcy settlement and contact the numbers provided there.

Experience with the Forenza and Verona indicate that they may not be the best purchase available because of these particular vehicles’ relationship to the defunct Daewoo.

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Car Insurance Quotes for a 2011 Suzuki Kizashi SE

Even though Suzuki vehicles are no longer sold in the United States, insurance is available for them. Prices may begin to vary as the vehicles age, but at this point, they are being treated like any other vehicle.

Insurance prices vary most due to location and individual. When requesting these quotes, the individual quoted for was a 29-year-old divorced woman living in Grand Junction, Colorado. She commutes to work and owns a mobile home.

  • Insurance Company #1 – $705.50 for six months
  • Insurance Company #2 – $1,322.50 for six months

The limits of liability quoted and recommended are as follows:

  • Bodily Injury Liability – $100,000 per person/$300,000 per accident; your legal liability with regard to bodily injury to others
  • Property Damage Liability – $50,000 per accident; your legal liability with regard to damage to others’ property
  • $5,000 Medical Payments Coverage – covers emergency medical care and doctor’s fees with connection to an accident
  • Uninsured Motorists Coverage – $100,000 per person/$300,000 per accident; bodily injury that pays for bodily injury related to an accident in which the other party does not have insurance
  • Uninsured Motorists Coverage – $50,000 per accident; pays for property damage related to an accident in which the other party does not have insurance, not necessary if you carry comprehensive and collision coverage on your own vehicle

Property Damage to Your Own Vehicle

If you have a loan to pay for your car, you may be required to carry physical damage coverage on your own vehicle. This coverage is ordinarily subject to a deductible.

This deductible may be from $500 up, depending upon the requirements of the loan. This property damage is classified as follows:

  • Comprehensive Coverage – Pays for animal damage, theft, vandalism, glass damage, and weather damage to your own vehicle subject to the deductible
  • Collision Coverage – Pays for collision damage whether as a result of others’ actions or yourself to your own vehicle subject to the deductible

Information You’ll Need to Get a Car Insurance Quote

Since quotes vary more by the circumstances of the person or persons being insured than the type of car insured, it is a good idea to obtain your own quote via the Internet or an agency. This information is necessary:

  • Names, dates of birth, license numbers, and addresses of all drivers
  • Driving records for all drivers
  • Make, model year, and model description of all automobiles owned

Premiums vary widely from company to company. Several factors affect this, including the insurance company’s statistical experience with the vehicle, the class of insured, and its general experience in the area.

Premiums also vary from state to state depending on the history of settlements in the state. For example, rates are lower in Maine because historically, claims have cost less in that state than in Louisiana.

Louisiana has high rates for insurance because historically, claims have been expensive in that state. When doing comparison-shopping, make certain that you shop carefully for your car as well as the insurance. Cars are a long-term purchase like insurance.

Thus, you will pay for both for years to come.

Comparison-shop with caution, knowing the details and history.

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Average Monthly Car Insurance Rates by State