Suzuki Vitara insurance group and cost
Find out which insurance group the Suzuki Vitara falls under and how much it might cost to insure based on the driver's age and location.
The Suzuki Vitara is a reliable award-winning small crossover. It has been a popular car, ever since it was launched between the Japanese manufacturer since 1988. In this guide, you’ll discover everything you need to know about insuring this vehicle.
What insurance group does the Suzuki Vitara fall under?
This vehicle falls within car insurance groups 12-22, so you can expect to pay below average to insure this vehicle compared to others on the road.
The costs will vary slightly between different Suzuki Vitara insurance groups due to the different factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £743 for cover on a Suzuki Vitara 1.6 SZ4 5d that is in insurance group 12 or around £830 for a Suzuki Vitara 1.4 Boosterjet 48V Hybrid SZ-T 5d that is in insurance group 22. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.
Using the table below, you can find out the insurance group of your Suzuki Vitara model and how much you’re likely to pay for your car insurance.
Suzuki Vitara insurance cost by location
Your location is another powerful factor when it comes to determining the cost of insuring your vehicle. To show the power of the postcode, here are some average quotes for a 30-year-old living in three UK locations. The quotes are for a Suzuki Vitara 1.6 SZ5 5d Auto.
- Expensive: £895 (London SE1)
- Average: £756 (Newcastle NE1)
- Cheap: £549 (Galashiels TD1)
Which factors affect my Suzuki Vitara insurance rate?
Here are some more examples of key factors that have the biggest impact on your insurance premium costs:
- Engine type and capacity. As a general rule of thumb, your car insurance will increase if your vehicle has a large and powerful engine. The Suzuki Vitara’s engines range from 1.0 litre up to 1.6 litres, so the premium can change. For example, you would pay around £879 for insurance on a Suzuki Vitara 1.0 Boosterjet SZ-T AllGrip 5d, while you could pay up to £972 for a Suzuki Vitara 1.6 DDiS SZ-T 5d. In this specific example, the Suzuki Vitara 1.6 DDiS SZ-T 5d, which is 0.6 litres bigger in engine size, costs an extra £93 in premium.
- Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £895 for insurance for a Suzuki Vitara 1.6 SZ-T 5d, while the same 30-year-old in Newcastle may only pay £756. That’s a £139 difference based just on where you live.
- Driver age. The youngest drivers are likely to pay a lot more for insurance because they are statistically a lot more likely to make a claim. As an example, the average 20-year-old driver in London may pay £1,691 for the Suzuki Vitara 1.6 DDiS SZ-T 5d, while the average 40-year-old Londoner will only pay £886. That’s almost double what a 20-year-old driver would have to pay compared to a 40-year-old, and this tends to be the case regardless of what car they are driving.
Other factors that influence the cost of your insurance include the following:
- Your marital status
- Your car’s safety rating score and security features
- The model and age of your car
- Your annual miles driven
- Your driving history and activity, including your no claims discount
- Your credit history and job
How can I save on my Suzuki Vitara premiums?
While car insurance is a necessary legal requirement, you don’t want it clearing out your bank account. Here are some ideas to help you lower the cost of your premium:
- Limit your car usage (where possible). By occasionally deciding to walk or take public transport rather than using your car, you help to save on your premiums.
- Pay annually, rather than monthly. While it might be scary to part with a large sum of money in one go, by paying annually, you can save an average of £59.52 a year.
- Install extra safety precautions. The more safety features added, the safer your car is deemed to be and the less you’ll have to pay to insure it.
- Shop around for the best deal. When it’s time to renew your deal, shop around and find the cheapest deal. In most cases, you’ll find a better deal by switching insurance companies.
The Suzuki Vitara is an exciting crossover, which is relatively affordable to insure compared to competitors. Better yet, the tips in this guide will help you to reduce the cost of your premiums even further.
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