Suzuki Swift insurance group and cost

The Suzuki Swift is a small family car produced by the Japanese manufacturer since 2004. This sporty vehicle is a welcome edition to the supermini class of vehicles. It offers good fuel economy, spacious interiors and a fun drive. In this guide, we’ll explore the key facts you need to know about insuring a Suzuki Swift.

Insurers use a group rating system to help determine the cost of your premium – each car model gets assigned a group, from 1 (cheapest) to 50 (most expensive). Suzuki Swift models fall anywhere from group 9 to group 35, which means the cost of insurance for your Suzuki Swift could vary quite a bit. For example, a 30-year-old driver in an average postcode could pay around £699 for cover on a Suzuki Swift 1.2 SZ-L 5d, or around £692 for a Suzuki Swift SZ5 1.2 Dualjet SHVS 4×4 5d.

You can find the insurance group of your Suzuki Swift model, and how much you’re likely to pay for insurance, using the table below.

Suzuki Swift insurance groups and average cost by driver’s age

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Average Suzuki Swift insurance cost in the UK

To give you an indication about how much it would cost to insure your Suzuki Swift, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your Suzuki Swift with comprehensive cover for monthly payments of £72.64 or an annual sum of £764.96

• How we got this rate

  To generate these figures we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2l engine
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a work car park during the day
  • The car is parked on a driveway at night
  • Driver is a 30-year-old teacher from London
  • Five years no claims discount
  • Driver has not had any driving or other convictions in the last 5 years

Suzuki Swift insurance cost by location

While the table above shows the average cost of insurance for various Suzuki Swift models based on insurance group and the age of the driver, there are other things that affect the cost of your premium, including your job and marital status. Where you live also has a big impact on your insurance rate.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Suzuki Swift 1.2 SZ4 5d.

• Expensive: £942 (London SE1)
• Average: £699 (Newcastle NE1)
• Cheap: £652.24 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Suzuki Swift insurance rate?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

• Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. For example, an average 30-year-old may pay £537 for the 1.2-litre petrol Suzuki Swift 1.2 Attitude 3d, but could pay around £1,066 for the 1.4-litre Suzuki Swift Sport 1.4 Boosterjet 5d.
• Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £942 for insurance for a Suzuki Swift 1.2 SZ4 5d Auto, while the same 30-year-old in Newcastle may only pay £699.
• Driver age. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £6,872 for the Suzuki Swift SZ3 1.2 Dualjet 5d, while the average 40-year-old Londoner will only pay £1,031.

However, there are a lot of other factors that can also impact the price of your premiums. These include:

• Your marital status
• Your credit history and job
• Your car’s safety rating, security and anti-theft precautions
• The model and age of your car
• Your car usage
• Your driving history
• No claims discount

How can I save on my Suzuki Swift premiums?

Car insurance costs can sometimes be hefty, so it’s understandable that you would want to find the best deal at an affordable price that will give you the right level of cover. For your Suzuki Swift premiums, there are a few things that you could try to lower your costs. These include:

• Avoid any driving convictions. It may sound obvious, but having convictions on your record will make your premium more expensive.
• Be economical about your car usage. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premiums, lower.
• Pay annually rather than monthly. By paying annually, you could save £106.72 on average a year!
• Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
• Don’t just accept your renewal quote. When it’s time for renewal, make sure you shop around – you’ll be surprised at how much you could save by assessing your options.

Bottom line

Suzuki Swifts are no doubt popular and with most falling into an insurance group from 9 – 35, you should be able to find comprehensive cover at an affordable price.

However, don’t forget that there is a number of factors that can affect your insurance premiums such as your age, your location, your driving history and the insurer you select.

If you’re wondering which insurers to get quotes from, check out our rundown of the best car insurance companies.

• What is the top speed of a Suzuki Swift?

  Depending on the model version, you can expect a Suzuki Swift to reach a top speed of 130 miles per hour.

• Is the Suzuki Swift safe?

  The Suzuki Swift was awarded a 3/5 safety rating by Euro NCAP when tested in 2017. It tested well for crash protection, and is well equipped with crash avoidance technology. Impressively, this car scored 83% for adult occupant safety and 75% on child occupant safety. However, unfortunately it didn’t score so highly on pedestrian impact protection where it scored 69%.

  As mentioned previously, the safer your car is, the better your premium will be. As standard, Suzuki Swifts are made with airbags for the driver and front passenger, as well as front and back side head airbags and a seatbelt reminder system for the front and rear seats.

• How much car tax do I have to pay for the Suzuki Swift?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Suzuki Swift?

  You can buy a Suzuki Swift at dealerships, using online sellers or from a current owner.

• Where can I find Suzuki Swift car insurance?

  You can compare the costs of Suzuki Swift car insurance using any price comparison website.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise

Danny has written 347 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
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• Giving valuable insights to website visitors