About $1,930 a year for full coverage on a national average — 34% more than the $1,438 average car. Insurers rate the Suzuki Grand Vitara at an index of 134 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2011-2013).
The premium isn't spread evenly across the Suzuki Grand Vitara: Personal injury (PIP) — no-fault injury cover in some states — carries its highest loss index at 163, while Property damage sits at 114. Those 49 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2013 Grand Vitara sells for a median $7,950, so a year of cover costs 24.3% of the car's value. Over 8 generations of data the index has climbed from 108 (2004-2006) to 134 (2011-2013). Calculated from 16 insurance-loss records and live US listing prices.
Why a Grand Vitara costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,930: Liability (BI + PD) $926 · Collision $540 · Comprehensive $232 · Other (UM / PIP) $232.
How it changed by generation
Insurance-loss index of the Grand Vitara across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Grand Vitara has become more expensive to insure over time (+27 points).
What a Grand Vitara costs by state
Where you park matters as much as what you drive. The Grand Vitara's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Grand Vitara est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Suzuki Grand Vitara's loss index of 134 — your own quote also depends on age, record, deductible and ZIP.
Suzuki Grand Vitara insurance — frequently asked
How much is insurance for a Suzuki Grand Vitara?
About $1,930 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 134 applied to the US average premium.
Why is the Grand Vitara expensive or cheap to insure?
For the Suzuki Grand Vitara the costliest area is Personal injury (PIP) at an index of 163, covering no-fault injury cover in some states — against 114 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Suzuki Grand Vitara lands at 134, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 24.3% of what a 2013 Grand Vitara sells for — $1,930 against a median price of $7,950. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 24.3% the Grand Vitara sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Grand Vitara can differ by hundreds between two drivers.
How we work this out
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