About $1,988 a year for full coverage on a national average — 38% more than the $1,438 average car. Insurers rate the Suzuki Reno at an index of 138 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2006-2008).
The premium isn't spread evenly across the Suzuki Reno: Medical payments — medical bills for you and passengers — carries its highest loss index at 195, while Comprehensive sits at 91. Those 104 points are the real reason behind the price, and they are the part a quote form never shows you. Calculated from 3 insurance-loss records.
Why a Reno 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 $1,988: Liability (BI + PD) $954 · Collision $557 · Comprehensive $239 · Other (UM / PIP) $239.
How it changed by generation
Insurance-loss index of the Reno 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 Reno has held a steady loss index across generations.
What a Reno costs by state
Where you park matters as much as what you drive. The Reno's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Reno 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 Reno's loss index of 138 — your own quote also depends on age, record, deductible and ZIP.
Suzuki Reno insurance — frequently asked
How much is insurance for a Suzuki Reno?
About $1,988 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 138 applied to the US average premium.
Why is the Reno expensive or cheap to insure?
For the Suzuki Reno the costliest area is Medical payments at an index of 195, covering medical bills for you and passengers — against 91 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Suzuki Reno lands at 138, not at what it costs new.
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 Reno can differ by hundreds between two drivers.
How we work this out
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