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Suzuki Swift car insurance

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Why drive a Suzuki Swift?

The Japanese brand has been around for more than a century and launched the Swift model in 1983. The supermini has gone through several redesigns since but always remained a nippy, compact, low price choice that scores highly for safety.

It’s ideal for new drivers, urban spaces or as a great little run-around option. From the Sport to the SZ range, you’re also spoilt for choice with the different options to choose from, with the latest models including hybrid technology as standard.

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How much does it cost to insure a Suzuki Swift?

There are number of variations of the Suzuki Swift from new SZ range equipped with all the latest features to more zippy Sport vehicles. Each falls into a different insurance group which has a large bearing on how much you pay in insurance premiums. 

The higher the insurance group number, the more expensive insurance becomes. Insurers look at many elements such as the car’s performance, safety rating, and even how much replacement parts cost before deciding which group to place it in.

  • 1

    Three most popular models²

    1. GL - £1,021 /year to insure
    2. GLX VVTS - £819 /year to insure
    3. Sport - £822 /year to insure

  • 2

    Three most expensive models²

    1. GL - £1,021 /year to insure
    2. Sport - £822 /year to insure
    3. GLX VVTS - £819 /year to insure

  • 3

    Three least expensive models²

    1. SZ-T - £422 /year to insure
    2. SZ3 2WD - £482 /year to insure
    3. SZ3 - £688 /year to insure

What insurance group is my Suzuki Swift in?

Insurers sort cars into categories, or ‘groups’, based on a range of factors, including their cost, performance and availability of parts. Check the table below to see how your Suzuki Swift compares.


Insurance group




16 to 20


19 to 25




10 to 16




20 to 27




28 to 35


24 to 25

What affects the cost of my Suzuki Swift insurance?

It’s not only the car’s insurance group that determines the cost of premiums, it also depends on your personal circumstances – including:

  • Birthday

    Your age

    Unfortunately for younger drivers, insurers see their inexperience as a likely cause of more road accidents - so they're likely to see the highest premiums

  • Map

    Your location

    If your home is in a postcode where there are higher rates of vehicle theft or vandalism, or even higher traffic rates, this can increase your premiums too

  • Briefcase

    Your occupation

    If you’re on the road a lot of the time for work, expect it to be reflected in what you pay for insurance - our guide on how your job title may affect your premiums explains more

  • Driving License

    Your driving and claims history

    If you’ve made previous car insurance claims, or if you’ve a history of driving convictions, you’ll be seen as high risk and have to pay more for insurance

  • Steering Wheel

    Your mileage

    Statistically, the less time you spend on the road and the fewer miles you clock up the less chance of an accident. Insurers take this into account when quoting for car insurance

  • Lock

    Storage and safety

    Where you park your car will also have a bearing on insurance costs. Storing your vehicle in a private garage. carport or driveway means it's less at risk of damage or theft than being on the road

Who drives a Suzuki Swift?

The Suzuki Swift is a popular choice for people aged 20-24, who account for almost one-fifth of overall sales. It’s driven all over the country, but can be seen most often around the North West and Greater London, with its compact features making it a great choice for city driving2.

Average car insurance premiums by age and policy type

2 Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.

What cover do I need for my Suzuki Swift?

There are three types of car insurance policy to choose from, including:

  • 1-One

    Fully comprehensive

    A fully comprehensive policy is the most complete protection you can get. If you cause an accident, not only will the insurance pay out for the other party’s costs, but yours will be covered too 

    £694 on average2

  • 2-Two

    Third-party, fire and theft

    Third-party, fire and theft offers protection if your car is stolen or damaged by fire, as well as if you cause damage to other people, their vehicles and their property

    £1,080 on average2

  • 3-Three

    Third-party only

    To drive legally on the road in the UK you must have at least third-party cover. If you're at fault for an incident, this will cover you for damage to third-party, their vehicle and their property

    £1,548 on average2

2Based on car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.

How to cut the cost of Suzuki Swift car insurance

There are several options available to reduce the cost of your car insurance:

  • 1

    Avoid modifications

    While it might be tempting to modify your car to make it stand out or improve performance, it could also drive up your premiums by pushing it into a different insurance group

  • 2

    Build a no-claims bonus

    If damage is quite minor, consider whether it’ll be more cost-effective in the long run to pay for the repairs yourself. This will protect your no-claims bonus, which results in a discount on your premium 

  • 3

    Avoid features you don’t need

    When you buy car insurance, providers often try to sell you add-ons. Some of these might be unnecessary and others might be overpriced - so avoid the ones you don't need to keep costs down

  • 4

    Don’t auto-renew

    Don’t just take the renewal quote offered by your existing insurer. Instead, shop around to see if you can get a better deal and you might be surprised at some of the savings you can make

Where can I find Suzuki Swift car insurance?

You can quickly and easily compare car insurance for your Suzuki Swift with MoneySuperMarket. Just tell us a little about yourself, your car and the cover you want, and we’ll search the market for the best value deals on offer from our range of leading providers. 

You can compare quotes by cost, the cover you’ll get and the excess you must pay to make a claim. Once you’ve found the deal you want, click through to the provider to finalise your purchase.

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