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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
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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.
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. GL - £1,021 /year to insure
2. GLX VVTS - £819 /year to insure
3. Sport - £822 /year to insure
1. GL - £1,021 /year to insure
2. Sport - £822 /year to insure
3. GLX VVTS - £819 /year to insure
1. SZ-T - £422 /year to insure
2. SZ3 2WD - £482 /year to insure
3. SZ3 - £688 /year to insure
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.
Model | Insurance group |
|---|---|
GL | 16 |
GLX | 16 to 20 |
SZ-T | 19 to 25 |
SZ2 | 16 |
SZ3 | 10 to 16 |
SZ4 | 18 |
SZ5 | 20 to 27 |
SZ-L | 20 |
Sport | 28 to 35 |
Attitude | 24 to 25 |
It’s not only the car’s insurance group that determines the cost of premiums, it also depends on your personal circumstances – including:
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
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
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
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
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
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
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.
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.
There are three types of car insurance policy to choose from, including:
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
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
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.
There are several options available to reduce the cost of your car insurance:
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
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
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
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
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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.
