Vehicles & Usage
Suzuki Swift Car Insurance Costs in New Zealand: 2026 Premium Data & Quote Comparison
Comparing insurance for a Suzuki Swift? Insurspy reviewed aggregated historical quote results recorded from 12 March 2025 to 15 August 2026. The data includes 272 Suzuki Swift vehicles and 2,646 insurer prices analysed. These are observed historical results, not live quotes, renewal prices or an insurer promise.
Quick answer: the average annual comprehensive premium was $1,151.13, compared with $275.51 for third party and $506.26 for third party fire and theft. Your price can differ based on the vehicle, driver information, location, policy details and underwriting terms, so obtain fresh personalised quotes before buying.
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Summary
- The average annual comprehensive premium in the Suzuki Swift results was $1,151.13, with a median of $1,071.58.
- Third-party cover had the lowest historical average annual premium of the three cover types, at $275.51.
- COVE had the lowest average annual comprehensive premium in these results at $874.89, followed by AA at $999.31. This is not a ranking that will apply to every driver.
- In like-for-like comprehensive comparisons, COVE had a 71.8% lowest-price share and AA had a 26.7% share. Like-for-like means prices were compared where the vehicle and other matched quote details were consistent.
- A large comprehensive price spread was recorded for a 2017 Swift in Mount Roskill, Auckland (1041): $1,325.28 at the lowest end and $3,936.30 at the highest end, a difference of $2,611.02.
| Cover type | Quotes analysed | Average annual premium | Median annual premium | Historical annual range |
|---|---|---|---|---|
| Comprehensive (CP) | 2,223 | $1,151.13 | $1,071.58 | $315.80–$3,936.30 |
| Third party (TP) | 166 | $275.51 | $255.07 | $127.37–$789.31 |
| Third party fire and theft (TPFT) | 257 | $506.26 | $478.34 | $148.99–$1,080.15 |
Cover types and historical premiums
New Zealand Government consumer guidance explains that third-party insurance generally covers damage you cause to other people or property. Third-party fire and theft adds fire and theft cover, while comprehensive cover generally also covers damage to your own Swift. Compare cover, exclusions and excesses as well as the premium.
| Cover type | Average monthly premium | Median monthly premium | Useful comparison question |
|---|---|---|---|
| Comprehensive | $103.74 | $96.29 | Are own-vehicle damage cover, excesses and limits suitable? |
| Third party | $24.75 | $23.29 | Could you cover the loss of your own vehicle if it is damaged? |
| Third party fire and theft | $45.43 | $42.69 | Does fire and theft cover suit the vehicle value and your circumstances? |
Comprehensive cover: insurer price comparison
This table shows historical Suzuki Swift comprehensive results only. An average is not your quote. Excesses and agreed values also differed between insurers, so check the policy details alongside price.
| Insurer | Quotes analysed | Average annual premium | Median annual premium | Average excess | Average agreed value |
|---|---|---|---|---|---|
| COVE | 227 | $874.89 | $768.16 | $487.44 | $10,026.19 |
| AA | 303 | $999.31 | $935.17 | $496.86 | $9,971.73 |
| STATE | 292 | $1,094.91 | $1,064.71 | $501.71 | $10,190.62 |
| AMI | 288 | $1,126.02 | $1,101.45 | $504.51 | $10,158.92 |
| AMP | 292 | $1,189.09 | $1,116.83 | $546.92 | $9,637.38 |
| TOWER | 310 | $1,274.69 | $1,212.55 | $492.74 | $9,985.59 |
| ANZ | 208 | $1,310.96 | $1,079.19 | $557.21 | $9,865.75 |
| TRADEME | 303 | $1,315.23 | $1,254.72 | $493.73 | $9,991.53 |
Third party and fire-and-theft: historical averages
| Cover type | Lowest-average insurer | Average annual premium | Second-lowest insurer | Average annual premium |
|---|---|---|---|---|
| Third party | ANZ | $204.98 | STATE | $219.91 |
| Third party fire and theft | STATE | $440.41 | AMI | $454.65 |
Location quote example: 2016 Swift comprehensive cover
These historical results for Lower Hutt, Wellington Region (5010) show insurer prices for the same vehicle year and cover type. There were 11 quotes analysed for this location. They cannot predict prices in another location or a current quote.
| Insurer | Annual premium |
|---|---|
| AA | $642.71 |
| COVE | $840.41 |
| TOWER | $877.17 |
| STATE | $899.94 |
| AMI | $907.60 |
| TRADEME | $907.85 |
| AMP | $964.98 |
| ANZ | $1,377.21 |
Price spreads in like-for-like comparisons
The table shows historical price ranges where quote details were comparable. It does not show that an insurer or location caused a price difference. Larger spreads are a useful reminder to obtain several fresh quotes.
| Vehicle year | Location | Lowest-price insurer | Lowest annual premium | Highest-price insurer | Highest annual premium | Spread |
|---|---|---|---|---|---|---|
| 2017 | Mount Roskill, Auckland (1041) | AA | $1,325.28 | ANZ | $3,936.30 | $2,611.02 |
| 2016 | Eastern Bays, Auckland (1071) | AA | $1,092.42 | ANZ | $3,266.20 | $2,173.78 |
| 2013 | Albany, Auckland (0632) | COVE | $995.70 | ANZ | $3,147.50 | $2,151.80 |
| 2023 | Howick, Auckland (2014) | AA | $1,108.89 | ANZ | $2,773.02 | $1,664.13 |
Excess and agreed value: do not skip these
Government guidance notes that a higher excess may reduce a premium, but you should choose an excess you could comfortably pay after a claim and consider whether claiming for small repairs is worthwhile. Agreed value, standard excess and any additional excesses should be checked in your actual quote and policy.
| Comprehensive insurer | Average excess | Average agreed value | Average annual premium |
|---|---|---|---|
| COVE | $487.44 | $10,026.19 | $874.89 |
| AA | $496.86 | $9,971.73 | $999.31 |
| STATE | $501.71 | $10,190.62 | $1,094.91 |
| AMI | $504.51 | $10,158.92 | $1,126.02 |
| ANZ | $557.21 | $9,865.75 | $1,310.96 |
How we compared the quotes
Insurspy analysed aggregated historical Suzuki Swift quote results from 12 March 2025 to 15 August 2026. We separated comprehensive, third-party, and third-party fire-and-theft cover, then presented averages, medians, ranges and selected insurer prices where details could be compared.
A like-for-like comparison compares insurer prices in historical results where the vehicle and matched quote details were consistent. It can show the scale of price differences, but it is not a guarantee and cannot replace a new quote based on your own information.
What New Zealand drivers discuss on Reddit
These are individual public discussions and anecdotes only. They are not representative evidence and are not a substitute for policy wording or personalised quotes.
- Swift insurance and excess discussion on r/newzealand: a first-time buyer discussed comprehensive prices, age-related excesses, and comparing comprehensive cover with third-party options for a lower-value vehicle.
- Car-insurance shopping discussion on r/PersonalFinanceNZ: users shared personal renewal experiences and discussed getting multiple quotes, changing excesses and reviewing cover.
Practical checklist before buying
- Get fresh quotes using complete and current information about drivers, claims, convictions, modifications and vehicle use.
- Confirm that the cover type suits the value of your Swift and the risk you can afford to carry.
- Compare excesses, agreed value, additional excesses, exclusions and claim conditions, not just annual premium.
- Compare again before renewal; historical prices do not set your renewal price.
- If you cannot resolve a complaint with an insurer, check its approved financial dispute-resolution scheme.
FAQ
What is the average Suzuki Swift comprehensive insurance cost?
In these aggregated historical results, the average annual comprehensive premium was $1,151.13 and the median was $1,071.58. Your own price may be materially different.
Is third-party insurance always better for an older Swift?
Not necessarily. Third-party cover had a lower historical average premium, but it generally does not cover damage to your own vehicle. Compare the vehicle value, the loss you could absorb, cover details and excess.
Why compare several insurers?
The historical like-for-like comparisons showed substantial price spreads. A new quote must still be confirmed using your own current information, vehicle and chosen cover.
Author and content note
This guide was prepared by the Insurspy consumer content team to help New Zealand readers understand Suzuki Swift historical quote data and insurance-comparison basics. Insurspy data is used only for prices, counts, insurer rankings, locations, vehicle years, excesses, agreed values and like-for-like results in this guide. General insurance guidance is based on New Zealand Government consumer information. This is not financial, legal or insurance advice.
References
Insurspy data note: aggregated historical Suzuki Swift quote results from 2025-03-12 to 2026-08-15.
- New Zealand Government Consumer Protection: Car insurance
- New Zealand Government Consumer Protection: Insurance
Get a fresh quote: premiums and underwriting terms can change. Before buying or renewing, rely on the quote and policy documents issued using your current details.