Jaguar XJ Insurance Rates
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UPDATED: Apr 29, 2024
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U.S. average insurance prices for a Jaguar XJ are $1,734 every 12 months for full coverage. Comprehensive insurance costs on average $376, collision costs $748, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $3,780 or more. 16-year-old drivers pay the highest rates at $6,372 a year or more.
Average premium for full coverage: $1,734
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all XJ models.
Price Range from Low to High
For the average 40-year-old driver, Jaguar XJ insurance prices go from the cheapest price of $504 for just liability coverage to the much higher price of $3,780 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare prices based on a specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows estimated Jaguar XJ insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $970
- Using higher $1,000 deductibles will save around $254 a year
- The average price for the average middle-age driver with $500 deductibles is $1,734
- Buying pricier low deductibles for physical damage coverage costs an extra $498 a year
- Drivers with multiple tickets or accidents could pay upwards of $3,780 or more
- The price to insure a teen driver for full coverage may cost $6,372 or more
Insurance prices for a Jaguar XJ are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your XJ.
Opting for high physical damage deductibles could cut prices by as much as $760 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,800 additional each year, depending on your age. Jaguar XJ insurance for high-risk drivers can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Jaguar XJ insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like Idaho, Maine, and Iowa, or at least $2,470 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$166 | -9.6% |
| Alaska | $1,330 | -$404 | -23.3% |
| Arizona | $1,438 | -$296 | -17.1% |
| Arkansas | $1,734 | -$0 | 0.0% |
| California | $1,976 | $242 | 14.0% |
| Colorado | $1,656 | -$78 | -4.5% |
| Connecticut | $1,784 | $50 | 2.9% |
| Delaware | $1,962 | $228 | 13.1% |
| Florida | $2,168 | $434 | 25.0% |
| Georgia | $1,600 | -$134 | -7.7% |
| Hawaii | $1,246 | -$488 | -28.1% |
| Idaho | $1,174 | -$560 | -32.3% |
| Illinois | $1,292 | -$442 | -25.5% |
| Indiana | $1,306 | -$428 | -24.7% |
| Iowa | $1,170 | -$564 | -32.5% |
| Kansas | $1,648 | -$86 | -5.0% |
| Kentucky | $2,366 | $632 | 36.4% |
| Louisiana | $2,568 | $834 | 48.1% |
| Maine | $1,070 | -$664 | -38.3% |
| Maryland | $1,430 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$346 | -20.0% |
| Michigan | $3,014 | $1,280 | 73.8% |
| Minnesota | $1,452 | -$282 | -16.3% |
| Mississippi | $2,078 | $344 | 19.8% |
| Missouri | $1,538 | -$196 | -11.3% |
| Montana | $1,862 | $128 | 7.4% |
| Nebraska | $1,368 | -$366 | -21.1% |
| Nevada | $2,080 | $346 | 20.0% |
| New Hampshire | $1,252 | -$482 | -27.8% |
| New Jersey | $1,938 | $204 | 11.8% |
| New Mexico | $1,536 | -$198 | -11.4% |
| New York | $1,826 | $92 | 5.3% |
| North Carolina | $998 | -$736 | -42.4% |
| North Dakota | $1,420 | -$314 | -18.1% |
| Ohio | $1,198 | -$536 | -30.9% |
| Oklahoma | $1,780 | $46 | 2.7% |
| Oregon | $1,590 | -$144 | -8.3% |
| Pennsylvania | $1,656 | -$78 | -4.5% |
| Rhode Island | $2,314 | $580 | 33.4% |
| South Carolina | $1,572 | -$162 | -9.3% |
| South Dakota | $1,464 | -$270 | -15.6% |
| Tennessee | $1,518 | -$216 | -12.5% |
| Texas | $2,090 | $356 | 20.5% |
| Utah | $1,284 | -$450 | -26.0% |
| Vermont | $1,188 | -$546 | -31.5% |
| Virginia | $1,038 | -$696 | -40.1% |
| Washington | $1,340 | -$394 | -22.7% |
| West Virginia | $1,590 | -$144 | -8.3% |
| Wisconsin | $1,200 | -$534 | -30.8% |
| Wyoming | $1,546 | -$188 | -10.8% |
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,700 | $142 |
| Jaguar XJ LWB 4-Dr Sedan | $1,734 | $145 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Jaguar XJ | $392 | $806 | $442 | $1,798 |
| 2018 Jaguar XJ | $376 | $748 | $452 | $1,734 |
| 2017 Jaguar XJ | $362 | $704 | $456 | $1,680 |
| 2016 Jaguar XJ | $346 | $632 | $460 | $1,596 |
| 2015 Jaguar XJ | $324 | $580 | $460 | $1,522 |
| 2014 Jaguar XJ | $312 | $544 | $464 | $1,478 |
| 2013 Jaguar XJ | $306 | $508 | $474 | $1,446 |
| 2012 Jaguar XJ | $282 | $472 | $474 | $1,386 |
| 2011 Jaguar XJ | $274 | $428 | $478 | $1,338 |
| 2004 Jaguar XJ | $200 | $268 | $442 | $1,068 |
Rates are averaged for all Jaguar XJ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Jaguar XJ Insurance
Getting lower rates on Jaguar XJ insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a review of the primary concepts that were touched on in this article.
- Drivers can save as much as $220 per year simply by quoting online well ahead of the renewal date
- High-risk drivers who have several accidents or serious violations pay an average of $2,050 more each year for auto insurance
- Increasing physical damage deductibles could save as much as $750 each year
- Teenage drivers pay higher prices, with premiums as much as $531 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,372 |
| 20 | $4,030 |
| 30 | $1,820 |
| 40 | $1,734 |
| 50 | $1,582 |
| 60 | $1,554 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,232 |
| $250 | $2,002 |
| $500 | $1,734 |
| $1,000 | $1,480 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,734 |
| 50/100 | $1,824 |
| 100/300 | $1,937 |
| 250/500 | $2,231 |
| 100 CSL | $1,870 |
| 300 CSL | $2,118 |
| 500 CSL | $2,299 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,142 |
| 20 | $6,424 |
| 30 | $3,874 |
| 40 | $3,780 |
| 50 | $3,608 |
| 60 | $3,578 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $95 |
| Multi-vehicle | $92 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $764 |
Discounts are estimated and may not be available from every company or in every state.
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