Jaguar XJ Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 29, 2024
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Estimated auto insurance rates for a Jaguar XJ are $1,596 annually for full coverage insurance. Comprehensive insurance costs around $346 each year, collision insurance costs $632, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $3,466 or more. 16-year-old drivers pay the most at up to $5,916 a year.
Average premium for full coverage: $1,596
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and XJ models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jaguar XJ range from as cheap as $510 for your basic liability-only policy to a high rate of $3,466 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below illustrates average Jaguar XJ insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $906
- Using higher $1,000 deductibles will save about $222 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,596
- Buying low deductibles for physical damage coverage costs an additional $432 annually
- High-risk insureds with multiple tickets or accidents could pay at least $3,466
- An auto insurance policy with full coverage for a 16-year-old driver can be $5,916 or more
Insurance prices for a Jaguar XJ also have a wide range based on the model of your XJ, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $660 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Jaguar XJ insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,160 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,444 | -$152 | -9.5% |
| Alaska | $1,224 | -$372 | -23.3% |
| Arizona | $1,326 | -$270 | -16.9% |
| Arkansas | $1,596 | -$0 | 0.0% |
| California | $1,820 | $224 | 14.0% |
| Colorado | $1,526 | -$70 | -4.4% |
| Connecticut | $1,642 | $46 | 2.9% |
| Delaware | $1,806 | $210 | 13.2% |
| Florida | $1,998 | $402 | 25.2% |
| Georgia | $1,474 | -$122 | -7.6% |
| Hawaii | $1,146 | -$450 | -28.2% |
| Idaho | $1,080 | -$516 | -32.3% |
| Illinois | $1,188 | -$408 | -25.6% |
| Indiana | $1,202 | -$394 | -24.7% |
| Iowa | $1,076 | -$520 | -32.6% |
| Kansas | $1,518 | -$78 | -4.9% |
| Kentucky | $2,178 | $582 | 36.5% |
| Louisiana | $2,364 | $768 | 48.1% |
| Maine | $986 | -$610 | -38.2% |
| Maryland | $1,318 | -$278 | -17.4% |
| Massachusetts | $1,276 | -$320 | -20.1% |
| Michigan | $2,774 | $1,178 | 73.8% |
| Minnesota | $1,336 | -$260 | -16.3% |
| Mississippi | $1,912 | $316 | 19.8% |
| Missouri | $1,416 | -$180 | -11.3% |
| Montana | $1,714 | $118 | 7.4% |
| Nebraska | $1,260 | -$336 | -21.1% |
| Nevada | $1,916 | $320 | 20.1% |
| New Hampshire | $1,152 | -$444 | -27.8% |
| New Jersey | $1,786 | $190 | 11.9% |
| New Mexico | $1,414 | -$182 | -11.4% |
| New York | $1,682 | $86 | 5.4% |
| North Carolina | $920 | -$676 | -42.4% |
| North Dakota | $1,308 | -$288 | -18.0% |
| Ohio | $1,104 | -$492 | -30.8% |
| Oklahoma | $1,640 | $44 | 2.8% |
| Oregon | $1,462 | -$134 | -8.4% |
| Pennsylvania | $1,522 | -$74 | -4.6% |
| Rhode Island | $2,130 | $534 | 33.5% |
| South Carolina | $1,446 | -$150 | -9.4% |
| South Dakota | $1,348 | -$248 | -15.5% |
| Tennessee | $1,398 | -$198 | -12.4% |
| Texas | $1,924 | $328 | 20.6% |
| Utah | $1,182 | -$414 | -25.9% |
| Vermont | $1,092 | -$504 | -31.6% |
| Virginia | $956 | -$640 | -40.1% |
| Washington | $1,236 | -$360 | -22.6% |
| West Virginia | $1,464 | -$132 | -8.3% |
| Wisconsin | $1,106 | -$490 | -30.7% |
| Wyoming | $1,422 | -$174 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,564 | $130 |
| Jaguar XJ LWB 4-Dr Sedan | $1,596 | $133 |
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 | $362 | $704 | $456 | $1,680 |
| 2018 Jaguar XJ | $346 | $632 | $460 | $1,596 |
| 2017 Jaguar XJ | $324 | $580 | $460 | $1,522 |
| 2016 Jaguar XJ | $312 | $544 | $464 | $1,478 |
| 2015 Jaguar XJ | $306 | $508 | $474 | $1,446 |
| 2014 Jaguar XJ | $282 | $472 | $474 | $1,386 |
| 2013 Jaguar XJ | $274 | $428 | $478 | $1,338 |
| 2012 Jaguar XJ | $256 | $392 | $474 | $1,280 |
| 2011 Jaguar XJ | $242 | $356 | $474 | $1,230 |
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 Buy Low Cost Jaguar XJ Insurance
Finding better rates on insurance for a Jaguar XJ requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by quoting rates from direct insurance companies, and also from several local insurance agents.
The following items are a review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,870 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher prices, with premiums being up to $493 per month including comprehensive and collision insurance
- It is possible to save up to $200 per year just by quoting online in advance
- Increasing policy deductibles could save up to $650 each year
- It is possible to save up to $200 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,916 |
| 20 | $3,686 |
| 30 | $1,666 |
| 40 | $1,596 |
| 50 | $1,458 |
| 60 | $1,430 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,028 |
| $250 | $1,828 |
| $500 | $1,596 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,596 |
| 50/100 | $1,688 |
| 100/300 | $1,803 |
| 250/500 | $2,102 |
| 100 CSL | $1,734 |
| 300 CSL | $1,987 |
| 500 CSL | $2,171 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,462 |
| 20 | $5,876 |
| 30 | $3,546 |
| 40 | $3,466 |
| 50 | $3,308 |
| 60 | $3,280 |
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 | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $75 |
| Advance Quote | $80 |
| Online Quote | $115 |
| Total Discounts | $690 |
Discounts are estimated and may not be available from every company or in every state.
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