Jaguar XJ Insurance Rates
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UPDATED: Apr 29, 2024
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The average insurance prices for a Jaguar XJ are $1,734 every 12 months with full coverage. Comprehensive costs on average $376 each year, collision costs $748, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $3,780. Teen drivers cost the most to insure at $6,372 a year or more.
Average premium for full coverage: $1,734
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and XJ models.
Price Range Variability
For an average driver, Jaguar XJ insurance rates go from the cheapest price of $504 for the bare minimum liability coverage to a high rate of $3,780 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using price 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.
Additional Rate Information
The chart below details estimated Jaguar XJ insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $970
- Raising to $1,000 deductibles will save around $254 annually
- The average price for a good driver age 40 with $500 deductibles is $1,734
- Choosing low deductibles increases the price to $2,232
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,780 or more
- Policy cost to insure a teenage driver may cost $6,372
Insurance rates for a Jaguar XJ also range considerably based on liability limits and deductibles, your driving record, and the trim level of your XJ.
Choosing high deductibles can reduce rates by up to $760 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $2,100 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates
Your home state also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find rates as low as $1,250 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,340 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied.
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 the Best Jaguar XJ Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by quoting rates from direct companies, and also from local exclusive and independent agents.
The following list is a brief recap of the information covered in the above illustrations.
- You may be able to save as much as $220 per year simply by quoting online in advance
- Drivers age 16 to 20 pay higher rates, as much as $531 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $750 each year
- Drivers who tend to receive serious violations may pay on average $2,050 more each year than a safer driver
- Consumers who require an increased level of liability coverage will pay about $500 every year to raise from a 30/60 limit to a 250/500 level
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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