Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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Average auto insurance rates for a Jaguar XJ are $1,680 annually with full coverage. Comprehensive insurance costs approximately $362 a year, collision insurance costs $704, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $3,658 or more. Teen drivers receive the highest rates at up to $6,202 a year.

Average premium for full coverage: $1,680

Rate estimates by individual coverage type:

Comprehensive $362
Collision $704
Liability $456

Rate estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and XJ trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $508 for a discount liability-only rate to a high of $3,658 for a driver required to buy high-risk insurance.

Liability Only $508
Full Coverage $1,680
High Risk $3,658

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,260
Small Cities $1,764
Large Cities $2,268

These examples demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of 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.

Rates by State, City, and Model

The chart below details average Jaguar XJ insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $946
  • Choosing higher $1,000 deductibles can save $1,438 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,680
  • Choosing low $100 deductibles for comp and collision coverage costs an additional $472 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $3,658
  • The cost with full coverage for a teen driver can cost $6,202 each year

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance prices range from $946 to $6,202 for full coverage

Insurance rates for a Jaguar XJ can also vary considerably based on the trim level of your XJ, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $720 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Jaguar XJ insurance prices. A good driver about age 40 could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,270 on average in New York, Michigan, and Florida.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,518 -$162 -9.6%
Alaska $1,290 -$390 -23.2%
Arizona $1,394 -$286 -17.0%
Arkansas $1,680 -$0 0.0%
California $1,914 $234 13.9%
Colorado $1,606 -$74 -4.4%
Connecticut $1,728 $48 2.9%
Delaware $1,902 $222 13.2%
Florida $2,102 $422 25.1%
Georgia $1,550 -$130 -7.7%
Hawaii $1,208 -$472 -28.1%
Idaho $1,136 -$544 -32.4%
Illinois $1,252 -$428 -25.5%
Indiana $1,266 -$414 -24.6%
Iowa $1,134 -$546 -32.5%
Kansas $1,596 -$84 -5.0%
Kentucky $2,292 $612 36.4%
Louisiana $2,486 $806 48.0%
Maine $1,038 -$642 -38.2%
Maryland $1,386 -$294 -17.5%
Massachusetts $1,342 -$338 -20.1%
Michigan $2,920 $1,240 73.8%
Minnesota $1,406 -$274 -16.3%
Mississippi $2,014 $334 19.9%
Missouri $1,490 -$190 -11.3%
Montana $1,804 $124 7.4%
Nebraska $1,322 -$358 -21.3%
Nevada $2,014 $334 19.9%
New Hampshire $1,210 -$470 -28.0%
New Jersey $1,876 $196 11.7%
New Mexico $1,488 -$192 -11.4%
New York $1,770 $90 5.4%
North Carolina $968 -$712 -42.4%
North Dakota $1,374 -$306 -18.2%
Ohio $1,160 -$520 -31.0%
Oklahoma $1,726 $46 2.7%
Oregon $1,540 -$140 -8.3%
Pennsylvania $1,602 -$78 -4.6%
Rhode Island $2,242 $562 33.5%
South Carolina $1,522 -$158 -9.4%
South Dakota $1,418 -$262 -15.6%
Tennessee $1,470 -$210 -12.5%
Texas $2,024 $344 20.5%
Utah $1,246 -$434 -25.8%
Vermont $1,152 -$528 -31.4%
Virginia $1,006 -$674 -40.1%
Washington $1,300 -$380 -22.6%
West Virginia $1,540 -$140 -8.3%
Wisconsin $1,164 -$516 -30.7%
Wyoming $1,498 -$182 -10.8%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Jaguar XJ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XJ SWB 4-Dr Sedan $1,646 $137
Jaguar XJ LWB 4-Dr Sedan $1,680 $140

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.

Jaguar XJ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Jaguar XJ $376 $748 $452 $1,734
2018 Jaguar XJ $362 $704 $456 $1,680
2017 Jaguar XJ $346 $632 $460 $1,596
2016 Jaguar XJ $324 $580 $460 $1,522
2015 Jaguar XJ $312 $544 $464 $1,478
2014 Jaguar XJ $306 $508 $474 $1,446
2013 Jaguar XJ $282 $472 $474 $1,386
2012 Jaguar XJ $274 $428 $478 $1,338
2011 Jaguar XJ $256 $392 $474 $1,280

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 the Best Jaguar XJ Insurance

Saving money on car insurance takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief recap of the data touched on above.

  • Policyholders who purchase higher liability limits will pay about $500 every year to raise limits from a minimum limit to higher 250/500 limits
  • You may be able to save around $210 per year just by quoting early and online
  • Increasing deductibles could save up to $725 each year
  • Teens are expensive to insure, with premiums as much as $517 per month including comprehensive and collision insurance

Rates by Driver Age

Jaguar XJ Insurance Rates by Driver Age
Driver Age Premium
16 $6,202
20 $3,898
30 $1,760
40 $1,680
50 $1,532
60 $1,504

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,152
$250 $1,932
$500 $1,680
$1,000 $1,438

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,680
50/100 $1,771
100/300 $1,885
250/500 $2,182
100 CSL $1,817
300 CSL $2,068
500 CSL $2,250

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XJ Insurance Rates for High Risk Drivers
Age Premium
16 $8,888
20 $6,216
30 $3,746
40 $3,658
50 $3,492
60 $3,462

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.

SR-22 Surcharge $241

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $89
Homeowner $24
5-yr Accident Free $130
5-yr Claim Free $111
Paid in Full/EFT $81
Advance Quote $86
Online Quote $122
Total Discounts $734
Rate after discounts $946

Discounts are estimated and may not be available from every company or in every state.

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