Jaguar XJ Insurance Rates
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Michelle Robbins
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UPDATED: Apr 29, 2024
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The average insurance prices for a Jaguar XJ are $1,680 every 12 months for full coverage insurance. Comprehensive costs on average $362 each year, collision costs $704, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,658. Teen drivers cost the most to insure at $6,202 a year or more.
Average premium for full coverage: $1,680
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and XJ models.
Price Range Variability
Using a 40-year-old driver as an example, Jaguar XJ insurance rates go from the cheapest price of $508 for a discount liability-only rate to a high rate of $3,658 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than relying on 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 illustrates estimated Jaguar XJ insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $946
- Using higher $1,000 deductibles will save around $242 each year
- The average price for a good driver age 40 with $500 deductibles is $1,680
- Choosing low deductibles for physical damage coverage increases the price to $2,152
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,658 or more
- Policy cost to insure a teen driver may cost $6,202 or more
Auto insurance rates for a Jaguar XJ also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your XJ.
Choosing high deductibles could cut rates by as much as $720 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $6,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $2,000 to $2,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than average. View High Risk Driver Rates
Your home state has a huge impact on Jaguar XJ insurance rates. A driver around age 40 might see rates as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,270 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and quoted 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 | $1,646 | $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.
| 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 Shop for the Right Jaguar XJ Insurance
Finding cheaper rates on Jaguar XJ insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies, and also from several local insurance agents.
The list below is a quick rundown of the concepts that were raised in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,980 more each year for car insurance
- Teenagers are charged the highest rates, possibly costing $517 each month if comprehensive and collision insurance is included
- It is possible to save as much as $210 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- It is possible to save as much as $210 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,152 |
| $250 | $1,932 |
| $500 | $1,680 |
| $1,000 | $1,438 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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