Jaguar XJ Insurance Rates
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UPDATED: Apr 29, 2024
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Average insurance rates for a Jaguar XJ are $1,680 a year for full coverage insurance. Comprehensive costs around $362 each year, collision insurance costs $704, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $3,658. 16-year-old drivers receive the highest rates at up to $6,202 a year.
Average premium for full coverage: $1,680
Rate estimates for individual coverage type:
Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and XJ models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $508 for the bare minimum liability coverage to a high rate of $3,658 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code, 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.
Additional Rate Information
The chart below illustrates average Jaguar XJ insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $946
- Using higher $1,000 deductibles will save about $242 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,680
- Buying low deductibles for physical damage coverage bumps up the cost to $2,152
- Drivers with multiple tickets or accidents could pay at least $3,658
- The cost that insures a teen driver can be $6,202 or more
Auto insurance rates for a Jaguar XJ can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $6,200 a year. View Rates by Age
Where you live 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 at least $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% |
Opting for high physical damage deductibles could cut rates by as much as $720 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
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 Find the Cheapest Jaguar XJ Insurance
Saving money on Jaguar XJ insurance requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a recap of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $210 per year just by quoting online in advance
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,980 more every year than a low-risk driver
- Increasing deductibles can save approximately $725 each year
- Youthful drivers are expensive to insure, costing up to $517 per month if the policy includes full coverage
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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