Jaguar XJ Insurance Rates

Estimated insurance prices for a Jaguar XJ are $1,596 every 12 months for full coverage insurance. Comprehensive insurance costs around $346 each year, collision costs $632, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $3,466 or more. Teenage drivers pay the most at $5,916 a year or more.

Average premium for full coverage: $1,596

Premium estimates for type of coverage:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and XJ models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated 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 driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Jaguar XJ insurance rates for additional coverage choices and driver risks.

• The best discount rate is $906
• Using higher $1,000 deductibles will save about $222 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,596
• Using low deductibles for physical damage coverage costs an extra $432 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,466 or more
• An auto insurance policy to insure a teenage driver can be $5,916 or more

View Chart as Image

Car insurance prices for a Jaguar XJ also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $660 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Jaguar XJ insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Jaguar XJ Insurance

Finding better rates on auto insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was covered in the charts and tables above.

• Consumers who may need increased levels of liability coverage will pay an extra $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $493 per month if the policy includes full coverage
• Drivers who tend to receive serious violations may pay on average $1,870 more every year to buy Jaguar XJ insurance
• Increasing policy deductibles could save as much as $650 each year