Jaguar XJ Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 29, 2024
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Estimated insurance rates for a Jaguar XJ are $1,680 a year with full coverage. Comprehensive costs approximately $362 each year, collision costs $704, and liability is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing around $3,658. Teens pay the most at $6,202 a year or more.
Average premium for full coverage: $1,680
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and XJ models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jaguar XJ go from the low end price of $508 for just liability insurance to a high rate of $3,658 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below details estimated Jaguar XJ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $946
- Raising to $1,000 deductibles will save $242 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,680
- Selecting low deductibles bumps up the cost to $2,152
- Drivers with serious driving violations could pay around $3,658 or more
- An auto insurance policy that insures a 16-year-old driver can cost $6,202
Car insurance prices for a Jaguar XJ also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $6,200 a year. View Rates by Age
Where you choose to live also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find prices as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,270 on average in New York, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $720 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.
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 Affordable Jaguar XJ Insurance
Finding better rates on insurance for a Jaguar XJ consists of being a low-risk driver, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates at every other renewal by getting rate quotes from direct companies, and also from local insurance agencies.
The items below are a brief review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,980 more per year to insure their XJ
- Teen drivers pay the highest auto insurance prices, possibly costing $517 per month if full coverage is purchased
- You may be able to save around $210 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $725 each year
- You may be able to save around $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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