Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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Estimated insurance rates for a Jaguar XJ are $1,680 a year for full coverage insurance. Comprehensive costs around $362, collision costs $704, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $3,658. Teen drivers pay the most at $6,202 a year or more.

Average premium for full coverage: $1,680

Premium estimates for type of coverage:

Comprehensive $362
Collision $704
Liability $456

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different XJ trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Jaguar XJ go from the low end price of $508 for minimum levels of liability insurance to a much higher rate of $3,658 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code, 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.

Additional Rate Details

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

  • The lowest rate with discounts is $946
  • Drivers who choose higher $1,000 deductibles will pay about $242 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,680
  • Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,152
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,658 or more
  • An auto insurance policy that insures a teen driver with full coverage can be $6,202 a year

View Chart as Image

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

Insurance prices for a Jaguar XJ also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $2,000 to $2,700 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $6,200 a year. View Rates by Age

Where you choose to live makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay 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.

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

Choosing high deductibles could save up to $720 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially different.

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 Find the Best Cheap Jaguar XJ Insurance

Finding better rates on Jaguar XJ insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick review of the data that was touched on above.

  • It is possible to save up to $210 per year simply by shopping early and online
  • Drivers who may need higher liability limits will pay about $500 annually to go from 30/60 bodily injury limits to the 250/500 level
  • Teenagers pay higher prices, with premiums being up to $517 per month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,980 more every year for car 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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