Jaguar XJ Insurance Rates

The average auto insurance rates for a Jaguar XJ are $1,596 annually for full coverage insurance. Comprehensive costs approximately $346, collision insurance costs $632, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $3,466. Teens cost the most to insure at up to $5,916 a year.

Average premium for full coverage: $1,596

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different XJ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Jaguar XJ insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $906
• Using higher $1,000 deductibles will save $222 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,596
• Selecting more expensive low deductibles for physical damage coverage will cost $2,028
• High-risk insureds with serious driving violations could pay around $3,466
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,916 or more

View Chart as Image

Insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be from 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $660 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jaguar XJ insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,160 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy the Best Cheap Jaguar XJ Insurance

Finding cheaper rates on insurance for a Jaguar XJ requires having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,870 more per year to buy Jaguar XJ insurance
• It is possible to save around $200 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Insureds who purchase increased levels of liability coverage will pay approximately $510 annually to increase from a 30/60 limit to higher 250/500 limits