Jaguar XJ Insurance Rates
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UPDATED: Apr 29, 2024
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Estimated insurance rates for a Jaguar XJ are $1,734 a year including full coverage. Comprehensive insurance costs an estimated $376 a year, collision costs $748, and liability coverage is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $3,780 or more. Teen drivers pay the most at $6,372 a year or more.
Average premium for full coverage: $1,734
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and XJ trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jaguar XJ go from as low as $504 for just liability coverage to a high of $3,780 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below breaks down estimated Jaguar XJ insurance rates for other coverage scenarios.
- The lowest rate with discounts is $970
- Raising to $1,000 deductibles will save approximately $1,480 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,734
- Choosing low $100 deductibles will cost an extra $498 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,780 or more
- An auto insurance policy for full coverage for a teenage driver can cost as much as $6,372
Auto insurance prices for a Jaguar XJ also have a wide range based on your driving characteristics, the model of your XJ, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $6,300 a year. View Rates by Age
Where you choose to live also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find prices as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,470 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$166 | -9.6% |
| Alaska | $1,330 | -$404 | -23.3% |
| Arizona | $1,438 | -$296 | -17.1% |
| Arkansas | $1,734 | -$0 | 0.0% |
| California | $1,976 | $242 | 14.0% |
| Colorado | $1,656 | -$78 | -4.5% |
| Connecticut | $1,784 | $50 | 2.9% |
| Delaware | $1,962 | $228 | 13.1% |
| Florida | $2,168 | $434 | 25.0% |
| Georgia | $1,600 | -$134 | -7.7% |
| Hawaii | $1,246 | -$488 | -28.1% |
| Idaho | $1,174 | -$560 | -32.3% |
| Illinois | $1,292 | -$442 | -25.5% |
| Indiana | $1,306 | -$428 | -24.7% |
| Iowa | $1,170 | -$564 | -32.5% |
| Kansas | $1,648 | -$86 | -5.0% |
| Kentucky | $2,366 | $632 | 36.4% |
| Louisiana | $2,568 | $834 | 48.1% |
| Maine | $1,070 | -$664 | -38.3% |
| Maryland | $1,430 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$346 | -20.0% |
| Michigan | $3,014 | $1,280 | 73.8% |
| Minnesota | $1,452 | -$282 | -16.3% |
| Mississippi | $2,078 | $344 | 19.8% |
| Missouri | $1,538 | -$196 | -11.3% |
| Montana | $1,862 | $128 | 7.4% |
| Nebraska | $1,368 | -$366 | -21.1% |
| Nevada | $2,080 | $346 | 20.0% |
| New Hampshire | $1,252 | -$482 | -27.8% |
| New Jersey | $1,938 | $204 | 11.8% |
| New Mexico | $1,536 | -$198 | -11.4% |
| New York | $1,826 | $92 | 5.3% |
| North Carolina | $998 | -$736 | -42.4% |
| North Dakota | $1,420 | -$314 | -18.1% |
| Ohio | $1,198 | -$536 | -30.9% |
| Oklahoma | $1,780 | $46 | 2.7% |
| Oregon | $1,590 | -$144 | -8.3% |
| Pennsylvania | $1,656 | -$78 | -4.5% |
| Rhode Island | $2,314 | $580 | 33.4% |
| South Carolina | $1,572 | -$162 | -9.3% |
| South Dakota | $1,464 | -$270 | -15.6% |
| Tennessee | $1,518 | -$216 | -12.5% |
| Texas | $2,090 | $356 | 20.5% |
| Utah | $1,284 | -$450 | -26.0% |
| Vermont | $1,188 | -$546 | -31.5% |
| Virginia | $1,038 | -$696 | -40.1% |
| Washington | $1,340 | -$394 | -22.7% |
| West Virginia | $1,590 | -$144 | -8.3% |
| Wisconsin | $1,200 | -$534 | -30.8% |
| Wyoming | $1,546 | -$188 | -10.8% |
Choosing high deductibles can reduce prices by up to $760 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $2,100 to $2,800 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,700 | $142 |
| Jaguar XJ LWB 4-Dr Sedan | $1,734 | $145 |
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 | $392 | $806 | $442 | $1,798 |
| 2018 Jaguar XJ | $376 | $748 | $452 | $1,734 |
| 2017 Jaguar XJ | $362 | $704 | $456 | $1,680 |
| 2016 Jaguar XJ | $346 | $632 | $460 | $1,596 |
| 2015 Jaguar XJ | $324 | $580 | $460 | $1,522 |
| 2014 Jaguar XJ | $312 | $544 | $464 | $1,478 |
| 2013 Jaguar XJ | $306 | $508 | $474 | $1,446 |
| 2012 Jaguar XJ | $282 | $472 | $474 | $1,386 |
| 2011 Jaguar XJ | $274 | $428 | $478 | $1,338 |
| 2004 Jaguar XJ | $200 | $268 | $442 | $1,068 |
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 Right Jaguar XJ Insurance
Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save approximately $220 per year simply by quoting early and online
- Increasing policy deductibles can save around $750 each year
- Teens are the costliest to insure, with the cost nearing $531 per month if they have full coverage
- Drivers with reckless driving or DUI convictions may pay on average $2,050 more annually for XJ insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,372 |
| 20 | $4,030 |
| 30 | $1,820 |
| 40 | $1,734 |
| 50 | $1,582 |
| 60 | $1,554 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,232 |
| $250 | $2,002 |
| $500 | $1,734 |
| $1,000 | $1,480 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,734 |
| 50/100 | $1,824 |
| 100/300 | $1,937 |
| 250/500 | $2,231 |
| 100 CSL | $1,870 |
| 300 CSL | $2,118 |
| 500 CSL | $2,299 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,142 |
| 20 | $6,424 |
| 30 | $3,874 |
| 40 | $3,780 |
| 50 | $3,608 |
| 60 | $3,578 |
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 | $95 |
| Multi-vehicle | $92 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $764 |
Discounts are estimated and may not be available from every company or in every state.
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