Jaguar XJ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jan 8, 2020

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Average insurance rates for a Jaguar XJ are $1,068 a year including full coverage. Comprehensive insurance costs on average $200 a year, collision costs $268, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $2,292 or more. Teens receive the highest rates at $4,196 a year or more.

Average premium for full coverage: $1,068

Rate estimates by individual coverage type:

Comprehensive $200
Collision $268
Liability $442

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and XJ trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $496 for a discount liability-only rate to a high of $2,292 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,068
High Risk $2,292

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $801
Small Cities $1,121
Large Cities $1,442

These examples highlight why it is important to get quotes based on a specific location and risk profile, 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.

Rates by State, City, and Model

The chart below breaks down estimated Jaguar XJ insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $643
  • Choosing higher $1,000 deductibles can save around $962 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,068
  • Selecting low $100 deductibles for comp and collision coverage will cost an extra $204 annually
  • Higher-risk drivers with serious driving violations could pay upwards of $2,292 or more
  • The cost for full coverage for a 16-year-old driver may cost $4,196 each year

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing full coverage Jaguar XJ insurance prices range from $643 to $4,196

Insurance rates for a Jaguar XJ can also vary considerably based on your driver profile, the model of your XJ, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Jaguar XJ insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,530 on average in Michigan, New York, and Louisiana.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $966 -$102 -9.6%
Alaska $822 -$246 -23.0%
Arizona $888 -$180 -16.9%
Arkansas $1,068 -$0 0.0%
California $1,218 $150 14.0%
Colorado $1,020 -$48 -4.5%
Connecticut $1,100 $32 3.0%
Delaware $1,210 $142 13.3%
Florida $1,338 $270 25.3%
Georgia $986 -$82 -7.7%
Hawaii $768 -$300 -28.1%
Idaho $724 -$344 -32.2%
Illinois $796 -$272 -25.5%
Indiana $804 -$264 -24.7%
Iowa $720 -$348 -32.6%
Kansas $1,018 -$50 -4.7%
Kentucky $1,458 $390 36.5%
Louisiana $1,584 $516 48.3%
Maine $660 -$408 -38.2%
Maryland $882 -$186 -17.4%
Massachusetts $856 -$212 -19.9%
Michigan $1,856 $788 73.8%
Minnesota $894 -$174 -16.3%
Mississippi $1,282 $214 20.0%
Missouri $948 -$120 -11.2%
Montana $1,148 $80 7.5%
Nebraska $844 -$224 -21.0%
Nevada $1,282 $214 20.0%
New Hampshire $770 -$298 -27.9%
New Jersey $1,196 $128 12.0%
New Mexico $946 -$122 -11.4%
New York $1,126 $58 5.4%
North Carolina $614 -$454 -42.5%
North Dakota $876 -$192 -18.0%
Ohio $740 -$328 -30.7%
Oklahoma $1,098 $30 2.8%
Oregon $978 -$90 -8.4%
Pennsylvania $1,020 -$48 -4.5%
Rhode Island $1,426 $358 33.5%
South Carolina $968 -$100 -9.4%
South Dakota $902 -$166 -15.5%
Tennessee $938 -$130 -12.2%
Texas $1,288 $220 20.6%
Utah $792 -$276 -25.8%
Vermont $732 -$336 -31.5%
Virginia $642 -$426 -39.9%
Washington $828 -$240 -22.5%
West Virginia $980 -$88 -8.2%
Wisconsin $740 -$328 -30.7%
Wyoming $954 -$114 -10.7%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.

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 $1,054 $88
Jaguar XJ LWB 4-Dr Sedan $1,068 $89

Rates assume 1992 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
2004 Jaguar XJ $208 $284 $446 $1,096
2003 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 Low Cost Jaguar XJ Insurance

Saving money on insurance for a Jaguar XJ takes avoiding accidents and claims, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a review of the concepts that were touched on in the above illustrations.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,220 more each year to insure a Jaguar XJ
  • Drivers under the age of 20 pay higher rates, as much as $350 per month including comprehensive and collision insurance
  • You may be able to save as much as $120 per year simply by quoting early and online
  • Increasing deductibles can save around $300 each year
  • You may be able to save as much as $120 per year simply by quoting early and online

Rates by Driver Age

Jaguar XJ Insurance Rates by Driver Age
Driver Age Premium
16 $4,196
20 $2,436
30 $1,096
40 $1,068
50 $980
60 $958

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,272
$250 $1,180
$500 $1,068
$1,000 $962

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,068
50/100 $1,156
100/300 $1,267
250/500 $1,554
100 CSL $1,201
300 CSL $1,444
500 CSL $1,621

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XJ Insurance Rates for High Risk Drivers
Age Premium
16 $5,920
20 $3,876
30 $2,320
40 $2,292
50 $2,190
60 $2,170

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 $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $41
Advance Quote $48
Online Quote $73
Total Discounts $425
Rate after discounts $643

Discounts are estimated and may not be available from every company or in every state.

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