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: Apr 29, 2024

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The average insurance prices for a Jaguar XJ are $1,734 every 12 months including full coverage. Comprehensive insurance costs approximately $376 each year, collision insurance costs $748, and liability insurance is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $3,780 or more. Teenage drivers cost the most to insure at up to $6,372 a year.

Average premium for full coverage: $1,734

Policy rates by type of insurance:

Comprehensive $376
Collision $748
Liability $452

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and XJ models.

Price Range Variability

For the normal driver, Jaguar XJ insurance rates range from the cheapest price of $504 for your basic liability-only policy to a high rate of $3,780 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,734
High Risk $3,780

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,301
Small Cities $1,821
Large Cities $2,341

The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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 Information

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

  • The best discount rate is $970
  • Raising to $1,000 deductibles will save $254 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,734
  • Using low deductibles costs an extra $498 a year
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,780
  • Policy cost to insure a teen driver can cost $6,372

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance prices range from $970 to $6,372 for full coverage

Auto insurance rates for a Jaguar XJ also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your XJ.

Using high physical damage deductibles can reduce rates by up to $760 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $6,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $2,100 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find rates as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,470 on average in Louisiana, New York, and Michigan.

Jaguar XJ Insurance Rates by State
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%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

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 $1,700 $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.

Jaguar XJ Insurance Rates by Model Year
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 Shop for the Right Jaguar XJ Insurance

Finding cheaper rates on Jaguar XJ insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the data presented in the illustrations above.

  • Drivers who purchase more liability coverage will pay an extra $500 per year to raise from a 30/60 limit to a 250/500 level
  • You may be able to save around $220 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $750 each year
  • Teen drivers have the highest car insurance rates, with premiums being up to $531 each month if comprehensive and collision insurance is included

Rates by Driver Age

Jaguar XJ Insurance 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

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,232
$250 $2,002
$500 $1,734
$1,000 $1,480

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
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

Jaguar XJ Insurance 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.

SR-22 Surcharge $250

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
Rate after discounts $970

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

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