Jaguar XJ Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,180 |
| $500 | $1,068 |
| $1,000 | $962 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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