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: May 29, 2023

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Average insurance rates for a Jaguar XJ are $1,068 a year with full coverage. Comprehensive insurance costs approximately $200, collision insurance costs $268, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,292 or more. Teen drivers receive the highest rates at up to $4,196 a year.

Average premium for full coverage: $1,068

Rate estimates by individual coverage type:

Comprehensive $200
Collision $268
Liability $442

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all XJ models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $496 for liability-only coverage to the much higher price of $2,292 for a high-risk driver policy.

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

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

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

These examples demonstrate why everyone should compare rates using their specific location and risk profile, instead of 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $643
  • Drivers who choose higher $1,000 deductibles will pay $106 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,068
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $204 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,292
  • The cost for full coverage for a teen driver for full coverage can cost $4,196 a year

View Chart as Image

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

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

Where you live makes a big difference in Jaguar XJ insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,440 on average in New York, Michigan, and Florida.

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 high deductibles could save up to $310 every year, whereas buying more liability protection will push rates upward. Moving 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 may be forking out anywhere from $1,300 to $1,800 additional per year, depending on your age. Jaguar XJ insurance for high-risk drivers can cost as much as 43% to 136% more than average. View High Risk Driver Rates

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 $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 Best Cheap Jaguar XJ Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a quick review of the information touched on in the above illustrations.

  • You may be able to save around $120 per year just by quoting online well ahead of the renewal date
  • Youthful drivers are the costliest to insure, with premiums as much as $350 per month including comprehensive and collision insurance
  • Increasing deductibles can save around $300 each year
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,220 more per year than a low-risk driver
  • Policyholders who purchase more liability protection will pay about $490 every year to go from a minimum limit to 250/500 limits

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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