Jaguar XJ Insurance Rates
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Michelle Robbins
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UPDATED: Jun 1, 2023
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The average insurance rates for a Jaguar XJ are $1,680 a year for full coverage. Comprehensive insurance costs an estimated $362 each year, collision insurance costs $704, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,658 or more. 16-year-old drivers cost the most to insure at up to $6,202 a year.
Average premium for full coverage: $1,680
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and XJ models.
Price Range Variability
For the average 40-year-old driver, Jaguar XJ insurance rates range from the low end price of $508 for your basic liability-only policy to a high rate of $3,658 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.
The examples above show why all drivers should compare prices for a targeted area, instead of making a decision based on rate 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.
More Rate Information
The chart below shows average Jaguar XJ insurance rates for other coverage scenarios.
- The best full coverage rate is $946
- Using higher $1,000 deductibles will save approximately $242 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,680
- Buying low deductibles for physical damage coverage will cost an additional $472 annually
- High-risk insureds with multiple tickets or accidents could pay up to $3,658
- Policy cost that insures a 16-year-old driver can cost as much as $6,202 or more
Insurance rates for a Jaguar XJ also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $6,200 a year. View Rates by Age
Your home state has a huge impact on Jaguar XJ insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Iowa, Maine, and Idaho, or at least $2,400 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,518 | -$162 | -9.6% |
Alaska | $1,290 | -$390 | -23.2% |
Arizona | $1,394 | -$286 | -17.0% |
Arkansas | $1,680 | -$0 | 0.0% |
California | $1,914 | $234 | 13.9% |
Colorado | $1,606 | -$74 | -4.4% |
Connecticut | $1,728 | $48 | 2.9% |
Delaware | $1,902 | $222 | 13.2% |
Florida | $2,102 | $422 | 25.1% |
Georgia | $1,550 | -$130 | -7.7% |
Hawaii | $1,208 | -$472 | -28.1% |
Idaho | $1,136 | -$544 | -32.4% |
Illinois | $1,252 | -$428 | -25.5% |
Indiana | $1,266 | -$414 | -24.6% |
Iowa | $1,134 | -$546 | -32.5% |
Kansas | $1,596 | -$84 | -5.0% |
Kentucky | $2,292 | $612 | 36.4% |
Louisiana | $2,486 | $806 | 48.0% |
Maine | $1,038 | -$642 | -38.2% |
Maryland | $1,386 | -$294 | -17.5% |
Massachusetts | $1,342 | -$338 | -20.1% |
Michigan | $2,920 | $1,240 | 73.8% |
Minnesota | $1,406 | -$274 | -16.3% |
Mississippi | $2,014 | $334 | 19.9% |
Missouri | $1,490 | -$190 | -11.3% |
Montana | $1,804 | $124 | 7.4% |
Nebraska | $1,322 | -$358 | -21.3% |
Nevada | $2,014 | $334 | 19.9% |
New Hampshire | $1,210 | -$470 | -28.0% |
New Jersey | $1,876 | $196 | 11.7% |
New Mexico | $1,488 | -$192 | -11.4% |
New York | $1,770 | $90 | 5.4% |
North Carolina | $968 | -$712 | -42.4% |
North Dakota | $1,374 | -$306 | -18.2% |
Ohio | $1,160 | -$520 | -31.0% |
Oklahoma | $1,726 | $46 | 2.7% |
Oregon | $1,540 | -$140 | -8.3% |
Pennsylvania | $1,602 | -$78 | -4.6% |
Rhode Island | $2,242 | $562 | 33.5% |
South Carolina | $1,522 | -$158 | -9.4% |
South Dakota | $1,418 | -$262 | -15.6% |
Tennessee | $1,470 | -$210 | -12.5% |
Texas | $2,024 | $344 | 20.5% |
Utah | $1,246 | -$434 | -25.8% |
Vermont | $1,152 | -$528 | -31.4% |
Virginia | $1,006 | -$674 | -40.1% |
Washington | $1,300 | -$380 | -22.6% |
West Virginia | $1,540 | -$140 | -8.3% |
Wisconsin | $1,164 | -$516 | -30.7% |
Wyoming | $1,498 | -$182 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $720 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Jaguar XJ SWB 4-Dr Sedan | $1,646 | $137 |
Jaguar XJ LWB 4-Dr Sedan | $1,680 | $140 |
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 | $376 | $748 | $452 | $1,734 |
2018 Jaguar XJ | $362 | $704 | $456 | $1,680 |
2017 Jaguar XJ | $346 | $632 | $460 | $1,596 |
2016 Jaguar XJ | $324 | $580 | $460 | $1,522 |
2015 Jaguar XJ | $312 | $544 | $464 | $1,478 |
2014 Jaguar XJ | $306 | $508 | $474 | $1,446 |
2013 Jaguar XJ | $282 | $472 | $474 | $1,386 |
2012 Jaguar XJ | $274 | $428 | $478 | $1,338 |
2011 Jaguar XJ | $256 | $392 | $474 | $1,280 |
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 Affordable Jaguar XJ Insurance
Finding cheaper rates on insurance for a Jaguar XJ requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every time your policy renews by requesting rates from direct carriers, and also from your local independent and exclusive agents.
The following list is a brief review of the information touched on in this article.
- Drivers can save approximately $210 per year just by quoting online in advance
- Drivers age 16 to 20 are charged the highest rates, costing up to $517 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save approximately $725 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,980 more annually than a safer driver
- Insureds who want an increased level of liability coverage will pay around $500 each year to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $6,202 |
20 | $3,898 |
30 | $1,760 |
40 | $1,680 |
50 | $1,532 |
60 | $1,504 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,152 |
$250 | $1,932 |
$500 | $1,680 |
$1,000 | $1,438 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,680 |
50/100 | $1,771 |
100/300 | $1,885 |
250/500 | $2,182 |
100 CSL | $1,817 |
300 CSL | $2,068 |
500 CSL | $2,250 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,888 |
20 | $6,216 |
30 | $3,746 |
40 | $3,658 |
50 | $3,492 |
60 | $3,462 |
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 | $91 |
Multi-vehicle | $89 |
Homeowner | $24 |
5-yr Accident Free | $130 |
5-yr Claim Free | $111 |
Paid in Full/EFT | $81 |
Advance Quote | $86 |
Online Quote | $122 |
Total Discounts | $734 |
Discounts are estimated and may not be available from every company or in every state.
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