Jaguar XJ Insurance Rates

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UPDATED: Jun 1, 2023

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Average auto insurance rates for a Jaguar XJ are $1,680 annually for full coverage insurance. Comprehensive costs approximately $362 a year, collision costs $704, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $3,658. Teen drivers receive the highest rates at $6,202 a year or more.

Average premium for full coverage: $1,680

Rate estimates by individual coverage type:

Comprehensive $362
Collision $704
Liability $456

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and XJ trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $508 for minimum levels of liability insurance to a high of $3,658 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,680
High Risk $3,658

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,260
Small Cities $1,764
Large Cities $2,268

These examples illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, 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 Rate Details

The chart below illustrates estimated Jaguar XJ insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $946
  • Raising to $1,000 deductibles will save $1,438 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,680
  • Choosing low $100 deductibles will cost $2,152
  • At-risk drivers with multiple violations and an at-fault accident could pay around $3,658 or more
  • The cost with full coverage for a teen driver can cost $6,202

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing full coverage Jaguar XJ insurance rates range from $946 to $6,202

Auto insurance rates for a Jaguar XJ can also vary considerably based on the trim level of your XJ, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,700 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $720 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,270 on average in Florida, New York, and Michigan.

Jaguar XJ Insurance Rates by State
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%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

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 $1,646 $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.

Jaguar XJ Insurance Rates by Model Year
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 Buy Affordable Jaguar XJ Insurance

Saving money on car insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

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

  • Drivers under the age of 20 have the highest car insurance rates, costing up to $517 per month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,980 more per year to insure a Jaguar XJ
  • Increasing deductibles could save up to $725 each year
  • It is possible to save around $210 per year simply by quoting early and online

Rates by Driver Age

Jaguar XJ Insurance 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

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,152
$250 $1,932
$500 $1,680
$1,000 $1,438

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
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

Jaguar XJ Insurance 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.

SR-22 Surcharge $241

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
Rate after discounts $946

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

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