Jaguar XJ Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 1, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Jaguar XJ are $1,734 annually including full coverage. Comprehensive costs on average $376, collision costs $748, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $3,780. 16-year-old drivers pay the highest rates at $6,372 a year or more.
Average premium for full coverage: $1,734
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different XJ trim levels.
Price Range from Low to High
For a 40-year-old driver, Jaguar XJ insurance prices go from as cheap as $504 for just the minimum liability insurance to a much higher rate of $3,780 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how your location can change car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using 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.
Additional Rate Analysis
The chart below breaks down estimated Jaguar XJ insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $970
- Drivers who choose higher $1,000 deductibles will pay around $254 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,734
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $2,232
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,780 or more
- The price with full coverage for a teenage driver with full coverage may cost $6,372 a year
Insurance prices for a Jaguar XJ are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $6,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $2,100 to $2,800 additional each year, depending on your age. High-risk driver insurance can cost around 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $760 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,470 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company utilizes a different rate formula, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheap Jaguar XJ Insurance
Getting lower rates on auto insurance not only requires having a decent driving record, but also having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the data that was illustrated above.
- You may be able to save as much as $220 per year simply by shopping early and online
- Consumers who require additional liability coverage will pay around $500 per year to go from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers pay higher prices, possibly costing $531 a month if they have full coverage
- Drivers that tend to have accidents or serious violations pay on average $2,050 more each year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,232 |
| $250 | $2,002 |
| $500 | $1,734 |
| $1,000 | $1,480 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
