Jaguar XK Insurance Rates
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UPDATED: May 27, 2024
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Average insurance prices for a Jaguar XK are $1,398 every 12 months with full coverage. Comprehensive costs around $290, collision costs $472, and liability costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing around $3,020. 16-year-old drivers receive the highest rates at $5,286 a year or more.
Average premium for full coverage: $1,398
Rate estimates for individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all XK models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $526 for liability-only coverage to the much higher price of $3,020 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why everyone should compare prices for a specific zip code and their own driving history, 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.
Additional Charts and Tables
The chart below details estimated Jaguar XK insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $811
- Using higher $1,000 deductibles will save about $174 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,398
- Buying pricier low deductibles for physical damage coverage increases the price to $1,732
- High-risk insureds with multiple tickets or accidents could pay at least $3,020 or more
- The cost to insure a 16-year-old driver for full coverage can be $5,286 or more
Auto insurance rates for a Jaguar XK can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $510 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 in extra premium per year, depending on your age. Jaguar XK insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Jaguar XK insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,890 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,264 | -$134 | -9.6% |
| Alaska | $1,072 | -$326 | -23.3% |
| Arizona | $1,160 | -$238 | -17.0% |
| Arkansas | $1,398 | -$0 | 0.0% |
| California | $1,594 | $196 | 14.0% |
| Colorado | $1,336 | -$62 | -4.4% |
| Connecticut | $1,436 | $38 | 2.7% |
| Delaware | $1,582 | $184 | 13.2% |
| Florida | $1,748 | $350 | 25.0% |
| Georgia | $1,290 | -$108 | -7.7% |
| Hawaii | $1,002 | -$396 | -28.3% |
| Idaho | $946 | -$452 | -32.3% |
| Illinois | $1,042 | -$356 | -25.5% |
| Indiana | $1,052 | -$346 | -24.7% |
| Iowa | $942 | -$456 | -32.6% |
| Kansas | $1,330 | -$68 | -4.9% |
| Kentucky | $1,906 | $508 | 36.3% |
| Louisiana | $2,068 | $670 | 47.9% |
| Maine | $862 | -$536 | -38.3% |
| Maryland | $1,152 | -$246 | -17.6% |
| Massachusetts | $1,118 | -$280 | -20.0% |
| Michigan | $2,428 | $1,030 | 73.7% |
| Minnesota | $1,170 | -$228 | -16.3% |
| Mississippi | $1,674 | $276 | 19.7% |
| Missouri | $1,240 | -$158 | -11.3% |
| Montana | $1,502 | $104 | 7.4% |
| Nebraska | $1,102 | -$296 | -21.2% |
| Nevada | $1,676 | $278 | 19.9% |
| New Hampshire | $1,008 | -$390 | -27.9% |
| New Jersey | $1,562 | $164 | 11.7% |
| New Mexico | $1,238 | -$160 | -11.4% |
| New York | $1,472 | $74 | 5.3% |
| North Carolina | $806 | -$592 | -42.3% |
| North Dakota | $1,144 | -$254 | -18.2% |
| Ohio | $966 | -$432 | -30.9% |
| Oklahoma | $1,436 | $38 | 2.7% |
| Oregon | $1,280 | -$118 | -8.4% |
| Pennsylvania | $1,334 | -$64 | -4.6% |
| Rhode Island | $1,864 | $466 | 33.3% |
| South Carolina | $1,266 | -$132 | -9.4% |
| South Dakota | $1,180 | -$218 | -15.6% |
| Tennessee | $1,224 | -$174 | -12.4% |
| Texas | $1,686 | $288 | 20.6% |
| Utah | $1,034 | -$364 | -26.0% |
| Vermont | $956 | -$442 | -31.6% |
| Virginia | $836 | -$562 | -40.2% |
| Washington | $1,080 | -$318 | -22.7% |
| West Virginia | $1,280 | -$118 | -8.4% |
| Wisconsin | $968 | -$430 | -30.8% |
| Wyoming | $1,246 | -$152 | -10.9% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XK Portfolio 2-Dr Coupe | $1,296 | $108 |
| Jaguar XK 2-Dr Coupe | $1,296 | $108 |
| Jaguar XK Portfolio 2-Dr Convertible | $1,390 | $116 |
| Jaguar XK 2-Dr Convertible | $1,390 | $116 |
Rates assume 2011 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 |
|---|---|---|---|---|
| 2015 Jaguar XK | $342 | $638 | $460 | $1,598 |
| 2014 Jaguar XK | $330 | $598 | $464 | $1,550 |
| 2013 Jaguar XK | $322 | $560 | $474 | $1,514 |
| 2012 Jaguar XK | $298 | $520 | $474 | $1,450 |
| 2011 Jaguar XK | $290 | $472 | $478 | $1,398 |
| 2010 Jaguar XK | $270 | $432 | $474 | $1,334 |
| 2004 Jaguar XK | $210 | $296 | $442 | $1,106 |
Rates are averaged for all Jaguar XK models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Jaguar XK Insurance
Saving money on insurance for a Jaguar XK requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a condensed summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,620 more every year for auto insurance
- You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $500 each year
- Insureds who may need higher levels of liability will pay around $530 every year to increase from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,286 |
| 20 | $3,204 |
| 30 | $1,450 |
| 40 | $1,398 |
| 50 | $1,278 |
| 60 | $1,252 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,732 |
| $250 | $1,578 |
| $500 | $1,398 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,398 |
| 50/100 | $1,486 |
| 100/300 | $1,605 |
| 250/500 | $1,916 |
| 100 CSL | $1,533 |
| 300 CSL | $1,796 |
| 500 CSL | $1,988 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,530 |
| 20 | $5,110 |
| 30 | $3,078 |
| 40 | $3,020 |
| 50 | $2,886 |
| 60 | $2,858 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $99 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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