Jaguar XK Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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Average auto insurance rates for a Jaguar XK are $1,278 annually for full coverage insurance. Comprehensive insurance costs approximately $254, collision costs $392, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,756 or more. Teen drivers receive the highest rates at $4,902 a year or more.
Average premium for full coverage: $1,278
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different XK trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,756 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than 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 Information
The chart below illustrates estimated Jaguar XK insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $750
- Raising to $1,000 deductibles will save $146 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,278
- Choosing more expensive low deductibles costs an additional $282 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,756 or more
- The cost with full coverage for a teenage driver with full coverage can cost $4,902
Insurance rates for a Jaguar XK can also vary considerably based on the trim level of your XK, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $430 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Jaguar XK insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$122 | -9.5% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,456 | $178 | 13.9% |
| Colorado | $1,222 | -$56 | -4.4% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,446 | $168 | 13.1% |
| Florida | $1,600 | $322 | 25.2% |
| Georgia | $1,180 | -$98 | -7.7% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,216 | -$62 | -4.9% |
| Kentucky | $1,744 | $466 | 36.5% |
| Louisiana | $1,892 | $614 | 48.0% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,530 | $252 | 19.7% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,534 | $256 | 20.0% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,428 | $150 | 11.7% |
| New Mexico | $1,132 | -$146 | -11.4% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,314 | $36 | 2.8% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $946 | -$332 | -26.0% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $988 | -$290 | -22.7% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XK Portfolio 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK Portfolio 2-Dr Convertible | $1,274 | $106 |
| Jaguar XK 2-Dr Convertible | $1,274 | $106 |
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 | $322 | $560 | $474 | $1,514 |
| 2014 Jaguar XK | $298 | $520 | $474 | $1,450 |
| 2013 Jaguar XK | $290 | $472 | $478 | $1,398 |
| 2012 Jaguar XK | $270 | $432 | $474 | $1,334 |
| 2011 Jaguar XK | $254 | $392 | $474 | $1,278 |
| 2010 Jaguar XK | $246 | $352 | $468 | $1,224 |
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 Buy the Best Cheap Jaguar XK Insurance
Saving money on auto insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following list is a quick review of the information presented in the illustrations above.
- It is possible to save around $150 per year simply by shopping early and online
- Drivers age 16 to 20 are the costliest to insure, costing up to $409 per month if they have full coverage
- Increasing deductibles could save up to $425 each year
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more per year than a safer driver
- Consumers who purchase an increased level of liability coverage will pay about $520 annually to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,902 |
| 20 | $2,924 |
| 30 | $1,320 |
| 40 | $1,278 |
| 50 | $1,168 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,487 |
| 250/500 | $1,795 |
| 100 CSL | $1,416 |
| 300 CSL | $1,677 |
| 500 CSL | $1,867 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,960 |
| 20 | $4,662 |
| 30 | $2,802 |
| 40 | $2,756 |
| 50 | $2,632 |
| 60 | $2,606 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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