Jaguar XK Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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U.S. average insurance rates for a Jaguar XK are $1,106 a year including full coverage. Comprehensive costs an estimated $210 a year, collision insurance costs $296, and liability coverage is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $2,376. Teens pay the highest rates at up to $4,316 a year.

Average premium for full coverage: $1,106

Price estimates broken down by individual coverage:

Comprehensive $210
Collision $296
Liability $442

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and XK trim levels.

Price Range from Low to High

For the average driver, Jaguar XK insurance prices range from as low as $496 for your basic liability-only policy to a high of $2,376 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $1,106
High Risk $2,376

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

The ranges above highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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 breaks down average Jaguar XK insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $663
  • Raising to $1,000 deductibles will save approximately $990 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,106
  • Selecting low $100 deductibles will increase the cost to $1,326
  • Unlucky drivers with serious driving violations could pay up to $2,376
  • The price for full coverage for a teenage driver can cost as much as $4,316

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing Jaguar XK insurance rates range from $663 to $4,316 for full coverage

Insurance prices for a Jaguar XK are also quite variable based on your driving record, the model of your XK, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,300 a year. View Rates by Age

The state you live in also has a big influence on Jaguar XK insurance rates. A middle-age driver might find prices as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,580 on average in Louisiana, New York, and Michigan.

Jaguar XK Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,002 -$104 -9.4%
Alaska $850 -$256 -23.1%
Arizona $920 -$186 -16.8%
Arkansas $1,106 -$0 0.0%
California $1,260 $154 13.9%
Colorado $1,058 -$48 -4.3%
Connecticut $1,138 $32 2.9%
Delaware $1,252 $146 13.2%
Florida $1,386 $280 25.3%
Georgia $1,020 -$86 -7.8%
Hawaii $796 -$310 -28.0%
Idaho $748 -$358 -32.4%
Illinois $826 -$280 -25.3%
Indiana $832 -$274 -24.8%
Iowa $746 -$360 -32.5%
Kansas $1,052 -$54 -4.9%
Kentucky $1,512 $406 36.7%
Louisiana $1,640 $534 48.3%
Maine $682 -$424 -38.3%
Maryland $914 -$192 -17.4%
Massachusetts $886 -$220 -19.9%
Michigan $1,924 $818 74.0%
Minnesota $926 -$180 -16.3%
Mississippi $1,326 $220 19.9%
Missouri $982 -$124 -11.2%
Montana $1,190 $84 7.6%
Nebraska $872 -$234 -21.2%
Nevada $1,326 $220 19.9%
New Hampshire $796 -$310 -28.0%
New Jersey $1,238 $132 11.9%
New Mexico $980 -$126 -11.4%
New York $1,168 $62 5.6%
North Carolina $638 -$468 -42.3%
North Dakota $906 -$200 -18.1%
Ohio $766 -$340 -30.7%
Oklahoma $1,138 $32 2.9%
Oregon $1,014 -$92 -8.3%
Pennsylvania $1,058 -$48 -4.3%
Rhode Island $1,478 $372 33.6%
South Carolina $1,002 -$104 -9.4%
South Dakota $936 -$170 -15.4%
Tennessee $970 -$136 -12.3%
Texas $1,334 $228 20.6%
Utah $820 -$286 -25.9%
Vermont $758 -$348 -31.5%
Virginia $664 -$442 -40.0%
Washington $856 -$250 -22.6%
West Virginia $1,014 -$92 -8.3%
Wisconsin $766 -$340 -30.7%
Wyoming $988 -$118 -10.7%

View Chart as Image

Jaguar XK insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 131% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Jaguar XK Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XK Portfolio 2-Dr Coupe $1,014 $85
Jaguar XK 2-Dr Coupe $1,014 $85
Jaguar XK Portfolio 2-Dr Convertible $1,102 $92
Jaguar XK 2-Dr Convertible $1,102 $92

Rates assume 1999 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 XK Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2004 Jaguar XK $218 $312 $446 $1,134

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 Find Cheap Jaguar XK Insurance

Getting lower rates on auto insurance consists of being a good driver, having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were touched on above.

  • Drivers age 16 to 20 are expensive to insure, possibly costing $360 a month including comprehensive and collision insurance
  • Drivers that tend to have accidents or serious violations may pay on average $1,270 more annually than a safer driver
  • Increasing physical damage deductibles can save around $325 each year
  • You may be able to save approximately $130 per year just by quoting early and online

Rates by Driver Age

Jaguar XK Insurance Rates by Driver Age
Driver Age Premium
16 $4,316
20 $2,526
30 $1,138
40 $1,106
50 $1,014
60 $994

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,326
$250 $1,226
$500 $1,106
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,106
50/100 $1,190
100/300 $1,301
250/500 $1,588
100 CSL $1,235
300 CSL $1,478
500 CSL $1,655

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XK Insurance Rates for High Risk Drivers
Age Premium
16 $6,102
20 $4,020
30 $2,408
40 $2,376
50 $2,270
60 $2,248

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 $148

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $58
Homeowner $18
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $76
Total Discounts $443
Rate after discounts $663

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

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