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 27, 2024

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Average auto insurance rates for a Jaguar XK are $1,398 annually including full coverage. Comprehensive costs an estimated $290, collision costs $472, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $3,020. Teen drivers receive the highest rates at $5,286 a year or more.

Average premium for full coverage: $1,398

Rate estimates broken down by individual coverage type:

Comprehensive $290
Collision $472
Liability $478

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different XK trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $526 for just liability insurance to a much higher rate of $3,020 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $1,398
High Risk $3,020

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,049
Small Cities $1,468
Large Cities $1,887

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.

More Rate Details

The chart below breaks down estimated Jaguar XK insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $811
  • Raising to $1,000 deductibles will save approximately $174 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,398
  • Choosing more expensive low deductibles will cost $1,732
  • Drivers with multiple violations and an at-fault accident could pay up to $3,020 or more
  • The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,286

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing full coverage Jaguar XK insurance rates range from $811 to $5,286

Insurance rates for a Jaguar XK can also vary considerably based on the trim level of your XK, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $510 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jaguar XK insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,990 on average in Louisiana, New York, and Michigan.

Jaguar XK Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,264 -$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%

View Chart as Image

Jaguar XK insurance rates by U.S. city

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.

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 $1,296 $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.

Jaguar XK Insurance Rates by Model Year
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 Buy the Best Cheap Jaguar XK Insurance

Saving money on insurance for a Jaguar XK consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a quick review of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,620 more annually for XK insurance
  • Teens are charged the highest rates, as much as $441 per month including comprehensive and collision insurance
  • You may be able to save approximately $170 per year simply by shopping early and online
  • Increasing deductibles could save up to $500 each year
  • You may be able to save approximately $170 per year simply by shopping early and online

Rates by Driver Age

Jaguar XK Insurance 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

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,578
$500 $1,398
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
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

Jaguar XK Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $811

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

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