Jaguar XJ 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: Apr 29, 2024

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The average insurance prices for a Jaguar XJ are $1,680 every 12 months for full coverage. Comprehensive insurance costs an estimated $362, collision insurance costs $704, and liability coverage is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs $3,658 or more. Teenage drivers cost the most to insure at up to $6,202 a year.

Average premium for full coverage: $1,680

Policy rates broken down by type of insurance:

Comprehensive $362
Collision $704
Liability $456

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all XJ models.

Price Range Variability

For an average driver, Jaguar XJ insurance rates range from the cheapest price of $508 for just liability insurance to the much higher price of $3,658 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,680
High Risk $3,658

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,260
Small Cities $1,764
Large Cities $2,268

The examples above show why everyone should compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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 shows average Jaguar XJ insurance rates for other coverage scenarios.

  • The best discount rate is $946
  • Raising to $1,000 deductibles will save approximately $242 a year
  • The average price for a good driver age 40 who has $500 deductibles is $1,680
  • Using pricier low deductibles costs an extra $472 each year
  • Unlucky drivers who are prone to accidents and violations could pay up to $3,658
  • Policy cost to insure a teenage driver for full coverage can cost as much as $6,202

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance prices range from $946 to $6,202 for full coverage

Auto insurance rates for a Jaguar XJ also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $720 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $6,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,000 to $2,700 in extra premium every year, depending on your age. Jaguar XJ insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,400 on average in New York, Louisiana, and Michigan.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,518 -$162 -9.6%
Alaska $1,290 -$390 -23.2%
Arizona $1,394 -$286 -17.0%
Arkansas $1,680 -$0 0.0%
California $1,914 $234 13.9%
Colorado $1,606 -$74 -4.4%
Connecticut $1,728 $48 2.9%
Delaware $1,902 $222 13.2%
Florida $2,102 $422 25.1%
Georgia $1,550 -$130 -7.7%
Hawaii $1,208 -$472 -28.1%
Idaho $1,136 -$544 -32.4%
Illinois $1,252 -$428 -25.5%
Indiana $1,266 -$414 -24.6%
Iowa $1,134 -$546 -32.5%
Kansas $1,596 -$84 -5.0%
Kentucky $2,292 $612 36.4%
Louisiana $2,486 $806 48.0%
Maine $1,038 -$642 -38.2%
Maryland $1,386 -$294 -17.5%
Massachusetts $1,342 -$338 -20.1%
Michigan $2,920 $1,240 73.8%
Minnesota $1,406 -$274 -16.3%
Mississippi $2,014 $334 19.9%
Missouri $1,490 -$190 -11.3%
Montana $1,804 $124 7.4%
Nebraska $1,322 -$358 -21.3%
Nevada $2,014 $334 19.9%
New Hampshire $1,210 -$470 -28.0%
New Jersey $1,876 $196 11.7%
New Mexico $1,488 -$192 -11.4%
New York $1,770 $90 5.4%
North Carolina $968 -$712 -42.4%
North Dakota $1,374 -$306 -18.2%
Ohio $1,160 -$520 -31.0%
Oklahoma $1,726 $46 2.7%
Oregon $1,540 -$140 -8.3%
Pennsylvania $1,602 -$78 -4.6%
Rhode Island $2,242 $562 33.5%
South Carolina $1,522 -$158 -9.4%
South Dakota $1,418 -$262 -15.6%
Tennessee $1,470 -$210 -12.5%
Texas $2,024 $344 20.5%
Utah $1,246 -$434 -25.8%
Vermont $1,152 -$528 -31.4%
Virginia $1,006 -$674 -40.1%
Washington $1,300 -$380 -22.6%
West Virginia $1,540 -$140 -8.3%
Wisconsin $1,164 -$516 -30.7%
Wyoming $1,498 -$182 -10.8%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Jaguar XJ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XJ SWB 4-Dr Sedan $1,646 $137
Jaguar XJ LWB 4-Dr Sedan $1,680 $140

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.

Jaguar XJ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Jaguar XJ $376 $748 $452 $1,734
2018 Jaguar XJ $362 $704 $456 $1,680
2017 Jaguar XJ $346 $632 $460 $1,596
2016 Jaguar XJ $324 $580 $460 $1,522
2015 Jaguar XJ $312 $544 $464 $1,478
2013 Jaguar XJ $282 $472 $474 $1,386
2012 Jaguar XJ $274 $428 $478 $1,338
2011 Jaguar XJ $256 $392 $474 $1,280

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 Shop for Affordable Jaguar XJ Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below is a brief review of the ideas that were covered in the above illustrations.

  • Teenage drivers are the costliest to insure, costing up to $517 each month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions pay on average $1,980 more annually for auto insurance
  • Increasing comprehensive and collision deductibles could save as much as $725 each year
  • Drivers can save approximately $210 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Jaguar XJ Insurance Rates by Driver Age
Driver Age Premium
16 $6,202
20 $3,898
30 $1,760
40 $1,680
50 $1,532
60 $1,504

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,152
$250 $1,932
$500 $1,680
$1,000 $1,438

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,680
50/100 $1,771
100/300 $1,885
250/500 $2,182
100 CSL $1,817
300 CSL $2,068
500 CSL $2,250

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XJ Insurance Rates for High Risk Drivers
Age Premium
16 $8,888
20 $6,216
30 $3,746
40 $3,658
50 $3,492
60 $3,462

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 $241

Potential Rate Discounts

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

Discount Savings
Multi-policy $91
Multi-vehicle $89
Homeowner $24
5-yr Accident Free $130
5-yr Claim Free $111
Paid in Full/EFT $81
Advance Quote $86
Online Quote $122
Total Discounts $734
Rate after discounts $946

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

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