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...

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UPDATED: Apr 29, 2024

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The average auto insurance rates for a Jaguar XJ are $1,680 annually for full coverage. Comprehensive costs around $362 each year, collision insurance costs $704, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs around $3,658. 16-year-old drivers cost the most to insure at up to $6,202 a year.

Average premium for full coverage: $1,680

Policy rates for type of insurance:

Comprehensive $362
Collision $704
Liability $456

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and XJ models.

Price Range Variability

Using a middle-aged driver as an example, Jaguar XJ insurance rates range from as cheap as $508 for the bare minimum liability coverage to a high rate of $3,658 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.

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

The examples above show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 Rate Information

The chart below shows average Jaguar XJ insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $946
  • Raising to $1,000 deductibles will save about $242 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,680
  • Buying low deductibles will cost $2,152
  • At-risk drivers with multiple tickets or accidents could pay at least $3,658
  • Policy cost with full coverage for a teen driver can be $6,202

View Chart as Image

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

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $6,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $720 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

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

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 Buy the Best Cheap Jaguar XJ Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the data touched on in the above illustrations.

  • Policyholders who may need an increased level of liability coverage will pay around $500 each year to raise from a 30/60 limit to higher 250/500 limits
  • Drivers can save up to $210 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $725 each year
  • Drivers age 16 to 20 are the costliest to insure, costing up to $517 each month if comprehensive and collision insurance is included

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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