Jaguar XJ Insurance Rates
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UPDATED: Jun 1, 2023
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Average insurance prices for a Jaguar XJ are $1,734 every 12 months including full coverage. Comprehensive costs an estimated $376, collision costs $748, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $3,780. Teen drivers receive the highest rates at $6,372 a year or more.
Average premium for full coverage: $1,734
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different XJ trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $504 for minimum levels of liability insurance to a much higher rate of $3,780 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how where you live affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, 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 Details
The chart below breaks down estimated Jaguar XJ insurance rates for other coverage scenarios.
- The lowest rate with discounts is $970
- Raising to $1,000 deductibles will save approximately $254 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,734
- Choosing more expensive low deductibles increases the price to $2,232
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,780 or more
- The cost to insure a teenage driver with full coverage can cost as much as $6,372
Car insurance rates for a Jaguar XJ can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $760 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $6,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $2,100 to $2,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates
Where you live also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find rates as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,470 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$166 | -9.6% |
| Alaska | $1,330 | -$404 | -23.3% |
| Arizona | $1,438 | -$296 | -17.1% |
| Arkansas | $1,734 | -$0 | 0.0% |
| California | $1,976 | $242 | 14.0% |
| Colorado | $1,656 | -$78 | -4.5% |
| Connecticut | $1,784 | $50 | 2.9% |
| Delaware | $1,962 | $228 | 13.1% |
| Florida | $2,168 | $434 | 25.0% |
| Georgia | $1,600 | -$134 | -7.7% |
| Hawaii | $1,246 | -$488 | -28.1% |
| Idaho | $1,174 | -$560 | -32.3% |
| Illinois | $1,292 | -$442 | -25.5% |
| Indiana | $1,306 | -$428 | -24.7% |
| Iowa | $1,170 | -$564 | -32.5% |
| Kansas | $1,648 | -$86 | -5.0% |
| Kentucky | $2,366 | $632 | 36.4% |
| Louisiana | $2,568 | $834 | 48.1% |
| Maine | $1,070 | -$664 | -38.3% |
| Maryland | $1,430 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$346 | -20.0% |
| Michigan | $3,014 | $1,280 | 73.8% |
| Minnesota | $1,452 | -$282 | -16.3% |
| Mississippi | $2,078 | $344 | 19.8% |
| Missouri | $1,538 | -$196 | -11.3% |
| Montana | $1,862 | $128 | 7.4% |
| Nebraska | $1,368 | -$366 | -21.1% |
| Nevada | $2,080 | $346 | 20.0% |
| New Hampshire | $1,252 | -$482 | -27.8% |
| New Jersey | $1,938 | $204 | 11.8% |
| New Mexico | $1,536 | -$198 | -11.4% |
| New York | $1,826 | $92 | 5.3% |
| North Carolina | $998 | -$736 | -42.4% |
| North Dakota | $1,420 | -$314 | -18.1% |
| Ohio | $1,198 | -$536 | -30.9% |
| Oklahoma | $1,780 | $46 | 2.7% |
| Oregon | $1,590 | -$144 | -8.3% |
| Pennsylvania | $1,656 | -$78 | -4.5% |
| Rhode Island | $2,314 | $580 | 33.4% |
| South Carolina | $1,572 | -$162 | -9.3% |
| South Dakota | $1,464 | -$270 | -15.6% |
| Tennessee | $1,518 | -$216 | -12.5% |
| Texas | $2,090 | $356 | 20.5% |
| Utah | $1,284 | -$450 | -26.0% |
| Vermont | $1,188 | -$546 | -31.5% |
| Virginia | $1,038 | -$696 | -40.1% |
| Washington | $1,340 | -$394 | -22.7% |
| West Virginia | $1,590 | -$144 | -8.3% |
| Wisconsin | $1,200 | -$534 | -30.8% |
| Wyoming | $1,546 | -$188 | -10.8% |
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,700 | $142 |
| Jaguar XJ LWB 4-Dr Sedan | $1,734 | $145 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Jaguar XJ | $392 | $806 | $442 | $1,798 |
| 2018 Jaguar XJ | $376 | $748 | $452 | $1,734 |
| 2017 Jaguar XJ | $362 | $704 | $456 | $1,680 |
| 2016 Jaguar XJ | $346 | $632 | $460 | $1,596 |
| 2015 Jaguar XJ | $324 | $580 | $460 | $1,522 |
| 2014 Jaguar XJ | $312 | $544 | $464 | $1,478 |
| 2013 Jaguar XJ | $306 | $508 | $474 | $1,446 |
| 2012 Jaguar XJ | $282 | $472 | $474 | $1,386 |
| 2011 Jaguar XJ | $274 | $428 | $478 | $1,338 |
| 2004 Jaguar XJ | $200 | $268 | $442 | $1,068 |
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 the Best Cheap Jaguar XJ Insurance
Saving money on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a quick review of the concepts that were touched on in the above illustrations.
- Drivers with a DUI or reckless driving violation may have to pay on average $2,050 more annually to insure a Jaguar XJ
- Drivers under the age of 20 have the highest car insurance rates, as much as $531 per month if the policy includes full coverage
- You may be able to save approximately $220 per year simply by shopping early and online
- Increasing deductibles could save as much as $750 each year
- You may be able to save approximately $220 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,372 |
| 20 | $4,030 |
| 30 | $1,820 |
| 40 | $1,734 |
| 50 | $1,582 |
| 60 | $1,554 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,232 |
| $250 | $2,002 |
| $500 | $1,734 |
| $1,000 | $1,480 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,734 |
| 50/100 | $1,824 |
| 100/300 | $1,937 |
| 250/500 | $2,231 |
| 100 CSL | $1,870 |
| 300 CSL | $2,118 |
| 500 CSL | $2,299 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,142 |
| 20 | $6,424 |
| 30 | $3,874 |
| 40 | $3,780 |
| 50 | $3,608 |
| 60 | $3,578 |
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 | $95 |
| Multi-vehicle | $92 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $764 |
Discounts are estimated and may not be available from every company or in every state.
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