Jaguar XJ Insurance Rates
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Michelle Robbins
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UPDATED: Apr 29, 2024
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The average insurance rates for a Jaguar XJ are $1,596 a year with full coverage. Comprehensive insurance costs approximately $346 a year, collision costs $632, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $3,466 or more. 16-year-old drivers cost the most to insure at $5,916 a year or more.
Average premium for full coverage: $1,596
Policy rates by type of insurance:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and XJ trim levels.
Price Range Variability
For a driver in their 40's, Jaguar XJ insurance rates go from as low as $510 for your basic liability-only policy to a high of $3,466 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, 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.
More Rate Information
The chart below details estimated Jaguar XJ insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $906
- Raising to $1,000 deductibles will save $1,374 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,596
- Buying low $100 deductibles will cost an extra $432 every year
- At-risk drivers with multiple tickets or accidents could pay around $3,466 or more
- Policy cost for full coverage for a teen driver can cost $5,916
Car insurance rates for a Jaguar XJ also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,900 a year. View Rates by Age
Your home state also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or at least $2,160 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,444 | -$152 | -9.5% |
| Alaska | $1,224 | -$372 | -23.3% |
| Arizona | $1,326 | -$270 | -16.9% |
| Arkansas | $1,596 | -$0 | 0.0% |
| California | $1,820 | $224 | 14.0% |
| Colorado | $1,526 | -$70 | -4.4% |
| Connecticut | $1,642 | $46 | 2.9% |
| Delaware | $1,806 | $210 | 13.2% |
| Florida | $1,998 | $402 | 25.2% |
| Georgia | $1,474 | -$122 | -7.6% |
| Hawaii | $1,146 | -$450 | -28.2% |
| Idaho | $1,080 | -$516 | -32.3% |
| Illinois | $1,188 | -$408 | -25.6% |
| Indiana | $1,202 | -$394 | -24.7% |
| Iowa | $1,076 | -$520 | -32.6% |
| Kansas | $1,518 | -$78 | -4.9% |
| Kentucky | $2,178 | $582 | 36.5% |
| Louisiana | $2,364 | $768 | 48.1% |
| Maine | $986 | -$610 | -38.2% |
| Maryland | $1,318 | -$278 | -17.4% |
| Massachusetts | $1,276 | -$320 | -20.1% |
| Michigan | $2,774 | $1,178 | 73.8% |
| Minnesota | $1,336 | -$260 | -16.3% |
| Mississippi | $1,912 | $316 | 19.8% |
| Missouri | $1,416 | -$180 | -11.3% |
| Montana | $1,714 | $118 | 7.4% |
| Nebraska | $1,260 | -$336 | -21.1% |
| Nevada | $1,916 | $320 | 20.1% |
| New Hampshire | $1,152 | -$444 | -27.8% |
| New Jersey | $1,786 | $190 | 11.9% |
| New Mexico | $1,414 | -$182 | -11.4% |
| New York | $1,682 | $86 | 5.4% |
| North Carolina | $920 | -$676 | -42.4% |
| North Dakota | $1,308 | -$288 | -18.0% |
| Ohio | $1,104 | -$492 | -30.8% |
| Oklahoma | $1,640 | $44 | 2.8% |
| Oregon | $1,462 | -$134 | -8.4% |
| Pennsylvania | $1,522 | -$74 | -4.6% |
| Rhode Island | $2,130 | $534 | 33.5% |
| South Carolina | $1,446 | -$150 | -9.4% |
| South Dakota | $1,348 | -$248 | -15.5% |
| Tennessee | $1,398 | -$198 | -12.4% |
| Texas | $1,924 | $328 | 20.6% |
| Utah | $1,182 | -$414 | -25.9% |
| Vermont | $1,092 | -$504 | -31.6% |
| Virginia | $956 | -$640 | -40.1% |
| Washington | $1,236 | -$360 | -22.6% |
| West Virginia | $1,464 | -$132 | -8.3% |
| Wisconsin | $1,106 | -$490 | -30.7% |
| Wyoming | $1,422 | -$174 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $660 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,564 | $130 |
| Jaguar XJ LWB 4-Dr Sedan | $1,596 | $133 |
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 | $362 | $704 | $456 | $1,680 |
| 2018 Jaguar XJ | $346 | $632 | $460 | $1,596 |
| 2017 Jaguar XJ | $324 | $580 | $460 | $1,522 |
| 2016 Jaguar XJ | $312 | $544 | $464 | $1,478 |
| 2015 Jaguar XJ | $306 | $508 | $474 | $1,446 |
| 2013 Jaguar XJ | $274 | $428 | $478 | $1,338 |
| 2012 Jaguar XJ | $256 | $392 | $474 | $1,280 |
| 2011 Jaguar XJ | $242 | $356 | $474 | $1,230 |
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 Find the Cheapest Jaguar XJ Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a recap of the information covered in the charts and tables above.
- You may be able to save around $200 per year simply by quoting early and online
- Teenage drivers pay the highest auto insurance rates, as much as $493 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $650 each year
- Higher risk drivers that have major violations or accidents pay on average $1,870 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay around $510 every year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,916 |
| 20 | $3,686 |
| 30 | $1,666 |
| 40 | $1,596 |
| 50 | $1,458 |
| 60 | $1,430 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,028 |
| $250 | $1,828 |
| $500 | $1,596 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,596 |
| 50/100 | $1,688 |
| 100/300 | $1,803 |
| 250/500 | $2,102 |
| 100 CSL | $1,734 |
| 300 CSL | $1,987 |
| 500 CSL | $2,171 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,462 |
| 20 | $5,876 |
| 30 | $3,546 |
| 40 | $3,466 |
| 50 | $3,308 |
| 60 | $3,280 |
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 | $86 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $75 |
| Advance Quote | $80 |
| Online Quote | $115 |
| Total Discounts | $690 |
Discounts are estimated and may not be available from every company or in every state.
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