Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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U.S. average insurance rates for a Jaguar XJ are $1,596 a year including full coverage. Comprehensive insurance costs on average $346 a year, collision insurance costs $632, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $3,466 or more. 16-year-old drivers pay the highest rates at up to $5,916 a year.

Average premium for full coverage: $1,596

Price estimates by individual coverage:

Comprehensive $346
Collision $632
Liability $460

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and XJ trim levels.

Price Range from Low to High

For a 40-year-old driver, Jaguar XJ insurance prices range from as low as $510 for just the minimum liability insurance to a high of $3,466 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,596
High Risk $3,466

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,197
Small Cities $1,676
Large Cities $2,155

The ranges above highlight why it is important to compare rates based on a specific location and risk profile, rather than 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 Analysis

The chart below breaks down average Jaguar XJ insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $906
  • Drivers who choose higher $1,000 deductibles will pay around $1,374 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,596
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $432 each year
  • High-risk insureds with multiple tickets or accidents could pay upwards of $3,466
  • The price for full coverage for a teenage driver may cost $5,916 a year

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance prices range from $906 to $5,916 for full coverage

Auto insurance prices for a Jaguar XJ are also quite variable based on your driving record, the model of your XJ, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,900 a year. View Rates by Age

The state you live in makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,280 on average in Michigan, New York, and Louisiana.

Jaguar XJ Insurance Rates by State
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%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $660 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than the average rate. View High Risk Driver Rates

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 $1,564 $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.

Jaguar XJ Insurance Rates by Model Year
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 Best Jaguar XJ Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief recap of the concepts that were illustrated above.

  • Drivers who tend to receive serious violations may pay on average $1,870 more each year for auto insurance
  • Teenage drivers are charged the highest prices, possibly costing $493 a month if they have full coverage
  • You may be able to save as much as $200 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $650 each year
  • You may be able to save as much as $200 per year just by quoting early and online

Rates by Driver Age

Jaguar XJ Insurance 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

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,028
$250 $1,828
$500 $1,596
$1,000 $1,374

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
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

Jaguar XJ Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $906

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

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