Jaguar XJ Insurance Rates
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UPDATED: May 29, 2023
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The average auto insurance rates for a Jaguar XJ are $1,068 annually including full coverage. Comprehensive insurance costs around $200, collision costs $268, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,292 or more. Teenage drivers cost the most to insure at $4,196 a year or more.
Average premium for full coverage: $1,068
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different XJ trim levels.
Price Range Variability
For a driver around age 40, Jaguar XJ insurance rates go from as cheap as $496 for the bare minimum liability coverage to a much higher rate of $2,292 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of 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.
Additional Rate Information
The chart below breaks down estimated Jaguar XJ insurance rates for additional coverage choices and driver risks.
- The best discount rate is $643
- Drivers who choose higher $1,000 deductibles will pay about $106 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,068
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $204 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,292 or more
- Policy cost with full coverage for a teen driver with full coverage can be $4,196 a year
Car insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $310 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Jaguar XJ insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,530 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $966 | -$102 | -9.6% |
| Alaska | $822 | -$246 | -23.0% |
| Arizona | $888 | -$180 | -16.9% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,218 | $150 | 14.0% |
| Colorado | $1,020 | -$48 | -4.5% |
| Connecticut | $1,100 | $32 | 3.0% |
| Delaware | $1,210 | $142 | 13.3% |
| Florida | $1,338 | $270 | 25.3% |
| Georgia | $986 | -$82 | -7.7% |
| Hawaii | $768 | -$300 | -28.1% |
| Idaho | $724 | -$344 | -32.2% |
| Illinois | $796 | -$272 | -25.5% |
| Indiana | $804 | -$264 | -24.7% |
| Iowa | $720 | -$348 | -32.6% |
| Kansas | $1,018 | -$50 | -4.7% |
| Kentucky | $1,458 | $390 | 36.5% |
| Louisiana | $1,584 | $516 | 48.3% |
| Maine | $660 | -$408 | -38.2% |
| Maryland | $882 | -$186 | -17.4% |
| Massachusetts | $856 | -$212 | -19.9% |
| Michigan | $1,856 | $788 | 73.8% |
| Minnesota | $894 | -$174 | -16.3% |
| Mississippi | $1,282 | $214 | 20.0% |
| Missouri | $948 | -$120 | -11.2% |
| Montana | $1,148 | $80 | 7.5% |
| Nebraska | $844 | -$224 | -21.0% |
| Nevada | $1,282 | $214 | 20.0% |
| New Hampshire | $770 | -$298 | -27.9% |
| New Jersey | $1,196 | $128 | 12.0% |
| New Mexico | $946 | -$122 | -11.4% |
| New York | $1,126 | $58 | 5.4% |
| North Carolina | $614 | -$454 | -42.5% |
| North Dakota | $876 | -$192 | -18.0% |
| Ohio | $740 | -$328 | -30.7% |
| Oklahoma | $1,098 | $30 | 2.8% |
| Oregon | $978 | -$90 | -8.4% |
| Pennsylvania | $1,020 | -$48 | -4.5% |
| Rhode Island | $1,426 | $358 | 33.5% |
| South Carolina | $968 | -$100 | -9.4% |
| South Dakota | $902 | -$166 | -15.5% |
| Tennessee | $938 | -$130 | -12.2% |
| Texas | $1,288 | $220 | 20.6% |
| Utah | $792 | -$276 | -25.8% |
| Vermont | $732 | -$336 | -31.5% |
| Virginia | $642 | -$426 | -39.9% |
| Washington | $828 | -$240 | -22.5% |
| West Virginia | $980 | -$88 | -8.2% |
| Wisconsin | $740 | -$328 | -30.7% |
| Wyoming | $954 | -$114 | -10.7% |
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,054 | $88 |
| Jaguar XJ LWB 4-Dr Sedan | $1,068 | $89 |
Rates assume 1992 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 |
|---|---|---|---|---|
| 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 Buy More Affordable Jaguar XJ Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the coverage data covered above.
- You may be able to save up to $120 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $350 each month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,220 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,196 |
| 20 | $2,436 |
| 30 | $1,096 |
| 40 | $1,068 |
| 50 | $980 |
| 60 | $958 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,180 |
| $500 | $1,068 |
| $1,000 | $962 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,156 |
| 100/300 | $1,267 |
| 250/500 | $1,554 |
| 100 CSL | $1,201 |
| 300 CSL | $1,444 |
| 500 CSL | $1,621 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,920 |
| 20 | $3,876 |
| 30 | $2,320 |
| 40 | $2,292 |
| 50 | $2,190 |
| 60 | $2,170 |
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 | $55 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $41 |
| Advance Quote | $48 |
| Online Quote | $73 |
| Total Discounts | $425 |
Discounts are estimated and may not be available from every company or in every state.
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