Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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Estimated auto insurance rates for a Jaguar XJ are $1,680 annually with full coverage. Comprehensive insurance costs on average $362 each year, collision insurance costs $704, and liability coverage is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs $3,658 or more. Teen drivers pay the most at up to $6,202 a year.

Average premium for full coverage: $1,680

Premium estimates by type of coverage:

Comprehensive $362
Collision $704
Liability $456

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and XJ models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Jaguar XJ range from as cheap as $508 for just the minimum liability insurance 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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.

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

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, 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 Analysis

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

  • The lowest rate with discounts is $946
  • Raising to $1,000 deductibles will save around $242 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,680
  • Choosing low deductibles costs an additional $472 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,658
  • An auto insurance policy with full coverage for a teenage driver may cost $6,202

View Chart as Image

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

Insurance prices for a Jaguar XJ also have a wide range based on the model of your XJ, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $6,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $2,000 to $2,700 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $720 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find prices as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,270 on average in Florida, Michigan, 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 Cheaper Jaguar XJ Insurance

Finding better rates on auto insurance consists of having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at every policy renewal by quoting rates from direct companies, and also from local independent and exclusive agents.

The next list is a condensed summary of the data touched on above.

  • Consumers who require increased levels of liability coverage will pay about $500 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save as much as $210 per year just by quoting online in advance
  • Increasing policy deductibles could save up to $725 each year
  • Drivers age 20 and younger pay higher prices, possibly costing $517 per month if they have full coverage

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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