Jaguar XJ Insurance Rates

The average auto insurance rates for a Jaguar XJ are $1,596 annually including full coverage. Comprehensive insurance costs approximately $346 each year, collision insurance costs $632, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $3,466 or more. Teen drivers cost the most to insure at up to $5,916 a year.

Average premium for full coverage: $1,596

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and XJ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location and their own personal driving habits, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Jaguar XJ insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $906
• Choosing higher $1,000 deductibles can save $222 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,596
• Choosing low deductibles for comp and collision coverage costs an additional $432 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,466
• Policy cost with full coverage for a teen driver can cost $5,916 each year

View Chart as Image

Insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,900 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 anywhere from $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $660 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jaguar XJ insurance prices. A good driver about age 40 could pay as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheap Jaguar XJ Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief summary of the data that was covered in the charts and tables above.

• You may be able to save around $200 per year just by quoting online in advance
• Policyholders who purchase more liability coverage will pay about $510 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Teen drivers are the costliest to insure, with premiums being up to $493 each month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,870 more per year to insure their XJ