Jaguar XJ Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 29, 2024
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The average auto insurance rates for a Jaguar XJ are $1,596 annually with full coverage. Comprehensive insurance costs around $346 each year, collision costs $632, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $3,466 or more. Teens cost the most to insure at $5,916 a year or more.
Average premium for full coverage: $1,596
Policy rates for type of insurance:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and XJ models.
Price Range Variability
Using a middle-aged driver as an example, Jaguar XJ insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $3,466 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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 estimated Jaguar XJ insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $906
- Raising to $1,000 deductibles will save about $222 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,596
- Selecting low deductibles costs an additional $432 annually
- Drivers with serious driving violations could pay at least $3,466 or more
- Policy cost with full coverage for a 16-year-old driver can be $5,916
Auto insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $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 may be forking out at least $1,900 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $660 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
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 New Hampshire, Ohio, and Utah, or have to pay at least $2,160 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and quoted rates 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 | $1,564 | $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 Buy Affordable Jaguar XJ Insurance
Finding cheaper rates on insurance for a Jaguar XJ consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief review of the primary concepts that were touched on in the above illustrations.
- You may be able to save up to $200 per year simply by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,870 more every year for car insurance
- Increasing comprehensive and collision deductibles could save up to $650 each year
- Teenagers are expensive to insure, as much as $493 each month if full coverage is included
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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