Jaguar XJ Insurance Rates

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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 costs on average $346 each year, collision costs $632, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,466. Teenage drivers cost the most to insure at $5,916 a year or more.

Average premium for full coverage: $1,596

Policy rates by type of insurance:

Comprehensive $346
Collision $632
Liability $460

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and XJ models.

Price Range Variability

For an average driver, Jaguar XJ insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $3,466 for high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

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

The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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 Analysis

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

  • The best discount rate is $906
  • Using higher $1,000 deductibles will save around $222 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,596
  • Using low deductibles for physical damage coverage will cost $2,028
  • High-risk insureds who are prone to accidents and violations could pay upwards of $3,466 or more
  • Policy cost with full coverage for a 16-year-old driver may cost $5,916 or more

View Chart as Image

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

Insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards 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 may be forking out at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $660 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jaguar XJ insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, and New York.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,444 -$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

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy More Affordable Jaguar XJ Insurance

Finding cheaper rates on insurance for a Jaguar XJ requires having a decent driving record, having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the material that was covered in the above illustrations.

  • Insureds who require additional liability coverage will pay an extra $510 every year to increase from a 30/60 limit to higher 250/500 limits
  • 16 to 18-year-old drivers pay the highest rates, as much as $493 each month including comprehensive and collision insurance
  • Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,870 more each year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $650 each year

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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