Jaguar XJ Insurance Rates

Average insurance rates for a Jaguar XJ are $1,596 a year including full coverage. Comprehensive insurance costs around $346 each year, collision costs $632, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $3,466 or more. Teen drivers receive the highest rates at $5,916 a year or more.

Average premium for full coverage: $1,596

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and XJ models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Jaguar XJ insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $906
• Choosing higher $1,000 deductibles can save about $222 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,596
• Choosing low deductibles for comp and collision coverage will cost an additional $432 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,466 or more
• The cost that insures a 16-year-old driver can be $5,916 each year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at least $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 133% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,900 a year. View Rates by Age

Where you live 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 Missouri, New Hampshire, and Vermont, or as much as $2,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different.

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 Find the Best Jaguar XJ Insurance

Saving money on insurance for a Jaguar XJ takes having a decent driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the information covered above.

• You may be able to save up to $200 per year simply by quoting online in advance
• 16 to 18-year-old drivers are charged the highest rates, as much as $493 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $650 each year
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,870 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay about $510 per year to raise limits from a minimum limit to the 250/500 level