Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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

Average premium for full coverage: $1,596

Rate estimates broken down by individual coverage type:

Comprehensive $346
Collision $632
Liability $460

Prices include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and XJ models.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $510 for just liability coverage to a high rate of $3,466 for a high-risk insurance policy.

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

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

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

These examples show why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on 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.

Detailed Rate Analysis

The chart below shows estimated Jaguar XJ insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $906
  • Drivers who choose higher $1,000 deductibles will pay approximately $222 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,596
  • Choosing low deductibles for comprehensive and collision insurance will cost $2,028
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,466 or more
  • The cost with full coverage for a teen driver can cost as much as $5,916 a year

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 can also vary considerably based on the trim level of your XJ, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $660 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,280 on average in New York, Louisiana, and Michigan.

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

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different 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 the Right Jaguar XJ Insurance

Saving money on Jaguar XJ insurance not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a quick rundown of the car insurance concepts touched on above.

  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,870 more annually for XJ insurance
  • Drivers can save approximately $200 per year simply by quoting online in advance
  • Increasing deductibles could save up to $650 each year
  • Drivers who want higher liability limits will pay about $510 each year to go from a minimum limit to higher 250/500 limits

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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