Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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Average insurance prices for a Jaguar XJ are $1,596 every 12 months for full coverage insurance. Comprehensive costs approximately $346 each year, collision insurance costs $632, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $3,466. Teenage drivers receive the highest rates at up to $5,916 a year.

Average premium for full coverage: $1,596

Rate estimates by individual coverage type:

Comprehensive $346
Collision $632
Liability $460

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and XJ models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $510 for just liability coverage to a high rate of $3,466 for a driver who requires high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

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

These examples illustrate why all drivers should compare prices using their specific location and their own driving history, rather than relying 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.

Detailed Rate Analysis

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

  • The best discount rate is $906
  • Using higher $1,000 deductibles will save $222 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,596
  • Using low deductibles for physical damage coverage increases the price to $2,028
  • Drivers who are prone to accidents and violations could pay around $3,466
  • The cost to insure a teen driver can cost $5,916 or more

View Chart as Image

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

Insurance rates for a Jaguar XJ can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your XJ.

Using high physical damage deductibles could cut rates by as much as $660 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Jaguar XJ insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,160 on average in Florida, New York, 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

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 Shop for More Affordable Jaguar XJ Insurance

Saving money on Jaguar XJ insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the concepts that were presented in the illustrations above.

  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,870 more per year than a low-risk driver
  • Youthful drivers are the costliest to insure, costing up to $493 per month if full coverage is included
  • It is possible to save around $200 per year just by quoting online in advance
  • Increasing deductibles could save as much as $650 each year
  • It is possible to save around $200 per year just by quoting online in advance

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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