Jaguar XJ Insurance Rates
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UPDATED: May 29, 2023
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Estimated insurance rates for a Jaguar XJ are $1,068 a year for full coverage insurance. Comprehensive insurance costs approximately $200, collision insurance costs $268, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $2,292 or more. Teens pay the most at up to $4,196 a year.
Average premium for full coverage: $1,068
Premium estimates by type of coverage:
Includes $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all XJ models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jaguar XJ range from the low end price of $496 for basic liability insurance to the much higher price of $2,292 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why everyone should compare rates using their specific location, instead of using 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.
Rate Comparisons
The chart below illustrates average Jaguar XJ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $643
- Drivers who choose higher $1,000 deductibles will pay $106 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,068
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $204 every year
- Higher-risk drivers with serious driving violations could pay around $2,292
- An auto insurance policy that insures a teen driver for full coverage can cost $4,196 a year
Insurance prices for a Jaguar XJ also have a wide range based on the model of your XJ, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,800 extra annually, depending on your age. Jaguar XJ insurance for high-risk drivers can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,100 a year. View Rates by Age
Where you choose to live makes a big difference in Jaguar XJ insurance prices. A 40-year-old driver could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,440 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $966 | -$102 | -9.6% |
| Alaska | $822 | -$246 | -23.0% |
| Arizona | $888 | -$180 | -16.9% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,218 | $150 | 14.0% |
| Colorado | $1,020 | -$48 | -4.5% |
| Connecticut | $1,100 | $32 | 3.0% |
| Delaware | $1,210 | $142 | 13.3% |
| Florida | $1,338 | $270 | 25.3% |
| Georgia | $986 | -$82 | -7.7% |
| Hawaii | $768 | -$300 | -28.1% |
| Idaho | $724 | -$344 | -32.2% |
| Illinois | $796 | -$272 | -25.5% |
| Indiana | $804 | -$264 | -24.7% |
| Iowa | $720 | -$348 | -32.6% |
| Kansas | $1,018 | -$50 | -4.7% |
| Kentucky | $1,458 | $390 | 36.5% |
| Louisiana | $1,584 | $516 | 48.3% |
| Maine | $660 | -$408 | -38.2% |
| Maryland | $882 | -$186 | -17.4% |
| Massachusetts | $856 | -$212 | -19.9% |
| Michigan | $1,856 | $788 | 73.8% |
| Minnesota | $894 | -$174 | -16.3% |
| Mississippi | $1,282 | $214 | 20.0% |
| Missouri | $948 | -$120 | -11.2% |
| Montana | $1,148 | $80 | 7.5% |
| Nebraska | $844 | -$224 | -21.0% |
| Nevada | $1,282 | $214 | 20.0% |
| New Hampshire | $770 | -$298 | -27.9% |
| New Jersey | $1,196 | $128 | 12.0% |
| New Mexico | $946 | -$122 | -11.4% |
| New York | $1,126 | $58 | 5.4% |
| North Carolina | $614 | -$454 | -42.5% |
| North Dakota | $876 | -$192 | -18.0% |
| Ohio | $740 | -$328 | -30.7% |
| Oklahoma | $1,098 | $30 | 2.8% |
| Oregon | $978 | -$90 | -8.4% |
| Pennsylvania | $1,020 | -$48 | -4.5% |
| Rhode Island | $1,426 | $358 | 33.5% |
| South Carolina | $968 | -$100 | -9.4% |
| South Dakota | $902 | -$166 | -15.5% |
| Tennessee | $938 | -$130 | -12.2% |
| Texas | $1,288 | $220 | 20.6% |
| Utah | $792 | -$276 | -25.8% |
| Vermont | $732 | -$336 | -31.5% |
| Virginia | $642 | -$426 | -39.9% |
| Washington | $828 | -$240 | -22.5% |
| West Virginia | $980 | -$88 | -8.2% |
| Wisconsin | $740 | -$328 | -30.7% |
| Wyoming | $954 | -$114 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could save up to $310 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XJ SWB 4-Dr Sedan | $1,054 | $88 |
| Jaguar XJ LWB 4-Dr Sedan | $1,068 | $89 |
Rates assume 1992 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 |
|---|---|---|---|---|
| 2004 Jaguar XJ | $200 | $268 | $442 | $1,068 |
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 Find the Cheapest Jaguar XJ Insurance
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The following is a recap of the data that was covered in the charts and tables above.
- It is possible to save around $120 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher liability limits will pay approximately $490 annually to go from 30/60 bodily injury limits to the 250/500 level
- Teens are expensive to insure, with premiums being up to $350 per month if full coverage is included
- Higher risk drivers that have major violations or accidents could be charged and average of $1,220 more per year for XJ insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,196 |
| 20 | $2,436 |
| 30 | $1,096 |
| 40 | $1,068 |
| 50 | $980 |
| 60 | $958 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,180 |
| $500 | $1,068 |
| $1,000 | $962 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,156 |
| 100/300 | $1,267 |
| 250/500 | $1,554 |
| 100 CSL | $1,201 |
| 300 CSL | $1,444 |
| 500 CSL | $1,621 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,920 |
| 20 | $3,876 |
| 30 | $2,320 |
| 40 | $2,292 |
| 50 | $2,190 |
| 60 | $2,170 |
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 | $55 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $41 |
| Advance Quote | $48 |
| Online Quote | $73 |
| Total Discounts | $425 |
Discounts are estimated and may not be available from every company or in every state.
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