Jaguar XJ Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Jaguar XJ are $1,680 a year including full coverage. Comprehensive costs an estimated $362, collision costs $704, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $3,658. Teen drivers cost the most to insure at $6,202 a year or more.

Average premium for full coverage: $1,680

Policy rates broken down by type of insurance:

Comprehensive $362
Collision $704
Liability $456

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different XJ trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Jaguar XJ insurance rates go from as low as $508 for the bare minimum liability coverage to a much higher rate of $3,658 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,680
High Risk $3,658

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,260
Small Cities $1,764
Large Cities $2,268

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using 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.

Additional Rate Information

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

  • The lowest rate with discounts is $946
  • Drivers who choose higher $1,000 deductibles will pay approximately $242 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,680
  • Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,152
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,658 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost as much as $6,202 a year

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing full coverage Jaguar XJ insurance rates range from $946 to $6,202

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

An older driver with a clean driving record and high deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $6,200 a year. View Rates by Age

Your home state makes a big difference in Jaguar XJ insurance prices. A 40-year-old driver could pay as low as $1,290 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,400 on average in Louisiana, New York, and Michigan.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,518 -$162 -9.6%
Alaska $1,290 -$390 -23.2%
Arizona $1,394 -$286 -17.0%
Arkansas $1,680 -$0 0.0%
California $1,914 $234 13.9%
Colorado $1,606 -$74 -4.4%
Connecticut $1,728 $48 2.9%
Delaware $1,902 $222 13.2%
Florida $2,102 $422 25.1%
Georgia $1,550 -$130 -7.7%
Hawaii $1,208 -$472 -28.1%
Idaho $1,136 -$544 -32.4%
Illinois $1,252 -$428 -25.5%
Indiana $1,266 -$414 -24.6%
Iowa $1,134 -$546 -32.5%
Kansas $1,596 -$84 -5.0%
Kentucky $2,292 $612 36.4%
Louisiana $2,486 $806 48.0%
Maine $1,038 -$642 -38.2%
Maryland $1,386 -$294 -17.5%
Massachusetts $1,342 -$338 -20.1%
Michigan $2,920 $1,240 73.8%
Minnesota $1,406 -$274 -16.3%
Mississippi $2,014 $334 19.9%
Missouri $1,490 -$190 -11.3%
Montana $1,804 $124 7.4%
Nebraska $1,322 -$358 -21.3%
Nevada $2,014 $334 19.9%
New Hampshire $1,210 -$470 -28.0%
New Jersey $1,876 $196 11.7%
New Mexico $1,488 -$192 -11.4%
New York $1,770 $90 5.4%
North Carolina $968 -$712 -42.4%
North Dakota $1,374 -$306 -18.2%
Ohio $1,160 -$520 -31.0%
Oklahoma $1,726 $46 2.7%
Oregon $1,540 -$140 -8.3%
Pennsylvania $1,602 -$78 -4.6%
Rhode Island $2,242 $562 33.5%
South Carolina $1,522 -$158 -9.4%
South Dakota $1,418 -$262 -15.6%
Tennessee $1,470 -$210 -12.5%
Texas $2,024 $344 20.5%
Utah $1,246 -$434 -25.8%
Vermont $1,152 -$528 -31.4%
Virginia $1,006 -$674 -40.1%
Washington $1,300 -$380 -22.6%
West Virginia $1,540 -$140 -8.3%
Wisconsin $1,164 -$516 -30.7%
Wyoming $1,498 -$182 -10.8%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Choosing high deductibles could save up to $720 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,000 to $2,700 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

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 $1,646 $137
Jaguar XJ LWB 4-Dr Sedan $1,680 $140

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 $376 $748 $452 $1,734
2018 Jaguar XJ $362 $704 $456 $1,680
2017 Jaguar XJ $346 $632 $460 $1,596
2016 Jaguar XJ $324 $580 $460 $1,522
2015 Jaguar XJ $312 $544 $464 $1,478
2013 Jaguar XJ $282 $472 $474 $1,386
2012 Jaguar XJ $274 $428 $478 $1,338
2011 Jaguar XJ $256 $392 $474 $1,280

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 Cheap Jaguar XJ Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the concepts that were raised in the charts and tables above.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,980 more annually for auto insurance
  • Teenage drivers are charged the highest rates, with premiums being up to $517 each month for full coverage
  • You may be able to save approximately $210 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $725 each year
  • You may be able to save approximately $210 per year simply by shopping early and online

Rates by Driver Age

Jaguar XJ Insurance Rates by Driver Age
Driver Age Premium
16 $6,202
20 $3,898
30 $1,760
40 $1,680
50 $1,532
60 $1,504

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,152
$250 $1,932
$500 $1,680
$1,000 $1,438

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,680
50/100 $1,771
100/300 $1,885
250/500 $2,182
100 CSL $1,817
300 CSL $2,068
500 CSL $2,250

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XJ Insurance Rates for High Risk Drivers
Age Premium
16 $8,888
20 $6,216
30 $3,746
40 $3,658
50 $3,492
60 $3,462

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 $241

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $89
Homeowner $24
5-yr Accident Free $130
5-yr Claim Free $111
Paid in Full/EFT $81
Advance Quote $86
Online Quote $122
Total Discounts $734
Rate after discounts $946

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles