Jaguar XJ Insurance Rates
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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
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Average insurance rates for a Jaguar XJ are $1,596 a year with full coverage. Comprehensive insurance costs around $346 a year, collision insurance costs $632, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $3,466 or more. Teenage drivers receive the highest rates at up to $5,916 a year.
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 motorist and medical coverage. Rates are averaged for all U.S. states and XJ trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $510 for the bare minimum liability coverage to a high of $3,466 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.
These examples demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Additional Rate Information
The chart below details average Jaguar XJ insurance rates for additional coverage choices and driver risks.
- The best discount rate is $906
- Raising to $1,000 deductibles will save about $1,374 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,596
- Using low $100 deductibles will cost an extra $432 annually
- Drivers who are prone to accidents and violations could pay at least $3,466
- The cost for full coverage for a 16-year-old driver can be $5,916
Insurance rates for a Jaguar XJ can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
Where you live also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce rates by up to $660 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Jaguar XJ Insurance
Saving money on insurance for a Jaguar XJ consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The list below is a brief recap of the information illustrated above.
- You may be able to save up to $200 per year just by quoting early and online
- Teenagers are charged the highest rates, with premiums as much as $493 per month including comprehensive and collision insurance
- Increasing deductibles can save around $650 each year
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,870 more every year for car insurance
- Insureds who may need higher liability limits will pay an extra $510 every year to raise from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,028 |
| $250 | $1,828 |
| $500 | $1,596 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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