Jaguar XJ Insurance Rates
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Michelle Robbins
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UPDATED: Apr 29, 2024
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The average auto insurance rates for a Jaguar XJ are $1,596 annually with full coverage. Comprehensive costs an estimated $346, collision costs $632, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,466. 16-year-old drivers cost the most to insure at $5,916 a year or more.
Average premium for full coverage: $1,596
Policy rates broken down by type of insurance:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all XJ models.
Price Range Variability
For the average 40-year-old driver, Jaguar XJ insurance rates go from as cheap as $510 for just the minimum liability insurance to the much higher price of $3,466 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
The examples above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, instead of using rate 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 Analysis
The chart below details estimated Jaguar XJ insurance rates for other coverage scenarios.
- The best full coverage rate is $906
- Choosing higher $1,000 deductibles can save approximately $222 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,596
- Buying pricier low deductibles for comp and collision coverage will cost $2,028
- Unlucky drivers with multiple tickets or accidents could pay up to $3,466 or more
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,916 each year
Insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,900 to $2,600 additional every year, depending on your age. Jaguar XJ insurance for high-risk drivers ranges as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $660 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Jaguar XJ insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or at least $2,160 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.
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 Buy Affordable Jaguar XJ Insurance
Finding cheaper rates on car insurance takes having a good driving record, having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief review of the data that was touched on in this article.
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Policyholders who want increased levels of liability coverage will pay around $510 every year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, as much as $493 each month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,870 more annually to buy Jaguar XJ insurance
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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