Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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U.S. average auto insurance rates for a Jaguar XJ are $1,596 annually including full coverage. Comprehensive insurance costs around $346, collision costs $632, and liability coverage is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $3,466 or more. Teens pay the highest rates at $5,916 a year or more.

Average premium for full coverage: $1,596

Price estimates for individual coverage:

Comprehensive $346
Collision $632
Liability $460

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all XJ models.

Price Range from Low to High

For an average driver, Jaguar XJ insurance prices go from as cheap as $510 for a discount liability-only rate to the much higher price of $3,466 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

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

The ranges above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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.

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Rates by State, City, and Model

The chart below breaks down estimated Jaguar XJ insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $906
  • Raising to $1,000 deductibles will save about $222 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,596
  • Selecting pricier low deductibles costs an additional $432 each year
  • Unlucky drivers with serious driving violations could pay at least $3,466 or more
  • The price with full coverage for a teenage driver for full coverage can be $5,916

View Chart as Image

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

Car insurance prices for a Jaguar XJ are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. Jaguar XJ insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $660 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,280 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy the Best Jaguar XJ Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the primary concepts that were covered in the above illustrations.

  • You may be able to save up to $200 per year simply by quoting online well ahead of the renewal date
  • Drivers who tend to receive serious violations may pay on average $1,870 more every year than a low-risk driver
  • Increasing physical damage deductibles could save up to $650 each year
  • Youthful drivers are the costliest to insure, possibly costing $493 a month if comprehensive and collision insurance is included

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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