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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Estimated insurance rates for a Jaguar XJ are $1,680 a year for full coverage insurance. Comprehensive costs an estimated $362, collision costs $704, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,658. Teenage drivers pay the most at $6,202 a year or more.
Average premium for full coverage: $1,680
Premium estimates broken down by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different XJ trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jaguar XJ go from the low end price of $508 for just the minimum liability insurance to a much higher rate of $3,658 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, 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 Analysis
The chart below illustrates estimated Jaguar XJ insurance rates for other coverage scenarios.
- The best discount rate is $946
- Raising to $1,000 deductibles will save approximately $242 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,680
- Using more expensive low deductibles bumps up the cost to $2,152
- Drivers who are prone to accidents and violations could pay up to $3,658 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $6,202
Insurance prices for a Jaguar XJ also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $6,200 a year. View Rates by Age
Where you choose to live also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find prices as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,270 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles can reduce prices by up to $720 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Cheap Jaguar XJ Insurance
Finding better rates on insurance for a Jaguar XJ consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The following items are a quick review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,980 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $517 per month if comprehensive and collision insurance is included
- It is possible to save approximately $210 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $725 each year
- It is possible to save approximately $210 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,152 |
| $250 | $1,932 |
| $500 | $1,680 |
| $1,000 | $1,438 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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