Jaguar XJ Insurance Rates

The average insurance rates for a Jaguar XJ are $1,596 a year including full coverage. Comprehensive insurance costs an estimated $346 each year, collision insurance costs $632, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $3,466 or more. Teenage drivers cost the most to insure at up to $5,916 a year.

Average premium for full coverage: $1,596

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and XJ models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

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

• The best discount rate is $906
• Raising to $1,000 deductibles will save approximately $222 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,596
• Using low deductibles will cost an additional $432 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,466
• Policy cost that insures a teen driver can cost as much as $5,916

View Chart as Image

Insurance rates for a Jaguar XJ also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,900 a year. View Rates by Age

Your home state also has a big influence on Jaguar XJ insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $660 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Jaguar XJ Insurance

Finding cheaper rates on Jaguar XJ insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every couple of years by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a summary of the material that was touched on in this article.

• Drivers who want additional liability coverage will pay an extra $510 per year to raise from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $493 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,870 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $650 each year