Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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Average insurance prices for a Jaguar XJ are $1,596 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $346 a year, collision costs $632, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $3,466 or more. 16-year-old drivers receive the highest rates at $5,916 a year or more.

Average premium for full coverage: $1,596

Rate estimates broken down by individual coverage type:

Comprehensive $346
Collision $632
Liability $460

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and XJ trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $510 for just liability insurance to a high of $3,466 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

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

These examples illustrate why it is important to compare rates quotes for a targeted area and their own driving history, 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.

More Rate Details

The chart below illustrates estimated Jaguar XJ insurance rates for other coverage scenarios.

  • The best full coverage rate is $906
  • Raising to $1,000 deductibles will save approximately $1,374 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,596
  • Buying low $100 deductibles costs an extra $432 every year
  • At-risk drivers with multiple tickets or accidents could pay up to $3,466 or more
  • The cost to insure a teen driver can cost as much as $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

Auto insurance rates for a Jaguar XJ can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $660 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,160 on average in Florida, New York, and Michigan.

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

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

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 Shop for the Right Jaguar XJ Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick rundown of the data covered in the charts and tables above.

  • Policyholders who want more liability protection will pay around $510 annually to raise from a minimum limit to a 250/500 level
  • It is possible to save approximately $200 per year simply by quoting early and online
  • Increasing deductibles could save as much as $650 each year
  • Youthful drivers are the costliest to insure, costing up to $493 per 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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