Jaguar XJ Insurance Rates
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UPDATED: May 29, 2023
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The average auto insurance rates for a Jaguar XJ are $1,068 annually with full coverage. Comprehensive insurance costs on average $200, collision costs $268, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,292 or more. Teenage drivers cost the most to insure at $4,196 a year or more.
Average premium for full coverage: $1,068
Policy rates by type of insurance:
These estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all XJ models.
Price Range Variability
Using a 40-year-old driver as an example, Jaguar XJ insurance rates go from as cheap as $496 for a discount liability-only rate to the much higher price of $2,292 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.
The example below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying 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.
Rates by State, City, and Model
The chart below details estimated Jaguar XJ insurance rates for different risk profiles and scenarios.
- The best discount rate is $643
- Drivers who choose higher $1,000 deductibles will pay around $106 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,068
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $204 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $2,292 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $4,196 a year
Auto insurance rates for a Jaguar XJ also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,100 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 at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. Jaguar XJ insurance for high-risk drivers can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $310 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay as low as $770 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,440 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $966 | -$102 | -9.6% |
| Alaska | $822 | -$246 | -23.0% |
| Arizona | $888 | -$180 | -16.9% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,218 | $150 | 14.0% |
| Colorado | $1,020 | -$48 | -4.5% |
| Connecticut | $1,100 | $32 | 3.0% |
| Delaware | $1,210 | $142 | 13.3% |
| Florida | $1,338 | $270 | 25.3% |
| Georgia | $986 | -$82 | -7.7% |
| Hawaii | $768 | -$300 | -28.1% |
| Idaho | $724 | -$344 | -32.2% |
| Illinois | $796 | -$272 | -25.5% |
| Indiana | $804 | -$264 | -24.7% |
| Iowa | $720 | -$348 | -32.6% |
| Kansas | $1,018 | -$50 | -4.7% |
| Kentucky | $1,458 | $390 | 36.5% |
| Louisiana | $1,584 | $516 | 48.3% |
| Maine | $660 | -$408 | -38.2% |
| Maryland | $882 | -$186 | -17.4% |
| Massachusetts | $856 | -$212 | -19.9% |
| Michigan | $1,856 | $788 | 73.8% |
| Minnesota | $894 | -$174 | -16.3% |
| Mississippi | $1,282 | $214 | 20.0% |
| Missouri | $948 | -$120 | -11.2% |
| Montana | $1,148 | $80 | 7.5% |
| Nebraska | $844 | -$224 | -21.0% |
| Nevada | $1,282 | $214 | 20.0% |
| New Hampshire | $770 | -$298 | -27.9% |
| New Jersey | $1,196 | $128 | 12.0% |
| New Mexico | $946 | -$122 | -11.4% |
| New York | $1,126 | $58 | 5.4% |
| North Carolina | $614 | -$454 | -42.5% |
| North Dakota | $876 | -$192 | -18.0% |
| Ohio | $740 | -$328 | -30.7% |
| Oklahoma | $1,098 | $30 | 2.8% |
| Oregon | $978 | -$90 | -8.4% |
| Pennsylvania | $1,020 | -$48 | -4.5% |
| Rhode Island | $1,426 | $358 | 33.5% |
| South Carolina | $968 | -$100 | -9.4% |
| South Dakota | $902 | -$166 | -15.5% |
| Tennessee | $938 | -$130 | -12.2% |
| Texas | $1,288 | $220 | 20.6% |
| Utah | $792 | -$276 | -25.8% |
| Vermont | $732 | -$336 | -31.5% |
| Virginia | $642 | -$426 | -39.9% |
| Washington | $828 | -$240 | -22.5% |
| West Virginia | $980 | -$88 | -8.2% |
| Wisconsin | $740 | -$328 | -30.7% |
| Wyoming | $954 | -$114 | -10.7% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted 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 | $1,054 | $88 |
| Jaguar XJ LWB 4-Dr Sedan | $1,068 | $89 |
Rates assume 1992 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 |
|---|---|---|---|---|
| 2004 Jaguar XJ | $208 | $284 | $446 | $1,096 |
| 2003 Jaguar XJ | $200 | $268 | $442 | $1,068 |
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 Cheap Jaguar XJ Insurance
Finding cheaper rates on Jaguar XJ insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a brief summary of the coverage data raised in the charts and tables above.
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Teens are charged the highest rates, as much as $350 each month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,220 more each year for XJ insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,196 |
| 20 | $2,436 |
| 30 | $1,096 |
| 40 | $1,068 |
| 50 | $980 |
| 60 | $958 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,180 |
| $500 | $1,068 |
| $1,000 | $962 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,156 |
| 100/300 | $1,267 |
| 250/500 | $1,554 |
| 100 CSL | $1,201 |
| 300 CSL | $1,444 |
| 500 CSL | $1,621 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,920 |
| 20 | $3,876 |
| 30 | $2,320 |
| 40 | $2,292 |
| 50 | $2,190 |
| 60 | $2,170 |
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 | $55 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $41 |
| Advance Quote | $48 |
| Online Quote | $73 |
| Total Discounts | $425 |
Discounts are estimated and may not be available from every company or in every state.
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