Jaguar XJ Insurance Rates

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UPDATED: Apr 29, 2024

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U.S. average insurance rates for a Jaguar XJ are $1,680 a year for full coverage. Comprehensive insurance costs on average $362, collision costs $704, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,658 or more. 16-year-old drivers pay the highest rates at $6,202 a year or more.

Average premium for full coverage: $1,680

Price estimates by individual coverage:

Comprehensive $362
Collision $704
Liability $456

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all XJ models.

Price Range from Low to High

For an average driver, Jaguar XJ insurance prices go from the low end price of $508 for the bare minimum liability coverage to the much higher price of $3,658 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,680
High Risk $3,658

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than congested cities.

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

Rural Areas $1,260
Small Cities $1,764
Large Cities $2,268

The ranges above show why everyone should compare rates quotes based on a specific location, instead of making a decision based on 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.

Additional Rate Information

The chart below shows estimated Jaguar XJ insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $946
  • Raising to $1,000 deductibles will save around $242 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,680
  • Buying pricier low deductibles will cost an additional $472 annually
  • Drivers with multiple tickets or accidents could pay upwards of $3,658 or more
  • The price that insures a 16-year-old driver for full coverage may cost $6,202

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing full coverage Jaguar XJ insurance prices range from $946 to $6,202

Car insurance prices for a Jaguar XJ are also quite variable based on the model of your XJ, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Jaguar XJ insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $6,200 a year. View Rates by Age

The state you live in also has a big influence on Jaguar XJ insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like Idaho, Maine, and Iowa, or at least $2,400 on average in Michigan, Louisiana, and New York.

Jaguar XJ Insurance Rates by State
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%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $720 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite 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 $1,646 $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.

Jaguar XJ Insurance Rates by Model Year
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 Affordable Jaguar XJ Insurance

Getting lower rates on insurance for a Jaguar XJ consists of avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at least once a year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a brief review of the primary concepts that were covered in the above illustrations.

  • Drivers can save as much as $210 per year simply by quoting online well ahead of the renewal date
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,980 more each year to insure a Jaguar XJ
  • Increasing physical damage deductibles can save approximately $725 each year
  • Drivers under the age of 20 are expensive to insure, with premiums as much as $517 a month if full coverage is purchased

Rates by Driver Age

Jaguar XJ Insurance 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

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,152
$250 $1,932
$500 $1,680
$1,000 $1,438

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
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

Jaguar XJ Insurance 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.

SR-22 Surcharge $241

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
Rate after discounts $946

Discounts are estimated and may not be available from every company or in every state.

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