Jaguar XJ Insurance Rates
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UPDATED: May 29, 2023
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The average insurance rates for a Jaguar XJ are $1,068 a year with full coverage. Comprehensive insurance costs approximately $200 a year, collision insurance costs $268, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,292 or more. Teens cost the most to insure at up to $4,196 a year.
Average premium for full coverage: $1,068
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and XJ trim levels.
Price Range Variability
Using a middle-aged driver as an example, Jaguar XJ insurance rates range from as low as $496 for minimum levels of liability insurance to a high of $2,292 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location and risk profile, instead of using averaged prices.
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 Details
The chart below details average Jaguar XJ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $643
- Choosing higher $1,000 deductibles can save $962 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,068
- Selecting low $100 deductibles for comp and collision coverage will cost an extra $204 every year
- Unlucky drivers with serious driving violations could pay around $2,292
- Policy cost for full coverage for a teen driver can cost $4,196 each year
Insurance rates for a Jaguar XJ also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Jaguar XJ insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,440 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $310 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates
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 Find the Cheapest Jaguar XJ Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a recap of the primary concepts that were touched on in the above illustrations.
- You may be able to save around $120 per year just by quoting early and online
- Higher risk drivers that have major violations or accidents pay on average $1,220 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $300 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $350 each month including comprehensive and collision 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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