Jaguar XJ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $200
Collision $268
Liability $442

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.

Liability Only $496
Full Coverage $1,068
High Risk $2,292

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.

Rural Areas $801
Small Cities $1,121
Large Cities $1,442

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

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance prices range from $643 to $4,196 for full coverage

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.

Jaguar XJ Insurance Rates by State
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%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

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

Jaguar XJ Insurance Rates by Model and Trim Level
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.

Jaguar XJ Insurance Rates by Model Year
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

Rates by Driver Age

Jaguar XJ Insurance 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

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,272
$250 $1,180
$500 $1,068
$1,000 $962

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
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

Jaguar XJ Insurance 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.

SR-22 Surcharge $142

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
Rate after discounts $643

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

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