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 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:

Comprehensive $200
Collision $268
Liability $442

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.

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

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.

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

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

View Chart as Image

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

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.

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

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

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 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

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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