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: Apr 29, 2024

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Average insurance prices for a Jaguar XJ are $1,734 every 12 months for full coverage insurance. Comprehensive costs on average $376, collision insurance costs $748, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $3,780. Teenage drivers receive the highest rates at up to $6,372 a year.

Average premium for full coverage: $1,734

Rate estimates by individual coverage type:

Comprehensive $376
Collision $748
Liability $452

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all XJ models.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $504 for just liability insurance to the much higher price of $3,780 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,734
High Risk $3,780

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

Rural Areas $1,301
Small Cities $1,821
Large Cities $2,341

These examples illustrate why everyone should compare rates based on a specific location and their own driving history, rather than using 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.

More Rate Details

The chart below illustrates average Jaguar XJ insurance rates for different risk profiles and scenarios.

  • The best discount rate is $970
  • Drivers who choose higher $1,000 deductibles will pay around $254 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,734
  • Using pricier low deductibles for comprehensive and collision insurance increases the price to $2,232
  • High-risk insureds who are prone to accidents and violations could pay upwards of $3,780
  • The cost to insure a teenage driver for full coverage may cost $6,372 a year

View Chart as Image

Jaguar XJ insurance cost comparison chart
Column chart showing Jaguar XJ insurance rates range from $970 to $6,372 for full coverage

Auto insurance rates for a Jaguar XJ can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your XJ.

Using high physical damage deductibles could save up to $760 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $6,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $2,100 to $2,800 in extra premium per year, depending on your age. Jaguar XJ insurance for high-risk drivers can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Jaguar XJ insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,340 on average in Michigan, New York, and Florida.

Jaguar XJ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,568 -$166 -9.6%
Alaska $1,330 -$404 -23.3%
Arizona $1,438 -$296 -17.1%
Arkansas $1,734 -$0 0.0%
California $1,976 $242 14.0%
Colorado $1,656 -$78 -4.5%
Connecticut $1,784 $50 2.9%
Delaware $1,962 $228 13.1%
Florida $2,168 $434 25.0%
Georgia $1,600 -$134 -7.7%
Hawaii $1,246 -$488 -28.1%
Idaho $1,174 -$560 -32.3%
Illinois $1,292 -$442 -25.5%
Indiana $1,306 -$428 -24.7%
Iowa $1,170 -$564 -32.5%
Kansas $1,648 -$86 -5.0%
Kentucky $2,366 $632 36.4%
Louisiana $2,568 $834 48.1%
Maine $1,070 -$664 -38.3%
Maryland $1,430 -$304 -17.5%
Massachusetts $1,388 -$346 -20.0%
Michigan $3,014 $1,280 73.8%
Minnesota $1,452 -$282 -16.3%
Mississippi $2,078 $344 19.8%
Missouri $1,538 -$196 -11.3%
Montana $1,862 $128 7.4%
Nebraska $1,368 -$366 -21.1%
Nevada $2,080 $346 20.0%
New Hampshire $1,252 -$482 -27.8%
New Jersey $1,938 $204 11.8%
New Mexico $1,536 -$198 -11.4%
New York $1,826 $92 5.3%
North Carolina $998 -$736 -42.4%
North Dakota $1,420 -$314 -18.1%
Ohio $1,198 -$536 -30.9%
Oklahoma $1,780 $46 2.7%
Oregon $1,590 -$144 -8.3%
Pennsylvania $1,656 -$78 -4.5%
Rhode Island $2,314 $580 33.4%
South Carolina $1,572 -$162 -9.3%
South Dakota $1,464 -$270 -15.6%
Tennessee $1,518 -$216 -12.5%
Texas $2,090 $356 20.5%
Utah $1,284 -$450 -26.0%
Vermont $1,188 -$546 -31.5%
Virginia $1,038 -$696 -40.1%
Washington $1,340 -$394 -22.7%
West Virginia $1,590 -$144 -8.3%
Wisconsin $1,200 -$534 -30.8%
Wyoming $1,546 -$188 -10.8%

View Chart as Image

Jaguar XJ insurance rates by U.S. city

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 $1,700 $142
Jaguar XJ LWB 4-Dr Sedan $1,734 $145

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 $392 $806 $442 $1,798
2018 Jaguar XJ $376 $748 $452 $1,734
2017 Jaguar XJ $362 $704 $456 $1,680
2016 Jaguar XJ $346 $632 $460 $1,596
2015 Jaguar XJ $324 $580 $460 $1,522
2014 Jaguar XJ $312 $544 $464 $1,478
2013 Jaguar XJ $306 $508 $474 $1,446
2012 Jaguar XJ $282 $472 $474 $1,386
2011 Jaguar XJ $274 $428 $478 $1,338
2004 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 Shop for More Affordable Jaguar XJ Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the coverage data touched on above.

  • It is possible to save as much as $220 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $750 each year
  • Teen drivers are charged the highest rates, costing up to $531 per month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations pay on average $2,050 more each year to insure their XJ

Rates by Driver Age

Jaguar XJ Insurance Rates by Driver Age
Driver Age Premium
16 $6,372
20 $4,030
30 $1,820
40 $1,734
50 $1,582
60 $1,554

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XJ Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,232
$250 $2,002
$500 $1,734
$1,000 $1,480

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XJ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,734
50/100 $1,824
100/300 $1,937
250/500 $2,231
100 CSL $1,870
300 CSL $2,118
500 CSL $2,299

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XJ Insurance Rates for High Risk Drivers
Age Premium
16 $9,142
20 $6,424
30 $3,874
40 $3,780
50 $3,608
60 $3,578

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 $250

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $95
Multi-vehicle $92
Homeowner $25
5-yr Accident Free $136
5-yr Claim Free $115
Paid in Full/EFT $85
Advance Quote $90
Online Quote $126
Total Discounts $764
Rate after discounts $970

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

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