Jaguar XJ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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Average auto insurance rates for a Jaguar XJ are $1,680 annually for full coverage insurance. Comprehensive costs approximately $362, collision insurance costs $704, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs around $3,658. Teens receive the highest rates at up to $6,202 a year.
Average premium for full coverage: $1,680
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all XJ models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $508 for your basic liability-only policy to the much higher price of $3,658 for a high-risk driver policy.
Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why everyone should compare rates using their specific location and their own personal driving habits, 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.
More Rate Information
The chart below illustrates average Jaguar XJ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $946
- Drivers who choose higher $1,000 deductibles will pay $242 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,680
- Selecting pricier low deductibles for comprehensive and collision insurance will cost $2,152
- Higher-risk drivers with serious driving violations could pay around $3,658
- The cost with full coverage for a teen driver for full coverage can cost $6,202 a year
Insurance rates for a Jaguar XJ can also vary considerably based on the trim level of your XJ, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,700 additional per year, depending on your age. Jaguar XJ insurance for high-risk drivers can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $720 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Jaguar XJ insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,270 on average in Florida, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy More Affordable Jaguar XJ Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a summary of the information covered in the above illustrations.
- It is possible to save around $210 per year just by quoting online well ahead of the renewal date
- Teenage drivers are the costliest to insure, costing up to $517 per month if they have full coverage
- Increasing deductibles could save up to $725 each year
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,980 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay approximately $500 annually to go from a minimum limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,152 |
| $250 | $1,932 |
| $500 | $1,680 |
| $1,000 | $1,438 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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