Jaguar XK Insurance Rates
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UPDATED: Jun 2, 2023
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Estimated auto insurance rates for a Jaguar XK are $1,106 annually with full coverage. Comprehensive costs an estimated $210, collision costs $296, and liability costs $442. A policy with only liability insurance costs as little as $496 a year, with a high-risk policy costing around $2,376. Teen drivers pay the most at $4,316 a year or more.
Average premium for full coverage: $1,106
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different XK trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Jaguar XK go from as cheap as $496 for your basic liability-only policy to a much higher rate of $2,376 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.
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 details estimated Jaguar XK insurance rates for other coverage scenarios.
- The lowest rate with discounts is $663
- Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,106
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,326
- Drivers with multiple violations and an at-fault accident could pay up to $2,376 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $4,316 a year
Car insurance prices for a Jaguar XK also have a wide range based on the model of your XK, your driving record, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $340 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Jaguar XK insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,500 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,002 | -$104 | -9.4% |
| Alaska | $850 | -$256 | -23.1% |
| Arizona | $920 | -$186 | -16.8% |
| Arkansas | $1,106 | -$0 | 0.0% |
| California | $1,260 | $154 | 13.9% |
| Colorado | $1,058 | -$48 | -4.3% |
| Connecticut | $1,138 | $32 | 2.9% |
| Delaware | $1,252 | $146 | 13.2% |
| Florida | $1,386 | $280 | 25.3% |
| Georgia | $1,020 | -$86 | -7.8% |
| Hawaii | $796 | -$310 | -28.0% |
| Idaho | $748 | -$358 | -32.4% |
| Illinois | $826 | -$280 | -25.3% |
| Indiana | $832 | -$274 | -24.8% |
| Iowa | $746 | -$360 | -32.5% |
| Kansas | $1,052 | -$54 | -4.9% |
| Kentucky | $1,512 | $406 | 36.7% |
| Louisiana | $1,640 | $534 | 48.3% |
| Maine | $682 | -$424 | -38.3% |
| Maryland | $914 | -$192 | -17.4% |
| Massachusetts | $886 | -$220 | -19.9% |
| Michigan | $1,924 | $818 | 74.0% |
| Minnesota | $926 | -$180 | -16.3% |
| Mississippi | $1,326 | $220 | 19.9% |
| Missouri | $982 | -$124 | -11.2% |
| Montana | $1,190 | $84 | 7.6% |
| Nebraska | $872 | -$234 | -21.2% |
| Nevada | $1,326 | $220 | 19.9% |
| New Hampshire | $796 | -$310 | -28.0% |
| New Jersey | $1,238 | $132 | 11.9% |
| New Mexico | $980 | -$126 | -11.4% |
| New York | $1,168 | $62 | 5.6% |
| North Carolina | $638 | -$468 | -42.3% |
| North Dakota | $906 | -$200 | -18.1% |
| Ohio | $766 | -$340 | -30.7% |
| Oklahoma | $1,138 | $32 | 2.9% |
| Oregon | $1,014 | -$92 | -8.3% |
| Pennsylvania | $1,058 | -$48 | -4.3% |
| Rhode Island | $1,478 | $372 | 33.6% |
| South Carolina | $1,002 | -$104 | -9.4% |
| South Dakota | $936 | -$170 | -15.4% |
| Tennessee | $970 | -$136 | -12.3% |
| Texas | $1,334 | $228 | 20.6% |
| Utah | $820 | -$286 | -25.9% |
| Vermont | $758 | -$348 | -31.5% |
| Virginia | $664 | -$442 | -40.0% |
| Washington | $856 | -$250 | -22.6% |
| West Virginia | $1,014 | -$92 | -8.3% |
| Wisconsin | $766 | -$340 | -30.7% |
| Wyoming | $988 | -$118 | -10.7% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XK Portfolio 2-Dr Coupe | $1,014 | $85 |
| Jaguar XK 2-Dr Coupe | $1,014 | $85 |
| Jaguar XK Portfolio 2-Dr Convertible | $1,102 | $92 |
| Jaguar XK 2-Dr Convertible | $1,102 | $92 |
Rates assume 1999 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 XK | $218 | $312 | $446 | $1,134 |
Rates are averaged for all Jaguar XK 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 Cheaper Jaguar XK Insurance
Finding better rates on insurance for a Jaguar XK not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and not having any coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct companies, and also from several local insurance agents.
The list below is a condensed summary of the primary concepts that were touched on in this article.
- You may be able to save approximately $130 per year simply by shopping early and online
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,270 more annually for car insurance
- Increasing policy deductibles could save up to $325 each year
- Teenagers have the highest car insurance prices, possibly costing $360 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,316 |
| 20 | $2,526 |
| 30 | $1,138 |
| 40 | $1,106 |
| 50 | $1,014 |
| 60 | $994 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,326 |
| $250 | $1,226 |
| $500 | $1,106 |
| $1,000 | $990 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,106 |
| 50/100 | $1,190 |
| 100/300 | $1,301 |
| 250/500 | $1,588 |
| 100 CSL | $1,235 |
| 300 CSL | $1,478 |
| 500 CSL | $1,655 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,102 |
| 20 | $4,020 |
| 30 | $2,408 |
| 40 | $2,376 |
| 50 | $2,270 |
| 60 | $2,248 |
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 | $57 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $43 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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