Jaguar XK 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: Jun 2, 2023

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Estimated auto insurance rates for a Jaguar XK are $1,106 annually for full coverage. Comprehensive costs around $210 a year, collision costs $296, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance 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 for type of coverage:

Comprehensive $210
Collision $296
Liability $442

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and XK trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Jaguar XK go from as cheap as $496 for your basic liability-only policy to a high of $2,376 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,106
High Risk $2,376

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

These rate differences show why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying 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 shows estimated Jaguar XK insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $663
  • Drivers who choose higher $1,000 deductibles will pay about $990 a year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,106
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,326
  • High risk drivers with multiple violations and an at-fault accident could pay at least $2,376 or more
  • An auto insurance policy with full coverage for a teen driver can be $4,316 a year

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing full coverage Jaguar XK insurance rates range from $663 to $4,316

Insurance prices for a Jaguar XK also have a wide range based on the model of your XK, your driver profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little 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 should be prepared to pay as much as $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $340 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Jaguar XK insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Idaho, Maine, and Iowa, or as much as $1,580 on average in Michigan, Louisiana, and New York.

Jaguar XK Insurance Rates by State
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%

View Chart as Image

Jaguar XK insurance rates by U.S. city

With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Jaguar XK Insurance Rates by Model and Trim Level
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.

Jaguar XK Insurance Rates by Model Year
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 the Right Jaguar XK Insurance

Finding better rates on Jaguar XK insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a quick rundown of the primary concepts that were covered above.

  • Drivers can save up to $130 per year simply by quoting early and online
  • High-risk drivers with reckless driving or DUI convictions pay an average of $1,270 more every year to insure their XK
  • Increasing policy deductibles could save up to $325 each year
  • Teen drivers are charged the highest prices, as much as $360 per month if they have full coverage

Rates by Driver Age

Jaguar XK Insurance 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

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,326
$250 $1,226
$500 $1,106
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
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

Jaguar XK Insurance 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.

SR-22 Surcharge $148

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
Rate after discounts $663

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

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