Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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Average auto insurance rates for a Jaguar XK are $1,334 annually with full coverage. Comprehensive costs around $270 a year, collision insurance costs $432, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,880. 16-year-old drivers receive the highest rates at up to $5,080 a year.

Average premium for full coverage: $1,334

Rate estimates for individual coverage type:

Comprehensive $270
Collision $432
Liability $474

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and XK trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $522 for minimum levels of liability insurance to a high of $2,880 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,334
High Risk $2,880

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

These examples demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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.

Additional Rate Details

The chart below details average Jaguar XK insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $777
  • Raising to $1,000 deductibles will save about $1,174 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,334
  • Buying low $100 deductibles will cost $1,640
  • Drivers with multiple tickets or accidents could pay at least $2,880
  • The cost with full coverage for a 16-year-old driver can be $5,080

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing Jaguar XK insurance rates range from $777 to $5,080 for full coverage

Car insurance rates for a Jaguar XK can also vary considerably based on the trim level of your XK, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $470 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jaguar XK insurance prices. A middle-age driver might find rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.

Jaguar XK Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,206 -$128 -9.6%
Alaska $1,022 -$312 -23.4%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,274 -$60 -4.5%
Connecticut $1,372 $38 2.8%
Delaware $1,510 $176 13.2%
Florida $1,668 $334 25.0%
Georgia $1,230 -$104 -7.8%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $900 -$434 -32.5%
Kansas $1,268 -$66 -4.9%
Kentucky $1,820 $486 36.4%
Louisiana $1,972 $638 47.8%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,066 -$268 -20.1%
Michigan $2,316 $982 73.6%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,596 $262 19.6%
Missouri $1,182 -$152 -11.4%
Montana $1,432 $98 7.3%
Nebraska $1,052 -$282 -21.1%
Nevada $1,600 $266 19.9%
New Hampshire $958 -$376 -28.2%
New Jersey $1,490 $156 11.7%
New Mexico $1,182 -$152 -11.4%
New York $1,404 $70 5.2%
North Carolina $768 -$566 -42.4%
North Dakota $1,092 -$242 -18.1%
Ohio $920 -$414 -31.0%
Oklahoma $1,370 $36 2.7%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,274 -$60 -4.5%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,126 -$208 -15.6%
Tennessee $1,168 -$166 -12.4%
Texas $1,608 $274 20.5%
Utah $988 -$346 -25.9%
Vermont $912 -$422 -31.6%
Virginia $798 -$536 -40.2%
Washington $1,030 -$304 -22.8%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Jaguar XK insurance rates by U.S. city

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 $1,234 $103
Jaguar XK 2-Dr Coupe $1,234 $103
Jaguar XK Portfolio 2-Dr Convertible $1,328 $111
Jaguar XK 2-Dr Convertible $1,328 $111

Rates assume 2011 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
2015 Jaguar XK $330 $598 $464 $1,550
2014 Jaguar XK $322 $560 $474 $1,514
2013 Jaguar XK $298 $520 $474 $1,450
2012 Jaguar XK $290 $472 $478 $1,398
2011 Jaguar XK $270 $432 $474 $1,334
2010 Jaguar XK $254 $392 $474 $1,278

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 Affordable Jaguar XK Insurance

Saving money on insurance for a Jaguar XK consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief review of the information covered in the above illustrations.

  • You may be able to save up to $160 per year just by quoting early and online
  • Teenage drivers are the costliest to insure, with premiums as much as $423 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save up to $475 each year
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,550 more every year for auto insurance
  • Insureds who may need higher levels of liability will pay around $520 every year to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Jaguar XK Insurance Rates by Driver Age
Driver Age Premium
16 $5,080
20 $3,056
30 $1,380
40 $1,334
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,640
$250 $1,498
$500 $1,334
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,423
100/300 $1,541
250/500 $1,849
100 CSL $1,470
300 CSL $1,731
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XK Insurance Rates for High Risk Drivers
Age Premium
16 $7,224
20 $4,874
30 $2,932
40 $2,880
50 $2,750
60 $2,722

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 $184

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $557
Rate after discounts $777

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

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