Jaguar XK Insurance Rates

The average auto insurance rates for a Jaguar XK are $1,278 annually for full coverage. Comprehensive costs on average $254 each year, collision costs $392, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,756. Teenage drivers cost the most to insure at $4,902 a year or more.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and XK models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Jaguar XK insurance rates for different risk profiles and scenarios.

• The best discount rate is $750
• Using higher $1,000 deductibles will save around $146 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,278
• Using low deductibles for physical damage coverage will cost $1,560
• Drivers who are prone to accidents and violations could pay upwards of $2,756 or more
• Policy cost with full coverage for a teen driver may cost $4,902 or more

View Chart as Image

Insurance rates for a Jaguar XK also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jaguar XK insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Jaguar XK Insurance

Finding cheaper rates on Jaguar XK insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a brief review of the concepts that were touched on in this article.

• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,480 more each year for XK insurance
• Teens pay the highest rates, costing up to $409 each month including comprehensive and collision insurance
• Drivers can save as much as $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Drivers can save as much as $150 per year simply by quoting online in advance