Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year for full coverage. Comprehensive costs on average $254 each year, collision costs $392, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance 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:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and XK models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $750
• Drivers who choose higher $1,000 deductibles will pay around $146 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,278
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,560
• Drivers who are prone to accidents and violations could pay upwards of $2,756 or more
• Policy cost that insures a 16-year-old driver may cost $4,902 a year

View Chart as Image

Auto insurance rates for a Jaguar XK also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in Jaguar XK insurance prices. A 40-year-old driver could pay 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

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

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Find Low Cost Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a review of the car insurance concepts illustrated above.

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,480 more each year to insure their XK
• Drivers can save as much as $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Insureds who require more liability coverage will pay an extra $520 each year to go from a 30/60 limit to the 250/500 level