Jaguar XK Insurance Rates

The average auto insurance rates for a Jaguar XK are $1,278 annually with full coverage. Comprehensive costs an estimated $254 a year, collision costs $392, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk 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 broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, 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 details estimated Jaguar XK insurance rates for other coverage scenarios.

• The best discount rate is $750
• Choosing higher $1,000 deductibles can save approximately $1,132 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,278
• Using low $100 deductibles for comp and collision coverage will cost $1,560
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,756 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,902 each year

View Chart as Image

Car insurance rates for a Jaguar XK also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 may be forking out $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jaguar XK insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes 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 More Affordable Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK takes being a low-risk driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,480 more annually to insure their XK
• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Insureds who want more liability coverage will pay an extra $520 every year to raise limits from a 30/60 limit to higher 250/500 limits