Jaguar XK Insurance Rates

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

Average premium for full coverage: $1,278

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

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

The examples above highlight why it is important to compare rates quotes for a specific zip code, rather than using average rates.

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

Rate Comparisons

The chart below breaks down estimated Jaguar XK insurance rates for additional coverage choices and driver risks.

• The best discount rate is $750
• Raising to $1,000 deductibles will save about $1,132 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,278
• Using low $100 deductibles will cost an additional $282 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,756 or more
• Policy cost that insures a teenage driver can be $4,902

View Chart as Image

Insurance rates for a Jaguar XK also range considerably based on the trim level of your XK, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Jaguar XK insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the 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 the Right Jaguar XK Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the material that was covered above.

• Consumers who may need higher liability limits will pay an extra $520 per year to raise from a 30/60 limit to the 250/500 level
• Teenagers pay higher rates, with premiums being up to $409 each month if full coverage is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,480 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $425 each year