Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year for full coverage. Comprehensive insurance costs around $254, collision costs $392, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,756 or more. Teens 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:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $750
• Drivers who choose higher $1,000 deductibles will pay about $146 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,278
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $282 annually
• Drivers with serious driving violations could pay at least $2,756 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $4,902 a year

View Chart as Image

Auto insurance rates for a Jaguar XK also range considerably based on your risk profile, the trim level of your XK, and deductibles and policy limits.

An older driver with a good driving record and high 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, where even good drivers will have to pay as much as $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 have to pay at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $430 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Cheaper Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a condensed summary of the primary concepts that were covered above.

• Drivers can save up to $150 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,480 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $425 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $409 each month if they have full coverage