Jaguar XK Insurance Rates

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

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all XK models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

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

The examples above highlight why everyone should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Jaguar XK insurance rates for other coverage scenarios.

• The best discount rate is $750
• Raising to $1,000 deductibles will save approximately $146 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,278
• Using pricier low deductibles will cost an additional $282 annually
• Drivers who are prone to accidents and violations could pay up to $2,756 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost as much as $4,902

View Chart as Image

Auto insurance rates for a Jaguar XK also range considerably based on the model of your XK, your driving record and age, and liability limits and deductibles.

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

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $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 will have to pay at least $4,900 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 annually, whereas buying more liability protection will increase premiums. Changing 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 best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance 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 the Best Cheap Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK consists of avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a quick review of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, with premiums being up to $409 each month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,480 more annually to insure a Jaguar XK
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date