Jaguar XK Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 27, 2024
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Estimated insurance rates for a Jaguar XK are $1,278 a year with full coverage. Comprehensive costs on average $254 a year, collision costs $392, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,756. 16-year-old drivers pay the most at $4,902 a year or more.
Average premium for full coverage: $1,278
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and XK trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jaguar XK go from the low end price of $522 for just liability insurance to a high of $2,756 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details estimated Jaguar XK insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $750
- Drivers who choose higher $1,000 deductibles will pay around $1,132 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,278
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,560
- Drivers with multiple tickets or accidents could pay upwards of $2,756 or more
- An auto insurance policy that insures a 16-year-old driver may cost $4,902 a year
Insurance prices for a Jaguar XK also have a wide range based on the trim level of your XK, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with a clean 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. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Jaguar XK insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$122 | -9.5% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,456 | $178 | 13.9% |
| Colorado | $1,222 | -$56 | -4.4% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,446 | $168 | 13.1% |
| Florida | $1,600 | $322 | 25.2% |
| Georgia | $1,180 | -$98 | -7.7% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,216 | -$62 | -4.9% |
| Kentucky | $1,744 | $466 | 36.5% |
| Louisiana | $1,892 | $614 | 48.0% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,530 | $252 | 19.7% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,534 | $256 | 20.0% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,428 | $150 | 11.7% |
| New Mexico | $1,132 | -$146 | -11.4% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,314 | $36 | 2.8% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $946 | -$332 | -26.0% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $988 | -$290 | -22.7% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
Opting for high physical damage deductibles could save up to $430 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XK Portfolio 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK Portfolio 2-Dr Convertible | $1,274 | $106 |
| Jaguar XK 2-Dr Convertible | $1,274 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Jaguar XK | $322 | $560 | $474 | $1,514 |
| 2014 Jaguar XK | $298 | $520 | $474 | $1,450 |
| 2013 Jaguar XK | $290 | $472 | $478 | $1,398 |
| 2012 Jaguar XK | $270 | $432 | $474 | $1,334 |
| 2011 Jaguar XK | $254 | $392 | $474 | $1,278 |
| 2010 Jaguar XK | $246 | $352 | $468 | $1,224 |
Rates are averaged for all Jaguar XK models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Jaguar XK Insurance
Finding better rates on insurance for a Jaguar XK not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and bundling your home and auto policies. Comparison shop at every other renewal by getting price quotes from direct companies, and also from several local insurance agents.
The following is a summary of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,480 more each year for XK insurance
- Teens pay the highest prices, possibly costing $409 per month if full coverage is included
- You may be able to save as much as $150 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $425 each year
- You may be able to save as much as $150 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,902 |
| 20 | $2,924 |
| 30 | $1,320 |
| 40 | $1,278 |
| 50 | $1,168 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,487 |
| 250/500 | $1,795 |
| 100 CSL | $1,416 |
| 300 CSL | $1,677 |
| 500 CSL | $1,867 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,960 |
| 20 | $4,662 |
| 30 | $2,802 |
| 40 | $2,756 |
| 50 | $2,632 |
| 60 | $2,606 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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