Jaguar XK Insurance Rates
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Michelle Robbins
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UPDATED: May 27, 2024
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The average insurance prices for a Jaguar XK are $1,278 every 12 months including full coverage. Comprehensive insurance costs on average $254 each year, collision insurance costs $392, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,756 or more. Teens cost the most to insure at up to $4,902 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and XK models.
Price Range Variability
Using a 40-year-old driver as an example, Jaguar XK insurance rates range from the cheapest price of $522 for liability-only coverage to a high rate of $2,756 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.
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.
Additional Charts and Tables
The chart below breaks down average Jaguar XK insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $750
- Using higher $1,000 deductibles will save around $146 every year
- The average price for a good driver age 40 with $500 deductibles is $1,278
- Selecting low deductibles for physical damage coverage costs an extra $282 annually
- High-risk insureds with serious driving violations could pay upwards of $2,756
- Policy cost to insure a 16-year-old driver may cost $4,902 or more
Car insurance rates for a Jaguar XK also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your XK.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Jaguar XK insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,820 on average in Michigan, New York, and Louisiana.
| 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% |
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 Shop for the Best Cheap Jaguar XK Insurance
Finding cheaper rates on insurance for a Jaguar XK requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,480 more each year than a low-risk driver
- You may be able to save as much as $150 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- Insureds who require more liability protection will pay approximately $520 per year to increase from a 30/60 limit to a 250/500 level
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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