Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year including full coverage. Comprehensive insurance costs on average $254 each year, collision costs $392, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, with high-risk 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 by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum 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

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of 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 rates based on a specific location and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Jaguar XK insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $750
• Drivers who choose higher $1,000 deductibles will pay around $146 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,278
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $282 each year
• High-risk insureds with serious driving violations could pay upwards of $2,756 or more
• Policy cost for full coverage for a teenage driver may cost $4,902 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in Jaguar XK insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $430 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, 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 cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company calculates rates differently, so rate quotes 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 More Affordable Jaguar XK Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the material that was raised in the charts and tables above.

• Consumers who require more liability coverage will pay approximately $520 per year to go from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $409 each month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $1,480 more each year to insure their XK
• Increasing comprehensive and collision deductibles can save around $425 each year