Jaguar XK Insurance Rates
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Michelle Robbins
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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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The average auto insurance rates for a Jaguar XK are $1,278 annually with full coverage. Comprehensive costs around $254 a year, collision costs $392, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,756. 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:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and XK trim levels.
Price Range Variability
For a driver around age 40, Jaguar XK insurance rates go from as cheap as $522 for just liability insurance to a high of $2,756 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, 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.
More Rate Details
The chart below details estimated Jaguar XK insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $750
- Using higher $1,000 deductibles will save about $1,132 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,278
- Selecting low $100 deductibles for physical damage coverage will cost $1,560
- High-risk insureds with serious driving violations could pay at least $2,756 or more
- Policy cost with full coverage for a 16-year-old driver can be $4,902 or more
Insurance rates for a Jaguar XK also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Jaguar XK insurance prices. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay 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% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company calculates rates differently, so the rates will be varied between companies.
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 Buy More Affordable Jaguar XK Insurance
Finding cheaper rates on insurance for a Jaguar XK requires being a safe and courteous driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a summary of the data that was covered above.
- You may be able to save up to $150 per year simply by quoting early and online
- Insureds who may need higher levels of liability will pay approximately $520 every year to increase from a 30/60 limit to higher 250/500 limits
- Teenage drivers pay higher rates, as much as $409 each month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,480 more every year for auto insurance
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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