Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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U.S. average insurance rates for a Jaguar XK are $1,334 a year with full coverage. Comprehensive insurance costs an estimated $270 each year, collision insurance costs $432, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,880 or more. 16-year-old drivers pay the highest rates at up to $5,080 a year.

Average premium for full coverage: $1,334

Price estimates broken down by individual coverage:

Comprehensive $270
Collision $432
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and XK models.

Price Range from Low to High

For the normal driver, Jaguar XK insurance prices range from as low as $522 for just liability insurance to a high rate of $2,880 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,334
High Risk $2,880

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The ranges above demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, 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 average Jaguar XK insurance rates for other coverage scenarios.

  • The best full coverage rate is $777
  • Raising to $1,000 deductibles will save approximately $160 annually
  • The average rate for the average middle-age driver who has $500 deductibles is $1,334
  • Buying low deductibles will cost an extra $306 annually
  • Drivers with multiple tickets or accidents could pay up to $2,880
  • The price for full coverage for a 16-year-old driver can cost as much as $5,080

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing Jaguar XK insurance prices range from $777 to $5,080 for full coverage

Auto insurance prices for a Jaguar XK are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

The state you live in also has a big influence on Jaguar XK insurance prices. A middle-age driver might find prices as low as $960 a year in states like Utah, Ohio, and New Hampshire, or at least $1,800 on average in New York, Michigan, and Florida.

Jaguar XK Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,206 -$128 -9.6%
Alaska $1,022 -$312 -23.4%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,274 -$60 -4.5%
Connecticut $1,372 $38 2.8%
Delaware $1,510 $176 13.2%
Florida $1,668 $334 25.0%
Georgia $1,230 -$104 -7.8%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $900 -$434 -32.5%
Kansas $1,268 -$66 -4.9%
Kentucky $1,820 $486 36.4%
Louisiana $1,972 $638 47.8%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,066 -$268 -20.1%
Michigan $2,316 $982 73.6%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,596 $262 19.6%
Missouri $1,182 -$152 -11.4%
Montana $1,432 $98 7.3%
Nebraska $1,052 -$282 -21.1%
Nevada $1,600 $266 19.9%
New Hampshire $958 -$376 -28.2%
New Jersey $1,490 $156 11.7%
New Mexico $1,182 -$152 -11.4%
New York $1,404 $70 5.2%
North Carolina $768 -$566 -42.4%
North Dakota $1,092 -$242 -18.1%
Ohio $920 -$414 -31.0%
Oklahoma $1,370 $36 2.7%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,274 -$60 -4.5%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,126 -$208 -15.6%
Tennessee $1,168 -$166 -12.4%
Texas $1,608 $274 20.5%
Utah $988 -$346 -25.9%
Vermont $912 -$422 -31.6%
Virginia $798 -$536 -40.2%
Washington $1,030 -$304 -22.8%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Jaguar XK insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $470 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Jaguar XK Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XK Portfolio 2-Dr Coupe $1,234 $103
Jaguar XK 2-Dr Coupe $1,234 $103
Jaguar XK Portfolio 2-Dr Convertible $1,328 $111
Jaguar XK 2-Dr Convertible $1,328 $111

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.

Jaguar XK Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Jaguar XK $330 $598 $464 $1,550
2014 Jaguar XK $322 $560 $474 $1,514
2013 Jaguar XK $298 $520 $474 $1,450
2012 Jaguar XK $290 $472 $478 $1,398
2011 Jaguar XK $270 $432 $474 $1,334
2010 Jaguar XK $254 $392 $474 $1,278

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 the Best Jaguar XK Insurance

Getting lower rates on insurance for a Jaguar XK consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief recap of the data presented in the illustrations above.

  • Insureds who want additional liability coverage will pay around $520 every year to raise from a low limit to 250/500 limits
  • You may be able to save approximately $160 per year just by quoting online in advance
  • Increasing physical damage deductibles can save around $475 each year
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $423 a month if they have full coverage

Rates by Driver Age

Jaguar XK Insurance Rates by Driver Age
Driver Age Premium
16 $5,080
20 $3,056
30 $1,380
40 $1,334
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,640
$250 $1,498
$500 $1,334
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,423
100/300 $1,541
250/500 $1,849
100 CSL $1,470
300 CSL $1,731
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XK Insurance Rates for High Risk Drivers
Age Premium
16 $7,224
20 $4,874
30 $2,932
40 $2,880
50 $2,750
60 $2,722

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.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $557
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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