Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year including full coverage. Comprehensive costs around $254 a year, collision costs $392, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,756. Teenage drivers 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:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Jaguar XK insurance rates for additional coverage choices and driver risks.

• The best discount rate is $750
• Raising to $1,000 deductibles will save about $1,132 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,278
• Using low $100 deductibles will increase the cost to $1,560
• Unlucky drivers who are prone to accidents and violations could pay at least $2,756 or more
• Policy cost for full coverage for a teenage driver can be $4,902

View Chart as Image

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

Older drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Jaguar XK insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. 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 least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates 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 the Cheapest Jaguar XK Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a recap of the information covered in the charts and tables above.

• You may be able to save up to $150 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $409 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers that have major violations or accidents pay on average $1,480 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $520 per year to raise from a 30/60 limit to 250/500 limits