Jaguar XK Insurance Rates

The average auto insurance rates for a Jaguar XK are $1,278 annually for full coverage insurance. Comprehensive costs an estimated $254 a year, collision costs $392, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,756. 16-year-old drivers cost the most to insure at $4,902 a year or more.

Average premium for full coverage: $1,278

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Jaguar XK insurance rates for other coverage scenarios.

• The best full coverage rate is $750
• Using higher $1,000 deductibles will save approximately $1,132 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,278
• Buying low $100 deductibles for physical damage coverage will cost $1,560
• High-risk insureds with multiple tickets or accidents could pay up to $2,756 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,902 or more

View Chart as Image

Insurance rates for a Jaguar XK also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $430 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each 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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

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 Buy More Affordable Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the material that was covered above.

• Insureds who want an increased level of liability coverage will pay around $520 annually to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, possibly costing $409 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,480 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $425 each year